In-control
Recycles dryer sheets
- Joined
- Mar 9, 2007
- Messages
- 319
Hi All,
Lazy Man(Person) model of active??
I am at a cross roads and need some other opinions. I have been able to FIRE for a while now. Just waiting for the kids to finish school to pull the trigger. I consolidated 50% of my assets in to the Wellesley Adm fund, a conservative, actively managed fund two years ago and have been happy with it.
The other 50% is in VG Health care(7%), International(8%), High Yield Corp. Bonds(8%) and Fidelity Spartan Indexed Tot. Stk(12%) and Bond Funds(15%)
Over all I am @ 40% stk/50% Bnd and 10% cash allocation and pretty satisfied. I know really want to reduce volatility and risk.
The Lazy Mans(Persons) method would be to move the majority of my assets into the VG LifeStyles fund, Conservative. It is all index funds with an allocation of Bnds(48%)/US Stk(28%)/Inter Stk(12%)/Inter Bnd(12%). That will keep me in my allocation range and increase my diversity.
The benefit of doing this is to increase diversity/reduce volatility/costs/maintenance. The disadvantage based on past performance - loss of ~ 1.5%/time period.
What do you think
Lazy Man(Person) model of active??
I am at a cross roads and need some other opinions. I have been able to FIRE for a while now. Just waiting for the kids to finish school to pull the trigger. I consolidated 50% of my assets in to the Wellesley Adm fund, a conservative, actively managed fund two years ago and have been happy with it.
The other 50% is in VG Health care(7%), International(8%), High Yield Corp. Bonds(8%) and Fidelity Spartan Indexed Tot. Stk(12%) and Bond Funds(15%)
Over all I am @ 40% stk/50% Bnd and 10% cash allocation and pretty satisfied. I know really want to reduce volatility and risk.
The Lazy Mans(Persons) method would be to move the majority of my assets into the VG LifeStyles fund, Conservative. It is all index funds with an allocation of Bnds(48%)/US Stk(28%)/Inter Stk(12%)/Inter Bnd(12%). That will keep me in my allocation range and increase my diversity.
The benefit of doing this is to increase diversity/reduce volatility/costs/maintenance. The disadvantage based on past performance - loss of ~ 1.5%/time period.
What do you think