My retirement portfolio...11 months from drawdown

GazzaBloom

Bostonerimus1 said:

GazzaBloom said:

Exodi said:

You're obviously aware but it's a very high US (and techn weighting) - nearly 82% of your overall portfolio.

Of course the US has performed extremely well for a long time (and long may it continue) but having all of your eggs in one basket could expose you to some pretty violent swings (but then, I think we'd all be suffering if Apple, Microsoft, Google, Amazon, etc dropped)!

Just a point of note that 40% of the S&P500 companies revenues are generated outside the US so my portfolio is more internationally diversified than your breakdown suggests. 

but you still have a high US bias and exchange rate fluctuations would worry me.

We all worry about things but fx variance isn't something I worry about. I have plenty invested in GBP, my home, my cash and living in the UK.

The world has a high US bias, or a bias towards extremely successful US domiciled companies that operate globally. 

Bostonerimus1

GazzaBloom said:

Bostonerimus1 said:

GazzaBloom said:

Exodi said:

You're obviously aware but it's a very high US (and techn weighting) - nearly 82% of your overall portfolio.

Of course the US has performed extremely well for a long time (and long may it continue) but having all of your eggs in one basket could expose you to some pretty violent swings (but then, I think we'd all be suffering if Apple, Microsoft, Google, Amazon, etc dropped)!

Just a point of note that 40% of the S&P500 companies revenues are generated outside the US so my portfolio is more internationally diversified than your breakdown suggests. 

but you still have a high US bias and exchange rate fluctuations would worry me.

We all worry about things but fx variance isn't something I worry about. I have plenty invested in GBP, my home, my cash and living in the UK.

The world has a high US bias, or a bias towards extremely successful US domiciled companies that operate globally. 

IMO there's quite a few things that you aren't worrying about, but I think that you will probably be just fine. However, as a general retirement planning principle, it's good to be a pessimist and worry about things and put things in place to mitigate sources of risk.