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Allocation/Investment Selection Help Needed
Old 08-16-2005, 02:40 PM   #1
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Allocation/Investment Selection Help Needed

I need a good sounding board and to this end, have learned there is no better place to get objective financial advice than thru the membership here.* My situation involves planning for RE in another 3 years at 59.5, although job situation could force me to go earlier.* I am in process of restructuring my portfolio, so that I can hopefully go into the buy/hold mode without loosing sleep at night or constantly watching the markets.* My prior portfolio has left me feeling like humpty dumpty, so some adjustments are badly needed.*

I am considering a new allocation as follows:

large cap* -* 11%
mid cap - 6%
small cap - 3%
international - 10%
reit - 7%
emerging market - 2%
high yield/pref.* - 5%
fixed income (tips, short-interm bonds, CD laddar, GMNA CMOs) - 51%
cash equiv - 5%

Would like to structure as more of a value and core oriented approach versus a growth play and would like low volatility (< 7%).* In today's $s, I want to be able to generate $60K per year in income on port of ~ $1.5M, without eating principal.* I am looking at trying a blended best of the best approach with DFA, Vanguard and ETFs for equities including both index and actively managed, while keeping costs down.

Would appreciate input on how the allocation/plan looks and what funds and ETFs do you think should be in a portfolio that combines DFA, Vanguard and ETFs?* Should I consider any other asset classes? Also, I am sitting on prettly large cash position and am wondering whether to DVA into equities or try to catch a down market over the next 60 days and pluge all at once?* Other suggestions



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Re: Allocation/Investment Selection Help Needed
Old 08-16-2005, 03:11 PM   #2
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Re: Allocation/Investment Selection Help Needed

Originally Posted by DFW_M5
I need a good sounding board and to this end, have learned there is no better place to get objective financial advice than thru the membership here.*
Actually I think there is a better place, because many of us visit there. While you'll still get at least three pages of analysis, opinion, & advice here, for real depth of field you should post at RADDR's Market Theory & Investment Strategy board.

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