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01-01-2011, 01:44 PM
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#1
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2008
Posts: 13,145
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AA rebalanced for 2011
I already did my annual ritual of tallying up all my account totals and set up the transactions in Vanguard to rebalance my portfolio for 2011.
The transactions for reallocating are all within my traditional IRA (no taxable event to keep track of).
Also, at the start of each year, I reimburse myself through my HSA for qualifiying medical expenses the past year. So, I sent a note to my HSA administrator saying "Show me the money!" (I didn't really do that, just want to say "Show me the money!" ).
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
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01-01-2011, 02:04 PM
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#2
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,126
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I'll be rolling my 401k to an IRA in VG when I get back from vacation and will do the rebalancing then (currently equites are at 37.5% - target is 35%).
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Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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01-01-2011, 02:54 PM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2008
Posts: 13,145
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Before rebalancing, I had 56% in equities, but a target percent of 51.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
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01-01-2011, 03:34 PM
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#4
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Our target is 40/60 (equity/fixed income). We are thinking about changing it to 30/70.
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May we live in peace and harmony and be free from all human sufferings.
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01-01-2011, 03:43 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jun 2010
Location: Palma de Mallorca
Posts: 1,419
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I ought to rebalance back out of some of the emerging market funds which I hold, but they still look pretty good and I really can't see US/European large caps turning in 10% growth...
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01-01-2011, 04:36 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,691
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Quote:
Originally Posted by BigNick
I ought to rebalance back out of some of the emerging market funds which I hold, but they still look pretty good and I really can't see US/European large caps turning in 10% growth...
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Thats the problem, a year ago the decision was easy, put all cash into equities. But now the picture is not so clear. All asset classes are up: small caps, mid caps, emerging market, reits, precious metals, etc. I can't see bonds being a good alternative either. So I'll do what I normally do, spread it around and hope for the best.
TJ
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01-01-2011, 05:49 PM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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Quote:
Originally Posted by Spanky
Our target is 40/60 (equity/fixed income). We are thinking about changing it to 30/70.
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I've been at 55% equities 45% FI for most of the past decade. Now I'm 10 years older, and I've realized that it's time to start dropping my equity exposure because I probably don't want to be 60 years old and still have 55% equities.
So this year (2011) I'm starting a gradual shift in my AA - dropping 1% a year in equities as I age. That means I'll still have a 45% equity exposure at 60 years old - which still seems a bit high - but whatever.
Audrey
__________________
Retired since summer 1999.
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01-01-2011, 06:00 PM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,037
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I just did some MF exchanges/sells out of some 0.6% expense ratio funds, leaving me with a 30/57/13 AA, as follows (per M* XRay tool):
US Stock 24%
Foreign Stock 6%
Bonds 57%
Cash 13%
I finally trimmed down my mutual fund roster to a reasonable number, all with much lower expense ratios. Project completed.
I'm going to sit tight on the 13% cash for a while, until I see what looks interesting.
__________________
"All our dreams can come true, if we have the courage to pursue them." - Walt Disney
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01-01-2011, 06:11 PM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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Quote:
Originally Posted by freebird5825
I just did some MF exchanges out of some 0.6% expense ratio funds, leaving me with a 30/57/13 AA, as follows (per M* XRay tool):
US Stock 24%
Foreign Stock 6%
Bonds 57%
Cash 13%
I finally trimmed down my mutual fund roster to a reasonable number, all with much lower expense ratios. Project completed.
I'm going to sit tight on the 13% cash for a while, until I see what looks interesting.
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Congrats! Cleaning up to fewer funds and to lower ER funds can be a lot of work.
Audrey
__________________
Retired since summer 1999.
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