马虎活得糊糊涂涂，糊涂做事马马虎虎
难得糊涂。望能帮助大家解答投资理财的问题。使大家在投资理财的过程中， 不马马虎虎以及不糊糊涂涂被人忽悠, 尽快实现财务自由。
General guideline of asset allocation based on ages. This is a very general guideline, you can adjust the percentage based on your risk appetite.
· Age 50s: 60% equity / 40% bond
· Age 60s: 50% equity / 50% bond
or you can use an age-based calculation:
· 120 – (your age) = equity %
For the equity part, I would allocate 85% to total stock market index fund (VTI) or S&P 500 index fund (SPY) and 15% to international equity index fund (VXUS). If you don't have the choice of a total stock market index fund or S&P 500 index fund, you can use 70% large cap / 20% mid cap / 10% small cap funds allocation to make up for that.
People will ask that there is no allocation of Nasdaq companies in my allocation. Actually, 25% of S&P 500 index are high technology companies. As of Junuary 1st, 2022, high technology companies had a weighting of 37% in S&P 500 Index.
For the bond part, I have another post to explain why you need to diversify your investment with bond, especially, near or at or after your retirement.
http://blog.wenxuecity.com/myblog/72332/201707/3070.html
If you don't want to manage these allocations yourself, you can use target-date funds if you have this choice in your retirement account or your company's 401(k) plan.
