How much should you have invested before you start worrying about your asset allocation? For instance, at this point I invest solely in VTSAX which is 100% equities, but I don't really have that much invested yet. Is it worth trying to fulfill a certain AA as soon as your start down the investing path or is it better to wait until you have at least enough for admiral shares in each fund you may be interested in?
Maybe some thresholds would help me. For instance:
Amount saved:
$10k -> pick any fund you like, 60/40, all stock, target retirement, etc.
$25k -> keep feeding your fund
$40k -> start a basic AA with stocks/bonds or something similar if it does not already exist in your fund
$80k -> start looking at expanding AA into other investment vehicles like real estate/reits, international, etc.
$100k -> have the AA that works for you and already rolling
$100k+ -> just keep chugging along
I just picked the numbers above randomly to illustrate a kind of road map that would be helpful to me. What is your road map?