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What would you have done differently and what are you contemplating?
Different:
I did my IRA asset allocation well before I became fully educated. The experts said REITS should be in a tax deferred fund due to their weak tax efficiency, so thats where I put them. In retrospect, I would like some or all of my REIT holdings in my taxable account for the dividend payout because my tax situation can tolerate a lot more current income. It would raise my dividend rate by about .25-.50% depending on how much REIT I held in the taxable account, and I'd like that.
Contemplating:
Once short term interest rates are nearly done moving up (at least once the moves are priced in), say around 2%-2.25%, I may move some of my short bonds into interm, back into the wellesley income fund, or into california interm munis.
If equities were to take a punch in the nose, I might move some of that short bond into US equities.
I also like vanguards energy, and precious metals funds, but the energy is overpriced and I think the metals fund has a little way further to drop. I might buy 10% of energy if the price came off about 15-20%, and I may buy 3%-ish of the metals fund. I'm also considering several commodities funds for 5% but everyones piled into these and its driven the prices up.
Different:
I did my IRA asset allocation well before I became fully educated. The experts said REITS should be in a tax deferred fund due to their weak tax efficiency, so thats where I put them. In retrospect, I would like some or all of my REIT holdings in my taxable account for the dividend payout because my tax situation can tolerate a lot more current income. It would raise my dividend rate by about .25-.50% depending on how much REIT I held in the taxable account, and I'd like that.
Contemplating:
Once short term interest rates are nearly done moving up (at least once the moves are priced in), say around 2%-2.25%, I may move some of my short bonds into interm, back into the wellesley income fund, or into california interm munis.
If equities were to take a punch in the nose, I might move some of that short bond into US equities.
I also like vanguards energy, and precious metals funds, but the energy is overpriced and I think the metals fund has a little way further to drop. I might buy 10% of energy if the price came off about 15-20%, and I may buy 3%-ish of the metals fund. I'm also considering several commodities funds for 5% but everyones piled into these and its driven the prices up.