Well, this was my first year of retirement, and it's been a learning experience to say the least. I had a lot of mess to clean up (still do); and paid a lot of taxes (and still will.)
I don't have a set asset allocation at this point. I was high in equities during the majority of my working years, but built up a cash cushion pre-retirement with an eye towards conversions. The cash cushion actually came in handy. I sold most of my bond funds in the late spring (I should have sold them in January) and replaced them with short term treasuries. I also bought short term treasuries in lieu of most of my cash holdings. I ditched some expensive poor performing funds this year and tax loss harvested. My Roth conversions (and taxes) came mostly from cash, although I converted a few shares of funds in kind.
I will be looking at converting a higher percentage of stock than cash from my traditional IRA this year, and may front load the conversions - now that I learned about the withholding/60 day rollover combo on this board. I will try to do a combo of dollar cost averaging conversions in kind (yeah weird I know) and "buying" conversions in kind on the dips. (This can be a bit difficult, as I did not convert my favorite fund, i.e. healthcare, but converted some poorly performing growth funds, international and broad-based stock index fund.)
I will look into reallocating a portion of the divvies in taxable accounts come the second quarter.
My downfall is financial junk food. I don't "eat" much of it, but I do from time to time. A pharma that goes nowhere, an organic farm hanging on by the skin of its teeth, and rare minerals whom no one seems to want . . .
