chinaco
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 14, 2007
- Messages
- 5,072
We will ER in 4+ years. I am rebalancing and targeting a 60/40 allocation slice and dice approach in general. There is more to my overall approach, but this is a general target for the overall portfolio @ 55. I will probably get a little more conservative as we age...
I am currently at 70/30 and intend to use additional funds that are added (via wages), gains/divs thrown off in that taxable account to help rebalance, The rest will be moved in tax deferred accounts to bonds. The bonds are in mutual funds. Mostly in intermediate term. A small amount in tips and LTB.
However, my equity alloc looks like it could be tuned. Here are my current holdings. Most all are low fee funds.
S&P 500 Index 50% (1/3 of this is actually an individual Blue Chip that cannot be sold till DW retires)
Mid Cap 400 Index 7.3%
Small Cap Growth Index 3.3%
Foreign (mix of funds) 8.7%
REIT 1.4%
I have looked at the coffee house allocation. It seems to be a a little aggressive in the Small cap and REIT allocations.... But maybe it is the right way to go.
As I move toward my overall target... what would you recommend in terms of target equity allocations for the 60% of the total portfolio?
I am currently at 70/30 and intend to use additional funds that are added (via wages), gains/divs thrown off in that taxable account to help rebalance, The rest will be moved in tax deferred accounts to bonds. The bonds are in mutual funds. Mostly in intermediate term. A small amount in tips and LTB.
However, my equity alloc looks like it could be tuned. Here are my current holdings. Most all are low fee funds.
S&P 500 Index 50% (1/3 of this is actually an individual Blue Chip that cannot be sold till DW retires)
Mid Cap 400 Index 7.3%
Small Cap Growth Index 3.3%
Foreign (mix of funds) 8.7%
REIT 1.4%
I have looked at the coffee house allocation. It seems to be a a little aggressive in the Small cap and REIT allocations.... But maybe it is the right way to go.
As I move toward my overall target... what would you recommend in terms of target equity allocations for the 60% of the total portfolio?