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12-18-2007, 11:07 AM
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#1
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2008 portfolio changes
What, if any, changes are you planning to make in your portfolio in 2008?
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12-18-2007, 11:14 AM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Zip, nada, none...
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Numbers is hard
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12-18-2007, 11:17 AM
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#3
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Posts: 1,703
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Mostly getting nominal bonds out of my taxable accounts and moving into munis. Both because of better yields with munis (see the thread on discounted CEFs) and to minimize my taxes (which are starting to bite as my portfolio income increases).
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Emancipated from wage-slavery since 2002
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12-18-2007, 11:21 AM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2006
Posts: 12,483
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Less international, dialing back REIT's to no more than 5% of the portfolio, reallocating to growth and small cap value
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Consult with your own advisor or representative. My thoughts should not be construed as investment advice. Past performance is no guarantee of future results (love that one).......:)
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12-18-2007, 11:24 AM
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#5
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Thinks s/he gets paid by the post
Join Date: Feb 2004
Posts: 2,670
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I expect to keep my asset allocations as they are with some minor tweaking.
I may add some new money into international funds where I am on the low side of my range and throw any leftover cash into a money market account in order to accumulate some extra reserves for possible real estate investments if the opportunity arises.
__________________
No man is free who is not master of himself. --- Epictetus
Enjoy Yourself (It's Later Than You Think). --- Guy Lombardo
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12-18-2007, 11:36 AM
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#6
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Scale back on equity to 55% and shift the proceeds to a stable value fund.
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12-18-2007, 11:56 AM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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2007 was a great year for us in the market. I will continue to try to make my portfolio more tax efficient and to tilt more to small and value. I have some legacy actively-managed mutual funds with largish expense ratios and embedded capital gains that I want to unload. These same funds hit me with large taxable distributions this month, which I have taken in cash which in turn is being used to buy ETFs like GWX (small cap international) and DGS (small cap emerging markets). All this will reduce the number of holdings and simplify things for me even further.
I am on the 10-year payout plan with TIAA traditional and its going into TIAA real estate on autopilot.
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12-18-2007, 12:07 PM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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Quote:
Originally Posted by Tiger
What, if any, changes are you planning to make in your portfolio in 2008?
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Oh, man. What changes am I NOT making in 2008?
Since ER is planned for 23 months from now, I am planning to start moving towards a more ER-like asset allocation of 45:55, rather than my present accumulation phase AA of 60:40 (with the 45 and 60 being the equities portions). A reasonable amount of "pssst.... Wellesley!" will be put into place in my ER portfolio at some point. My TSP will move into the "G Fund" entirely by 2009.
Also I am moving towards a diversified, buy-and-hold ER scheme that I am presently hammering out, probably including more small cap and even my first REIT investment (in my Roth IRA, with a little cringing and stress), and less European. Right now my taxable portfolio is small but growing extremely fast due to paying off my house, plus there is a possible windfall in the works. So, at the moment I am working pretty hard on figuring out what I want this portfolio to look like depending on its possibly expanded size or lack of same in the future.
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Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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12-18-2007, 12:16 PM
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#9
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Thinks s/he gets paid by the post
Join Date: Apr 2007
Location: west bloomfield MI
Posts: 2,223
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selling 1% to bonds in June and another 1% in December.
creating a mortgage payoff fund (a fund I will invest in as opposed to paying off mortgage). PRFPX is probable fund I will use.
Verifying all the rollovers I did in 2007 and new funds I chose in 2007 perform to expectation in mid and small cap sectors.
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Light travels faster than sound. That is why some people appear bright until you hear them speak. One person's stupidity is another person's job security.
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12-18-2007, 12:20 PM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2003
Posts: 18,085
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I have decided to gradually move all our IRA funds (2/3 of total) to index portfolios. I will let each existing position sit until it naturally gets worked out, so this may be a multi-year process.
Other than that, I am looking to add tax liens and rental real estate to the mix, but both are dependent on being able to get an adequate return for the risk and trouble.
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"All animals are equal, but some animals are more equal than others."
- George Orwell
Ezekiel 23:20
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12-18-2007, 12:35 PM
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#11
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Recycles dryer sheets
Join Date: Sep 2006
Location: Fort Collins
Posts: 194
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I'm pretty happy with the current asset allocation and not planning to make any changes at this point.
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12-18-2007, 12:45 PM
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#12
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,128
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no changes, just the usual re-balancing if needed.
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Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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12-18-2007, 12:55 PM
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#13
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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I have been at 86% equities so I'll probably scale back a little .I also learned my lesson and I'll write a 100 times "I will not waste money on Penney Stocks ".
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12-18-2007, 02:56 PM
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#14
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,328
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Quote:
Originally Posted by REWahoo
Zip, nada, none...
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Ditto for the most part. I migrated out pre-tax funds to indexes ala Brewer. We have a substantial chunk of taxable funds left in managed accounts but I have exhausted my losses from the 2000-2001 downturn so I can't see a good way to change them other than spending them down over the years.
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Idleness is fatal only to the mediocre -- Albert Camus
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12-18-2007, 04:14 PM
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#15
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Recycles dryer sheets
Join Date: May 2007
Posts: 290
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Increase bond weighting by 1% (age-10).
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12-18-2007, 04:25 PM
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#16
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Thinks s/he gets paid by the post
Join Date: Feb 2006
Posts: 3,895
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i'm hoping to get out of real estate.
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"off with their heads"~~dr. joseph-ignace guillotin
"life should begin with age and its privileges and accumulations, and end with youth and its capacity to splendidly enjoy such advantages."~~mark twain - letter to edward kimmitt 1901
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12-18-2007, 05:13 PM
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#17
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Full time employment: Posting here.
Join Date: Oct 2007
Posts: 642
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No change to AA for me. Normal early January rebalancing back to targets.
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"Making deliberate choices about how to spend your money and your time is the essence of making the most of your life energy." -Bill Perkins, Die With Zero
"I've traded love for pennies, sold my soul for less" -Jim Croce, Age
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12-18-2007, 05:26 PM
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#18
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Full time employment: Posting here.
Join Date: Mar 2007
Posts: 577
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Add another 1% to bonds, keep buying small value until I get the tilt right, probably add commodity ETF up to 5%, keep working on driving expense rate down.
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I highjacked a rainbow and crashed into a pot of gold - Bon Jovi
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12-18-2007, 08:53 PM
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#19
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Thinks s/he gets paid by the post
Join Date: Oct 2006
Location: North-Central Illinois
Posts: 3,228
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No changes. It's staying the same as it is now....about 80% equity, and 20% bonds/cash.
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12-18-2007, 09:34 PM
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#20
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 13,186
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I've decided to load my portfolio up with winners for 2008. To heck with this tax loss harvesting crap! I'm gona try to actually make some money in '08.
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"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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