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Yearly balance of portfolios..........
Old 04-24-2004, 07:06 AM   #1
Dryer sheet wannabe
Join Date: Dec 2003
Posts: 17
Yearly balance of portfolios..........

Hi everyone:
Is there a simplified method,internet site
or program that will help me to rebalance my portfolios
every year.Have no experience in $ matters and I'd like
to get as much information as possible.Thanks to all

roger is offline   Reply With Quote
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Re: Yearly balance of portfolios..........
Old 04-24-2004, 09:14 AM   #2
Thinks s/he gets paid by the post
charlie's Avatar
Join Date: Mar 2004
Location: Dallas
Posts: 1,211
Re: Yearly balance of portfolios..........


The best thing you can do for your financial
future is invest the time to educate yourself.
Otherwise, you will be at the mercy of financial
planners. Believe me, very few of them are
smarter than you and none are your "friend".

Please get a copy of Bernstein's "4 Pillars of
Investing" and all the mystery will be cleared

I gathered from your other post that you are
already involved with a planner. IMHO, you
would be far better off putting your IRA into
something safe, like Vanguard's Short Term
Corporate Bond Fund, and spend the time
necessary to learn about investing.

If you really don't want to deal with handling
your own money, I recommend you check out
Vanguard's Life Strategy Funds or the Target
Retirement Funds. These are balanced index
funds that do the re-balancing for you automatically.
The cost of these funds is about 0.25%, which is
far cheaper than paying a planner to invest for
you and getting poorer results.

Please excuse the rant, but I have the same
discussion with my children frequently. Since
you are already retired you should know better


Charlie (aka Chuck-Lyn)

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Re: Yearly balance of portfolios..........
Old 04-24-2004, 10:57 AM   #3
Give me a museum and I'll fill it. (Picasso)
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Join Date: Jul 2003
Location: Kansas City
Posts: 7,324
Re: Yearly balance of portfolios..........

Let me join Charlie's rant.

My SO has taxable and tax deferred(IRA) Vanguard Lifesratategy Conservative. The dividends/interest are auto deposited into her Bank One checking accessable by her ATM/Visa card almost anywhere in the world. Her books are generally murder mysteries. Never listened to or hired a planner.

50% Wellesley/50% Dodge and Cox Balanced is another way if you like the work of rebalancing once a year and don't like index funds that much.

One of the Target Retiremnt Series is a third way.

Retirement investing is stone simple - if you let it.
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Re: Yearly balance of portfolios..........
Old 04-25-2004, 02:25 PM   #4
Posts: n/a
Re: Yearly balance of portfolios..........

I agree unclemick! Retirement planning requires
some thought, but does not necessarily need to be
revised daily. For example, I think about my
financial situation about every day (hard wired into
my psyche), but I make very few changes in my
investments. I believe most people make it overly

John Galt
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