What triggers your rebalance?

[audreyh1]

Quote:

Originally Posted by donheff I probably do as well but the majority are in tax deferred where I reinvest dividends. I make current withdrawals from the taxed account which is 100% equities.

I see. We don't have much in tax deferred accounts.

[M Paquette]

Once a year I check to see if anything has moved outside of 75% to 125% of our target allocation. If so, I buy and sell enough to bring allocations within those bands. I also make sure the annual cash reserve I specify in my individual investment plan is adequate, and will sell off assets that are high relative to target allocation to raise cash.

Then I go back to playing with the cats.

[Options]

Quote:

Originally Posted by tuixiu Same. I rebalance once per year in early January, but every time there is a dip in the market I struggle mightily with the urge to buy under the guise of a rebalancing.

Same here except that I don't pay any attention to market dips. In fact, I don't pay any attention to the market at all. With all this simplicity, I should probably get some cats to play with like M Paquette...

I have been checking my NW as I have a specific soft target for year end and it looks like I'll exceed it. At least as the market stands today.

[unclemick]

21 years of ER and counting. Since rocking past 70 1/2 last year my ole buddies at the IRS have be set up at Vanguard to do the RMD automatically and leave the balance in MM.

Re balance is auto also since 2006 when I went Target Retirement.

heh heh heh - Still have 5% or less a few good stocks. Sometimes get a twinge of male hormones and miss the old days when I had a few more funds and did it manually.

[Chuckanut]

The more I worry about market dips and peaks, the more mistakes I make. I balance yearly.

I have tried taking my yearly allotment out early when the market has been going up, up, up, but that has not proven, so far, to be a winner or loser. So, I may just quit doing it. See my first sentence above.

[eta2020]

Nothing

If I buy something like S&P 500 index I never sell it. I just collect dividend which I hope will grow from year to year