I am coming up on my rebalance date soon -- once a year whether I need to or not. I do have some questions.
I have been way over in equities for almost forever. I am currently 90+% in my true, personal money. I am saying that now that I am on the short path to retirement and pretty much FI I am still anguising to keep a higher amount in equities. That pretty much sums up what I am evaluating.
My intent is to go to 40% fixed/cash but I'm wonder how the forum would respond to including these "exceptions" I'm considering counting in my "cash" pile.
I have been way over in equities for almost forever. I am currently 90+% in my true, personal money. I am saying that now that I am on the short path to retirement and pretty much FI I am still anguising to keep a higher amount in equities. That pretty much sums up what I am evaluating.
My intent is to go to 40% fixed/cash but I'm wonder how the forum would respond to including these "exceptions" I'm considering counting in my "cash" pile.
- I have a modest fixed/non-COLA pension that I could "annuitize" and consider the annuity value as part of my fixed. I'm not considering SS since it's inflation adjusted and "that much less" I need for my expenses.
- A modest, but not insignificant, inheritance is expected to DW when my in-laws depart this world. The amount I'm considering is the net of an extremely optimistic outlook on their continued existence.
- My father's unbelieveably stupid variable annuity will "pay off" and that is invested rather conservatively. I "know" what I'll get and how it's currently invested.