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Re: Year End 2005 Asset Allocations
Old 12-27-2005, 11:30 AM   #41
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Join Date: Mar 2004
Location: Dallas
Posts: 1,211
Re: Year End 2005 Asset Allocations

Season's Greetings to All,

My AA has not changed much since the last time I posted.

My wife's IRA is in Wellington compounding nicely.* She is 5
years from RMD. Her IRA is about 17% of our total financial

Our taxable mix is 50/50 with the equity split equally between
Vanguard's Tax Managed G & I, Tax Managed Small Cap and
Tax managed International.* The FI is in Intermediate Term Bond
index and a CD with PenFed.* Total taxable is also about 17%
of the grand total.*

My IRA, which we are drawing down at about 6% per year, is
40/60 equity to FI.* The equity is split equally among 7 VG
funds a la "coffeehouse" ...... Large Cap Index, Small Cap Index,
Small Cap Value Index, REIT, International Explorer, Total International and Windsor II.*

The FI part of my IRA is committed to GIM (unhedged foreign bond ETF),
several intermediate term corporate bonds that pay CPI + 2-2.38%.
and a MM to collect income and pay a monthly draw.* I keep about
10% of my total IRA in the MM to act as a buffer in bad equity years.

My most recent addition was a short term bond paying 3 Mo T-Bill +
2.05% .* With T-Bills at about 4% this pays about 6% monthly.

As you can see, I am still betting on a falling dollar (at some point),
but GIM pays a nice 6% monthly dividend while waiting.* I might add
more if the price dips below $8 again.* The floating bond strategy
seems to be working OK so far with recent divs at better than 6%.

I hope you all have a prosperous new year!


Charlie* *


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Re: Year End 2005 Asset Allocations
Old 01-04-2006, 01:35 AM   #42
Full time employment: Posting here.
Join Date: Mar 2005
Posts: 699
Re: Year End 2005 Asset Allocations

Spanky writes:

I am thinking about adding commodity and Japan for 2006.
2003 would have been better...

Then again, for a permanent allocation shift, there is no time like the present.



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