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I just used the cash alternative as a comparison, but my preference would be to use shares or commercial property (at least partly) for a retirement income stream due to this inflation issue (not residential property, or if you do use residential property, it should be a smaller % of your total...

You're wrong there Bill, I did some calculations at the very beginning and asked for others to comment, but didn't get much response...(I even asked a couple of bears on GHPC to comment!) Perhaps you missed it, if you re-read the thread you'll find that I got a similar sort of result. And...

Great, an update would be very interesting to read! Yep, someone clearly agrees with me at last - take the leverage out of residential property (eg. by reducing all loans against these properties to zero or a minimal amount/LVR)...and you're left with a DUD! Yes I agree, although, I...

15 Steps to the Most Effective Strategic Use of Residential Property If you're still following and interested, here are my general thoughts on the most effective strategic use of residential property as an investment vehicle/asset class for the residential property investor. It's nothing...

Just wanted to add to this previous statement I made, done in blue:

Yes, I was editing my prior post as you were typing this. I like your mix and it's probably something I may consider too (direct or indirect comm., not sure yet, depends on how successful the resi. part is). Take the leverage out of commercial property and you've got a very high yielding...

Neither am I, just pondering it all for now...I don't see a problem with say 90% or even 95% in residential property in the early days. There's no set formula for asset allocation anyway, a lot of variables involved of course. I wouldn't mind un-leveraged direct commercial property in...

Quick reply to this bit for now: no, I'll definitely have property there, as well as a few others.

I'm really milking this thread for all it's worth aren't I! :D

Thanks for that, this asset allocation thing really put's a poster into perspective!

Hi Marc, Broadly speaking, yes there's only a few options, but here's a more specific list of investment classes, vehicles, structures or ''avenues'' (eg. you can invest in shares or commercial property via a number of different ways) I started recently on GHPC...

Hi there, I'd love to hear some more people's current asset allocations...especially those nearing retirement, anyone else want to share? Thanks!

Thanks handyandy, very interesting stuff. And mine is very similar to alexlee at present.

I may as well throw this one in the pot too... Here are my thoughts on this subject 2 years ago when I critiqued Brenda Irwin's portfolio...not sure if you read that keithj? It didn't go down very well at the time :D :eek:, but gives another illustration of the points being made in this...

Yes, of course. I'm not saying anything new here. I've really just looked at it from a different perspective, which seems to have confused people! Very impressive. Fascinating to see how different people's asset allocations are here. I recall that you are still relatively young, but...

Yes, that's right, I'm also in the growth stage. A few more working years ahead of me yet, just doing a bit of forward planning now...:D It's really just about how to best use different asset classes at different stages of your investing life.

There isn't necessarily a 'problem', it depends what the gross yield on your property portfolio is as well as the net yield after costs and interest...

Thanks Y-man. My rough figure at retirement might be close to 60% for property & shares (ie. growth assets) combined, so maybe 30% each.

Now here's an example of what I'm talking about in an interesting but un-loved thread, and it is essentially about asset allocation: http://www.somersoft.com/forums/showthread.php?t=23692 From this thread: Now I don't know much about Y-man, apart from his great posts, but it's...

Perhaps you missed all the posts by people in similar situations...? If you can't think how to do this now, how is $2MM equity going to change things? There's no real 'secrets' to how you do this anyway, just planning and foresight. I agree, and in the same way, a residential property...