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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 06:40 AM   #21
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Re: Balancing: Trim some off some equity, and put it into... what?

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Me too, except it's 7%+ , tic toc, etc.

JG
Not now its not.* *Come back from fantasy land.

The LBA Bond index for the year of 05' is ~ 2.3% so far (that's real return, not annualized).
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 07:22 AM   #22
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Re: Balancing: Trim some off some equity, and put it into... what?

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Originally Posted by azanon
Not now its not.* *Come back from fantasy land.* *

The LBA Bond index for the year of 05' is ~ 2.3% so far (that's real return, not annualized).
I'm still getting 7%+ on my original investment, although NAVS are
down obviously. Of course that makes the yield even higher.
I don't care as long as the checks keep coming.

JG
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 08:28 AM   #23
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Re: Balancing: Trim some off some equity, and put it into... what?

Ahh - i just look at various investment choices holistically.* If principle change + interest = 4% annualized, that 4% in my book.* As you know, i still work, so i'm evaluating based on overall investment performance.

For max performance, bonds just isnt going to be it right now.* *Now if the interest rates get back up to the 1970s levels and are falling to boot, sure i'm going to be holding a lot of bonds.

Looking at the prime interest rate and seeing how its changed recently isnt exactly rocket science.
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 08:30 AM   #24
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Re: Balancing: Trim some off some equity, and put it into... what?

??<I'm stuck. *Suggestions>

First off, I'd tuck that cash in a MM (3.18%-getting better!) or under the mattress until the market shakes off its current slump. I continue to believe the next few weeks will give us a nice entry point.
A couple of very good all weather funds that have a record to brag about and will provide income are- - - FBALX & FSICX.
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 08:33 AM   #25
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Re: Balancing: Trim some off some equity, and put it into... what?

My best performer has been my utility sector fund JPatrick, (ticker BULIX).

I think there's plenty of uproom still too.
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 08-24-2005, 09:24 AM   #26
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Re: Balancing: Trim some off some equity, and put it into... what?

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Originally Posted by azanon
My best performer has been my utility sector fund JPatrick, (ticker BULIX).

I think there's plenty of uproom still too.
Utilities have had (and are still having) a fine run.* Ordinarily rising rates would be a problem, but I think the "energy bill" has some provisions that will keep many of them alive.* I hold CIN and use their great DRIP every month.* They are going to be eaten by DUK in the future which is all the better.
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Re: Balancing: Trim some off some equity, and put it into... what?
Old 09-19-2005, 01:35 PM   #27
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Re: Balancing: Trim some off some equity, and put it into... what?

I don't want to be a bulletin board deadbeat, by asking a question and never getting back on it...

UPDATE -

Thanks to all that responded*

I wasn't clear enough in my original post, some may not have realized that I'm ER'd.* Into the 4th year now, no safety net till SS starts, which is years (and years) away.

I had not rebalanced before.* I had been letting my equity side grow to let it get up to my desired 60/40 allocation.

It had exceeded that, and with living expenses coming out of the after-tax fixed side, the equity percentage would have grown even if the equity market plateau'd.* I had been suffering from analysis paralysis of where to put it, so I finally went ahead and rebalanced on the recent market peak, swept it into a MM to wait out the next decision of where to put it.
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