tominboise
Recycles dryer sheets
So I did some rudimentary analytics on some (about 2/3) of our portfolio. We are currently sitting at:
65% in Stock funds
14% in individual stocks
13% in Bond funds
8% in MMF
These are all held at either Vanguard or Fidelity. Since I am sitting at 79% in stock, I think I would like to rebalance closer to 65% and 27% bonds. I should add that 40% of the stock funds are actually "life cycle funds" with target dates of 2020 (40%), 2025 (16%) and 2030 (44%), so they have some % of bond mix inherent in them, (so my AA is not entirely accurate).
From the face of it, easiest to do would be to sell the entire portfolio of individual securities and reinvest in bond funds. I am just not sure that is the smartest approach, as we have made good gains on all the stocks.
65% in Stock funds
14% in individual stocks
13% in Bond funds
8% in MMF
These are all held at either Vanguard or Fidelity. Since I am sitting at 79% in stock, I think I would like to rebalance closer to 65% and 27% bonds. I should add that 40% of the stock funds are actually "life cycle funds" with target dates of 2020 (40%), 2025 (16%) and 2030 (44%), so they have some % of bond mix inherent in them, (so my AA is not entirely accurate).
From the face of it, easiest to do would be to sell the entire portfolio of individual securities and reinvest in bond funds. I am just not sure that is the smartest approach, as we have made good gains on all the stocks.