Author Topic: Asset allocation  (Read 884 times)

themashedup1

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Asset allocation
« on: July 20, 2016, 08:31:56 AM »
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« Last Edit: January 02, 2017, 09:22:16 PM by themashedup1 »

2Birds1Stone

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Re: Asset allocation
« Reply #1 on: July 20, 2016, 08:39:13 AM »
I think you may be a little underexposed to US equities.

Or just overexposed to the other three.

What are your goals? Timelines? Are you counting your pension as your fixed asset allocation portion? Hence the 100% equities here?

How confident are you that you will get your pension? How far away from retirement are you?

Really not much info to give any meaningful advice.....

Kaspian

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Re: Asset allocation
« Reply #2 on: July 20, 2016, 09:42:43 AM »
Because "winners rotate," taking some of the cash off the overachiever's table, to fund the underachiever (which could be next years' winner), is often a wise move.  ...Rebalancing has, (at least for me), worked out very well.

That said, I guess it depends on the size of your portfolio?  If it's not too large, "throwing cash at the wall," might be a decent enough plan for awhile.  There have been so many posts here showing that asset allocation doesn't matter too much in the grand scheme of things--at least not as much as savings rate and buying low-cost ETFs.

People can't help overthinking their portfolios.  I think it happens out of boredom.  When my own brain decides to turn into a financial tinkering dilettante, I give myself a few facepunches, have a cold shower, and go for a walk.