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Old 01-05-2013, 01:39 PM   #21
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Same as 2012
Same here......look for opportunities to rebalance as I have done the last few years.
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Old 01-05-2013, 04:35 PM   #22
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Index, index, index.

Already re-balanced for 2013 and ready for 2014.
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Old 01-05-2013, 04:41 PM   #23
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Sticking with my chicken feathers AA at 35/65.

I recently turned off my monthly DCA to short and intermediate term TE bond funds. I achieved the duration diversification I wanted for that part of my portfolio at the end of 2012.

I may buy some more BHP if I get "the hormones" thing going. Mr B is watching the stock daily for me to let me know if there is a significant dip below my current average cost basis.
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Old 01-05-2013, 08:58 PM   #24
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Increasing exposure to international. Reducing exposure to high yield corp bond fund.
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Old 01-05-2013, 10:03 PM   #25
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Will wait to make any equity purchases until after market corrects/reacts to debt ceiling fiasco. In the meantime will take some profits and sit on a little bit more cash than normal while waiting for a blue light special to occur.
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Old 01-06-2013, 10:35 PM   #26
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Investment

Hope to reduce cash (now close to 20%).
I plan to continue increasing international stock allocation, including small value, dividend, and China; move more cash or intermediate bond or TIP fund into floating rate, convertable, and preferred stock (discounted CEFs for the later two). Also move more taxable portfolio cash into the Permanent Portfolio fund. Continue to decrease duration in bond allocation.
Finally, invest some cash into Fidelity Gold fund to bring the balance back up.

Otherwise, keep the AA; these are small changes.
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Old 01-07-2013, 09:33 AM   #27
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Originally Posted by scrabbler1 View Post
Same here......look for opportunities to rebalance as I have done the last few years.
My Jan 2013 withdrawal pretty much balanced my AA, so unless 2013 is a very volatile year (which it could be - one never knows) I'll be sitting on my hands for the rest of the year.
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Old 01-07-2013, 08:45 PM   #28
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Still 100% equities, mostly index mutual funds but venturing a little into energy stocks, something I know a little bit about. All in IRA.

After 4Q dividends deposited into mmf, bought a little EEQ (a version of Enbridge pipelines) for the dividend and the future prospects. I like it so much I want to buy more but I can't find anything I want to liquidate to purchase it so waiting for more dividends to appear. Thought about liquidating my little Berkshire Hathaway, but can't persuade myself that it is a good idea.

No other changes in the works. Very happy with AA as-is. On autopilot. (Damn, it took me a long time to figure this out. At family Christmas get-together gave our kids a short talk on Roth IRAs and how to start (Wellesley), then set up daughter with a Vanguard Roth in VWINX. Son will get his after he has a job.)

So why not buy some with my paycheck, outside of IRA? Paying off debt first. Milestone: in Dec, payed off our share of the kids' college loans. House is next.
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Old 01-09-2013, 07:23 AM   #29
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Still 100% equities ... At family Christmas get-together gave our kids a short talk on Roth IRAs and how to start (Wellesley), then set up daughter with a Vanguard Roth in VWINX. Son will get his after he has a job.)
You are 100% in equities but advise kids to invest in Wellesley Income?
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Old 01-09-2013, 07:52 AM   #30
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Recently did my annual AA review and as other's have mentioned had to swallow real hard to add to my bond holdings. Stayed short term on duration and mostly muni's with some international bonds thrown in.

On the equities side upped my international stock allocation as a % of total equities as i think that opportunities abroad may out strip the USA.

Sitting on some additional cash to buy some beat up equities when the market drops because of jitters over the debt ceiling. Once all of the rebalancing is completed AA will be at 65% equities, 25% bonds, 5% other and 5% cash.
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Old 01-09-2013, 07:56 AM   #31
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Not doing anything different here except raising my 401k and Roth IRA contributions. I'll look once a quarter to see if anything needs rebalanced but otherwise I am keeping my hands off the allocations.
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Old 01-09-2013, 10:18 AM   #32
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Recently did my annual AA review and as other's have mentioned had to swallow real hard to add to my bond holdings. Stayed short term on duration and mostly muni's with some international bonds thrown in.
Warnings against bond holdings have been in place for a few years because of the eventual rise in interest rate. If people had abandoned bond holdings or shifted to short-term bonds, they would have missed the nice returns. However, now may be the time?
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Old 01-09-2013, 10:41 AM   #33
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Same as 2012: Mostly Total Stock Market Funds, with some Total Bond Market Funds mixed in, and focus on cutting expenses to save more. We're trying to invest more in post-tax funds to prepare for a potential home purchase.
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Old 01-09-2013, 02:27 PM   #34
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I'll continue to shift from individual stocks into index funds, in anticipation of retiring in about a year. I can't bring myself to buy bond funds at this time, but I'll hold the individual bonds I have.
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Old 01-09-2013, 10:01 PM   #35
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Had to make a rebalance plan recently as a small windfall made me heavy on bonds. Im also starting a HSA at work and funding it to the max.

Re-balance plan:

-Sell $10000 worth of my bond fund in my 401(k) & Buy VINIX (stocks) with proceeds... New 401K contributions will be 90% VINIX and 10% bonds.

-Lower my taxable VG1 account to $200 monthly contributions... VG contributions will go to International index. Begin buying I-Bonds (800 per month).

-Buy 5500 REITS in Roth IRA 1-1-13.


Once this plan is in progress, my AA will be around 70/30 and new contributions will add in at 64/36.

Results:
-International will be only 20% of stocks and will continue to decrease. Not optimal, but I can always rebalance.
-Roth IRA will be maxed 2013. Awesome.
-401(k) will be maxed 2013. Awesome.
-I-Bonds will be 96% maxed 2013. Awesome enough.


Ill be buying a used car around the end of May, and need to save about $5000 for that as well.

Other than that, staying the course.
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