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Old 01-02-2012, 11:58 AM   #21
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This is going to be the first year we pull money from Roth's to keep the tax bite lower. Going forward we have 64% in stocks (currently no international). Life in the fast lane? That lane was pretty poor last year but hope springs eternal.
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Old 01-02-2012, 02:47 PM   #22
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Honestly, I haven't intentionally touched my AA this year. There have been some ups and downs and, completely by chance, the AA hasn't changed enough to worry about (other than that the total isn't as high as I would have liked, heh, heh.)

In '10, I intentionally raised my stock portion as my AA is still well below 50%. But last year ('11) I couldn't seem to get my mind around it. Too many other things crowding out the important with the urgent. You know it's a bad year when Koolau "forgets" to make a Roth conversion - actually, I "chose" to put that decision off until this year. Yeah, that's it.

I'm starting to feel a bit more in control this year, so I'm going to take another look at the whole thing and see if there are some tweeks that need to be made.
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Old 01-02-2012, 04:37 PM   #23
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I am not yet retired but am preparing to do so this year. These preparations included:

1. Moving assets about to lower current and future taxes. I sold total market index fund in my tax advantaged accounts and bought bond funds. In my personal accounts, I sold an equal amount in bond funds and bought the total market index.

2. My AA is still not where I want it, so I started a dollar cost average that will get it there by the end of this year. My AA is about 42/68 and I am looking to be at 60/40 by the end of the year.
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Old 01-03-2012, 09:50 AM   #24
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It's kind of nice that last year's rebalancing moved a bunch of money to bonds, which did better than stocks.

The 3-year returns sure look misleadingly good these days, since we are about three years from the recent low point.

sp.jpg
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Old 01-03-2012, 10:38 AM   #25
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Quote:
Originally Posted by TromboneAl View Post
It's kind of nice that last year's rebalancing moved a bunch of money to bonds, which did better than stocks.

The 3-year returns sure look misleadingly good these days, since we are about three years from the recent low point.
Yet this recovery is not all that unusual given the market drop that came before. Here is a chart comparing our recovery to previous market recoveries. The blue line is the current recovery path which is now about 29 months old:



I'm taking bets on which path it follows going forward. Am rooting for the 1980's (red) path.
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