Re: Inflation fears Today Nope it really is all about OIL
well im still refining the buckets but basically we set aside an emergency fund in a "cup" of about 3 months expenses...
bucket 1 is bank accounts,cds,money markets ,ultra short term bond funds
bucket 2 i use fidelity monitors income and preservation mix.basically its bond funds,reit income funds ,income funds that may hold up to 20% equity in their mix
bucket 3 is where the action is.....i split my 3 bucket into 1/3 growth and income funds and 2/3 growth funds basically following fidelity insights growth mix and fidelity monitors growth and income mix with about 5% commodities thrown in....
im sooooo relieved right now knowing bucket 3 is not even going to be looked at for 14 years.......i used to debate with myself the virtues of bothering to run 3 seperate portfolios for 3 seperate time frames as opposed to 1 60/40 mix....well no debating anymore.the comfort level i have thru this drop is just amazing...i havent puckered once yet..in fact im looking to add to bucket 3 as im still cash heavy from selling quite a bit last week to start the bucket system and thankfully sold before the big drop ..just a lucky coincidence ....