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What is your investment strategy for 2013 ?
Old 01-04-2013, 04:32 PM   #1
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What is your investment strategy for 2013 ?

For me, same as 2012, pretty much all index funds with a few stocks here and there. I have no idea where a good place is to park cash !

What say you ?
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Old 01-04-2013, 04:38 PM   #2
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Favoring munis and foreign equities this year.
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Old 01-04-2013, 04:44 PM   #3
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Same as prior years. Likewise the cash zero return thing is getting a little old. However I look at total bond index funds and the SAC interest rate isn't much beter than the SV funds available.
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Old 01-04-2013, 05:06 PM   #4
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I didn't change my asset allocation, so I rebalanced to that AA which meant having the courage to buy a lot of Total Bond Market Index again. That was hard to do, but it was hard to do in past years as well. Nobody has said anything nice at all about bonds during my retirement so far (retired in 2009).

Naturally I am sticking with my financial plan in other respects as well. Mostly index funds, plus Wellesley. I just have 5.5% cash, and it is earning little to nothing but then that is just a small part of my portfolio.
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Old 01-04-2013, 05:10 PM   #5
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Still heavy into equities (approx 80%) with a value tilt. In a normal environment (i.e.more market-based, less govt intervention to tip the scales) I'd want more bonds, but I'm still shying away from them. The short term ones have yields barely better than CDs (not worth the credit risk for the difference, IMO), and the long term ones (incl govt) seem fraught with downside risk that outweighs their limited yield in the present (artificial) low-rate environment.

Other than that, staying the course.
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Old 01-04-2013, 05:17 PM   #6
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I'm continuing with my strategy of mostly index funds in my retirement investments.

I already spent all my cash last year on buying collectibles, and will use excess disposable income towards paying those off, so no need to worry about parking cash.
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Old 01-04-2013, 05:50 PM   #7
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Still 100% individual equities, all dividend growth stocks (6 years retired, 20th year of the same basic strategy).
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Old 01-04-2013, 07:11 PM   #8
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Continuing on auto pilot mostly, with target retirement funds, Wellesley and Wellington to meet the target AA.
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Old 01-04-2013, 07:13 PM   #9
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Quote:
Originally Posted by Alan View Post
Continuing on auto pilot mostly, with target retirement funds, Wellesley and Wellington to meet the target AA.
Me and Mr. Bean are tight...
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Old 01-04-2013, 07:18 PM   #10
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Same as 2012
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Old 01-04-2013, 07:20 PM   #11
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Maintaining a balanced asset allocation, paying down debt on income property, keeping a cash reserve for the first several years of ER, may sell Au if it rises to $1800.
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Old 01-04-2013, 07:49 PM   #12
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Still maintaining the same approach of a wide 10% band in equity allocation before doing anything. The current allocation is 45 -55% equities and it has been hovering right at 55% for quite a long time now. Keeps me interested in what's going on but unless it clearly breaks outside the band I do nothing. The last time was in 2007. Back to sleep now...
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Old 01-04-2013, 07:55 PM   #13
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Sticking with my top-level AA but avoiding Treasuries and Muni-Debt.

Dabbling in high-yield preferreds and other 5%+ dividends, but that's at the margins and mostly just to humor myself.

So...pretty boring but unlikely to go nuclear on me...
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Old 01-04-2013, 08:02 PM   #14
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I'm standing pat with my portfolio around 60/40, but looking for somewhere to park some cash reserves that keep growing without me having the guts to park it somewhere.
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Old 01-04-2013, 09:16 PM   #15
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Old 01-04-2013, 09:23 PM   #16
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still 100% stocks. Occasionally pay down the mortgage extra. I can't bear putting money in cash that earns nothing or in bonds that have a decent probability of very low return the next few years or decade.
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Old 01-04-2013, 10:06 PM   #17
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Hold.

Some Roth conversion, so I wouldn't mind a down market for that.
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Old 01-05-2013, 06:43 AM   #18
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Same as 2012. Nearly 100% CDs or munis or equivalent, and a little bit of deferred annuities. Still no time for equities, stocks or any other investment product, but I will be able to study this more when I finally FIRE.
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Old 01-05-2013, 10:55 AM   #19
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I'm still 100% invested in equities. I figure that I can just keep working a little longer if the stock market tanks like it did in 2008. After last decade's sub-par return on equities, I'm betting that this decade will be much better. Plus, the bond yields are so low right now that it seems like there is too much down side risk to fixed income investments without enough offsetting upside potential.

I'm invested in five or so low-cost domestic and international mutual funds in the 401k plan and 529 plans.

I'm invested in over 50 individual stocks in the taxable accounts. The stocks are in a variety of industries. I try to buy stock in good companies that are in an industry that is currently out a favor, but that I perceive to still be viable on a long-term basis. I harvest some of the tax losses every year to offset some capital gain income flowing to me on some K-1's, and contribute some highly appreciated stock to charity to avoid having to pay capital gain taxes. I plan to hold almost all of the stock investments until I retire.
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Old 01-05-2013, 01:31 PM   #20
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being we are all income funds with emphisis on emerging market and international bonds we will be watching for any significant rise in those rates.

if we have a drop here in our equity markets i will commit some dogh to a growth and income model becides the bond model.
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