The Balance Mutual Fund per Mr Bogle

[audreyh1]

I consider it [the simple approach] every year about the time that I'm doing taxes

MB

Exactly!

And add to that - I consider it every time that I think about whether it's time to rebalance the portfolio. It only takes me 5 mins to run the calcs through my fancy spreadsheets (with data downloaded from Quicken), and I only check about once a quarter or after a significant market run up or down, but STILL. After many years, that occasional "checking" seems like quite a burden. I guess also because I realize I'll be doing this for as long as I live (or am of sound mind).

Audrey

 

[WilliamG]

I like the fund driven balancing feature and complement with index funds for asset classes not easily found in hybrid funds; international, reit, small cap. We have 4 hybrid funds: Lifestrategy Growth in DW Roth, Wellington in my Roth and Vanguard Asset Allocation fund as stock for balaning purposes/ Wellesley as bond in my roll-over IRA.