Enchumbao’s 2018 Target Asset Allocation: How We’re Moving Full Steam Ahead

Mr. Enchumbao

I work for a large investment management company helping people save for traditional retirement. During my spare time, I help others save for financial independence and early retirement by writing for Enchumbao. My journey to FI began in 2012. I was in a lot of debt back then, but I turned things around and became debt free a few years later. My wife and I reached financial independence in 2017 and are preparing to retire by 2020.

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2 Responses

  1. It’s always interesting to see what other people are doing with their investments! We just checked our allocation the other day and we’re coming in at around 20% bonds and 80% stocks. I think we’re happy with that for now.

    I keep thinking about picking up a place to rent or flip, but I’m enjoying doing all the fun stuff too much to try making more money. Stocks and bonds are much easier to maintain 🙂

    • 80/20 sounds like a good allocation for your situation. I think that after we retire and access our situation we’ll get closer to an 80/20 from a 75/25 (not including house funds).
      I’ve been managing the property for so long that I want to know how it feels to not have the responsibility. RE is not 100% passive unless you hire a property manager. It hasn’t been that bad for us lately but every now and then you get the leak from hell that no matter how much you fix it, keeps coming back!
      I’d like to try RE crowdfunding sites in the future but will wait until there’s a shakeout so that we can invest with solid companies. That’s at least 2-3 years down the line though. Thanks for stopping by!

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