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Ugh ! I don't know how someone who spends as much time as I do studying retirement planning can be as stupid as I am.
I have tried to time the market and failed. I promise myself I will never attempt to do that again. I have come up with an asset allocation plan and I am going to stick to it.
Here it is.
401k/403b:
30% Bonds
15% US small cap
20% international
35% US large cap
Roths:
50% Wellington
50% Star
will add REIT and Emerging market as contributions allow
Taxable accounts:
I-Bonds for first 4 years of retirement
various stocks
I came up with this AA over a period of two years and I have finally implemented it. Now I am going to ignore the market and not check my investments as I am sure the market will tank.
-helen
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