Originally Posted by Veritasophia
Oops!* Must of looked at PCRDX twice.* Thanks for the correction.* I guess PCRIX is the cheapest as far as commodities go right?
Cb, would you share your % allocation in PCRIX?
It was 15% of our portfolio when I bought in a year ago, and it was the first real "diversifier" added to our mostly US & Int'l Total Market indexes. Returns and payroll additions to the other classes have shrunken that to 12.6%. I'm content to leave it as-is...when I retire altogether later this year (I'm part time now) I'll do a 401K rollover to an IRA, at that point we'll be able to diversify more broadly, and PCRIX will have a smaller role in the portfolio, perhaps ~10%.
When both my wife and I have retired (and rolled out 401K's) our portfolio might look something like this, give or take a few percent here and there depending on tax consequences, Admiral class availability, etc, etc:
9% Large Growth
9% Large Value
9% Small Value
9% Far East
9% Intíl Value
9% Commodity Futures Index
9% Short term Bond Index (gradually increasing as we age)
9% TIPS (gradually increasing as we age)
1% Old Guitar Amps
We've got decent pensions & SSI coming in the future, so I'm comfortable with the heavy equity allocation.