r/Bogleheads • u/Expert_Ad5912 • 1d ago

Thankful for this group

Al.oat one year ago to the day I took an active interest in my retirement savings. I always had a hand in my own but as a state employee who will have a pension, my accounts are smaller than my wife's who works in private sector. After reading about the BH method and scouring these boards, I moved us into holdings aligned with the 3 fund philosophy. Until then, we had no bonds or international. Furthermore, my wife had never rebalanced and was still invested as if she was 25 while now she's 50. Talking to my performance chasing friends who are down 15-20% since February, I am down just 8%, 5% if we count new contributions. I feel confident that things will be OK if I stay the course and rebalance if it drifta outside of my tolerance bands (20%).. anyways, I am grateful for what I've learned here. Thanks to all who post meaningful content and have answered my inquiries.

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u/zendaddy76 1d ago

Well done. I’m down 10% but have slightly larger risk tolerance (80/20) bc I have a pension at age 63 that will comprise 50% of my annual spend at that time.

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u/wadesh 1d ago

Fellow pension holder here. 80/20 allocation, YTD down 8.87% , 12 month flat. I’m mentally prepared for 30-40% down depending on how all this plays out.