Checked the numbers today on my IRAs at Vanguard's web site.
* Rebalanced recently after 4 years to expand international to ~42% of total.*
* ~80% in Vanguard funds (mostly indexes), 20% in managed international funds.*
* 100% in equities (except for MM fund, where the dividends go until next rebalancing--this effect is so small I may go back to automatic reinvestment--but essentially 100% invested).*
* No new money in 4 years.
Dec-01* * base
Dec-02* * -13%
Dec-03* * +33%
Dec-04* * +18%
Dec-05* * +13%
Average since Dec 01 = +11.6%/annum.* Much, much better than I ever expected.
Vanguard doesn't like my allocation.* It differs from total world averages.* I still feel Japan and Europe are sick and have not taken adequate corrective actions yet.* Of course, that means I will miss the bounce.* *
* And then there is Andy Tobias' question:* Yeah, it's a bad stock[fund/market], but is there no price at which you wouldn't buy it?* (My answer: no.* :P )
Hope you-all are doing well, too.
(Where the heck can I find out how to make the table function work in this editor?)