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Old 08-09-2011, 11:56 AM   #21
 
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I rebalanced last week but held most of the money back before buying anything. I stood pat yesterday but today I am buying more of the stock funds that I own to get back to my AA of 45/55.
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Old 08-09-2011, 02:30 PM   #22
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My equity portion was a little high at the end of July, so I rebalanced. Haven't done anything since and will wait till the rebalancing bands are reached. This time, I hope I have the courage to rebalance when equities are low.

In 2008, I chickened out and rebalanced over a 12 month period. It worked to keep my nerves calm.
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Old 08-09-2011, 03:27 PM   #23
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Surprise.....Surprise. Dow ends up 430 points.
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Old 08-09-2011, 03:32 PM   #24
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Jack Bogle says, "Don't do something just stand there."
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Old 08-09-2011, 03:39 PM   #25
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Jack Bogle says, "Don't do something just stand there."
That was unclemick...
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Old 08-09-2011, 03:44 PM   #26
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Got in too late for yesterday and too late for the droop in the morning today,but still made money buying emerging markets at $40.89 and having it close at $42.27. Now if we had bought more than a taste....
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Old 08-09-2011, 04:14 PM   #27
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I moved 7% of my portfolio from bonds to equities at COB yesterday (about 70% US and 30% international). First time I market timed.
+1, but the 7% transfer brought be back to 60/40 from 53/47.

I guess in there is a nuance of a difference between rebalancing and market timing. My AA was more out of whack than it usually is and I did believe that the market overreacted so while my motivation was principally rebalancing I'll admit to a smidgen of market timing.
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Old 08-09-2011, 04:19 PM   #28
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Took advantage of the low prices and did some buying.
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Old 08-09-2011, 04:56 PM   #29
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+1, but the 7% transfer brought be back to 60/40 from 53/47.

I guess in there is a nuance of a difference between rebalancing and market timing. My AA was more out of whack than it usually is and I did believe that the market overreacted so while my motivation was principally rebalancing I'll admit to a smidgen of market timing.
Mine took me to 66/44 when my target is 60/40 so I am a dirty old market timer in this case. When we get back up to 12K+ I will start moving back down to 60/40. If we plummet way down further I will have to evaluate whether I want to go to 70/30 -- I was there until the spring highs.
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Old 08-09-2011, 05:00 PM   #30
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Mine took me to 66/44...
Wow, that's one heck of a return! No wonder you're going to start day trading...
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Old 08-09-2011, 05:11 PM   #31
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Mine took me to 66/44 when my target is 60/40 so I am a dirty old market timer in this case. When we get back up to 12K+ I will start moving back down to 60/40. If we plummet way down further I will have to evaluate whether I want to go to 70/30 -- I was there until the spring highs.
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Wow, that's one heck of a return! No wonder you're going to start day trading...
I guess I shouldn't be gambling like this if I am so challenged by numbers. My 7% exchange took me from ~59/41 to 66/34, not 66/44.
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Old 08-09-2011, 05:20 PM   #32
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I guess I shouldn't be gambling like this if I am so challenged by numbers. My 7% exchange took me from ~59/41 to 66/34, not 66/44.
Don't feel bad. Our politicians use that kind of math all the time and they still have not come to the conclusion it does not work.
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Old 08-09-2011, 07:55 PM   #33
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I am thinking of buying a $20k municipal bond in the next couple of weeks. Is anyone else buying munis ?
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Old 08-09-2011, 08:21 PM   #34
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I am thinking of buying a $20k municipal bond in the next couple of weeks. Is anyone else buying munis ?
Not now -- I don't want bonds when interest rates are low. But I did buy some Hawaii municipal bonds back in the day, since the interest was also exempt from Hawaii income tax. Pretty good deal, I thought, at the time.
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Old 08-09-2011, 09:24 PM   #35
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Mine took me to 66/44...
Glad you're giving it 110%!
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Old 08-09-2011, 09:52 PM   #36
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Not out of balance (enough) yet on my AA. Yesterday got pretty close. Today's recovery took rebalancing now back off the table.

I will get a chance later this year if we keep going down. Otherwise I will have missed a short window where equities were seriously on sale.

All my investments are in mutual funds so I am dependent on what happens at the end of the trading day, not during market hours.

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Old 08-09-2011, 09:52 PM   #37
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I bought some XIU.TO and XDV.TO after the market (TSX) dropped 1,200 points. I chickened out at the bottom. Oh, well, maybe someday (hopefully soon) it will be a good decision.
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Old 08-09-2011, 09:54 PM   #38
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I am thinking of buying a $20k municipal bond in the next couple of weeks. Is anyone else buying munis ?
Well - I have been holding on to the ones I already own.

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Old 08-09-2011, 11:20 PM   #39
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Is easy... I use Quicken software to track my portfolio, and updated my computer to Mac OS 10.7.

What downturn?

(tick... tick... tick...)
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Old 08-09-2011, 11:44 PM   #40
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Is easy... I use Quicken software to track my portfolio, and updated my computer to Mac OS 10.7.

What downturn?

(tick... tick... tick...)
How much would you be up if you used MS software?
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