An Asset Allocation Checkpoint in Our Exciting FI Journey

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. LM says:

    Nice explanation of how you go about your asset allocation. I’m much farther out from FI than you are so I’m sticking with a 100% stock allocation. In a future post, I’d like to hear which investments you use for stocks and bonds. I think it might be helpful to compare notes 🙂

    • Thanks. Sticking with a 100% stock allocation makes perfect sense if your early retirement date is far out. We realized that we don’t want to spend the time searching and reviewing individual stocks so we invest mostly in index funds. We hold Vanguard funds. As of now, in our 401(k)s we own: VITPX (Total Stock), VPMAX (PRIMECAP), VSCIX (Small Cap), VTPSX (Total International) and VBMPX (Total bond). I’m looking to add VTIFX (Total International Bond) into the mix, to be discussed with Mrs. Enchumbao. 🙂 We have more or less the same funds in our brokerage account. We like to keep it to no more than 5-6 funds, that way is easily manageable and we have more options for rebalancing and can take advantage of opportunities.

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