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Old 01-27-2017, 03:51 PM   #21
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Stick to an AA. And try to avoid the impulse of hitting the grand slam... that grand slam won't win the ballgame, good coaching, smart players and discipline will however!

If you are just as uneasy about dropping it all back in at once, DCA into a comfortable AA. I've made the same mistake you made, and learned from it.

My return was 9% last year and most people around me at work seem to think that was good. That was simply looking at prior years AA, then making sure at the end of the year my AA was the same number.

Buy and hold man, never sell!
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AA (Stock/Bond/Cash ): 97.5/0/2.5% MIX (Small/Mid/Large): 25/25/50% BLEND(US/Foreign): 100/0%, REIT (Real Estate Equity): ~50% of Assets

FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed.
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Old 01-27-2017, 08:08 PM   #22
Thinks s/he gets paid by the post
 
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Like the OP, I've been selling stocks gradually since the election. Unlike the OP, I'm still pretty confident that that will end up being the right decision.

Valuations are very high, corporate earnings are pretty stagnant, and we have potentially disastrous policies being considered in Washington.

I'm not big on market timing, but if the underlying valuations of stocks don't make sense to me, I'm not going to hold them just because people say you are supposed to. I avoided a lot of pain during the tech meltdown because I sold a lot of stocks when their valuations got beyond anything that made rational sense to me. I went into the Great Recession fully invested and bought all the way through, so I'm not Nostradamus, but I also am not one to panic just because something I bought goes down.

I'm down to about 75% stocks from about 90% before the election, so it's not like I will be unhappy if the market goes up and those sales end up looking foolish.
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