Hello,
Haven’t started a post in some time but I wanted to let everyone know what I was doing. 44 YO and 7 years from FI. Lately I have considered changing my basic slice and dice index retirement portfolio with value, small cap, and REIT tilts into a simplified 50% TSM / 30 % Total bond / 20% Total International when I rebalance in January.
Its not that this slice and dice portfolio has performed poorly, its that I just don’t need the hassle of balancing the 9 funds among taxable, rollover IRA, Roth IRA and 401K. Every year it creates a new problem of what goes where and as additional funds are added in disproportionate amounts to the different tax structured retirement investments my asset allocation is out of balance more then in balance. I would never dissuade anyone to not value or small cap tilt but I’m just not sure, with all the other complications, if it’s really worth it in the long run.
Happy Holidays,
Haven’t started a post in some time but I wanted to let everyone know what I was doing. 44 YO and 7 years from FI. Lately I have considered changing my basic slice and dice index retirement portfolio with value, small cap, and REIT tilts into a simplified 50% TSM / 30 % Total bond / 20% Total International when I rebalance in January.
Its not that this slice and dice portfolio has performed poorly, its that I just don’t need the hassle of balancing the 9 funds among taxable, rollover IRA, Roth IRA and 401K. Every year it creates a new problem of what goes where and as additional funds are added in disproportionate amounts to the different tax structured retirement investments my asset allocation is out of balance more then in balance. I would never dissuade anyone to not value or small cap tilt but I’m just not sure, with all the other complications, if it’s really worth it in the long run.
Happy Holidays,