39. Malkiel: the 50s
Account$99,029
Return−0.97%
vs S&P 500+3.12%
Worst drop−2.40%
What it does
The variant from A Random Walk Down Wall Street for someone in their 50s with moderate risk: 55% stocks, 12.5% real estate, 27.5% bonds, 5% cash. The US-versus-world split of the stocks is our assumption.
Account value
Malkiel: the 50sS&P 500 buy & hold
Next move
No changes planned for the next session.
Holdings now
| Ticker | Qty | Price | Value | Share |
|---|---|---|---|---|
| AGG | 286 | $96.55 | $27,613 | 27.88% |
| BIL | 54 | $91.46 | $4,939 | 4.99% |
| EFA | 173 | $101.89 | $17,627 | 17.80% |
| SPY | 48 | $735.29 | $35,294 | 35.64% |
| VNQ | 136 | $95.73 | $13,019 | 13.15% |
| Cash | $537 | 0.54% |
Trade log
| Date | Action | Ticker | Qty | Price | Value | Fee |
|---|---|---|---|---|---|---|
| 2026-10-22 | Buy | AGG | 286 | $95.69 | $27,367 | $13.68 |
| 2026-10-22 | Buy | EFA | 173 | $103.26 | $17,864 | $8.93 |
| 2026-10-22 | Buy | VNQ | 136 | $91.54 | $12,449 | $6.22 |
| 2026-10-22 | Buy | BIL | 54 | $91.61 | $4,947 | $2.47 |
| 2026-10-22 | Buy | SPY | 48 | $766.37 | $36,786 | $18.39 |