I find our Asset Allocation going up to 66/37, the intended AA being 50-55/45/5.
This is in spite of having Muni Funds & short Term Bond Funds in Taxable accounts
1)The high Stock returns,
2)Roth Conversions from Bonds to Stocks, in trying to decrease the RMDs
are some of the reasons I could see for this.
I am 65, retired & although not alarming, the aggressive AA concerns me. There is the risk of poor sequence of stock returns also, although our Bonds will last 12 to 15 yrs of basic living expenses.
I am doing serial yearly Roth Conversions & have some prior cash left for living expenses.
If I sell the Stock Funds with its cap gains it leaves less room for Roth Conversions.
If others are having this rising Equity Glide Path, how are you managing it.
I will appreciate any feedback, thankyou in advance
This is in spite of having Muni Funds & short Term Bond Funds in Taxable accounts
1)The high Stock returns,
2)Roth Conversions from Bonds to Stocks, in trying to decrease the RMDs
are some of the reasons I could see for this.
I am 65, retired & although not alarming, the aggressive AA concerns me. There is the risk of poor sequence of stock returns also, although our Bonds will last 12 to 15 yrs of basic living expenses.
I am doing serial yearly Roth Conversions & have some prior cash left for living expenses.
If I sell the Stock Funds with its cap gains it leaves less room for Roth Conversions.
If others are having this rising Equity Glide Path, how are you managing it.
I will appreciate any feedback, thankyou in advance