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Rebalancing Strategies

Hi everyone! We're not sure how to go about rebalancing this portfolio. Any advice? (Slightly more specific questions below). Emergency Funds: We have 5-6 months at current spending levels (which are a tad high). Debt: Mortgage - 4.75% interest - 390% of current retirement money (We're looking into ...
by yummy_tacos
Fri Feb 01, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Strategies
Replies: 9
Views: 901

Re: New to Investing, Currently have a mess for an allocatio

In my opinion, every investor needs an "Investment Policy Statement", or IPS. This is a document that defines your investment philosophy, asset allocation, re-balancing bands, etc. I think that this is a first step for any serious investor. Thanks for mentioning this. I've started to look...
by yummy_tacos
Tue May 29, 2012 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

Re: New to Investing, Currently have a mess for an allocatio

I think you should have 6 months worth of living expenses saved in your emergency account. You have 2 young children. You state that you do not have this amount. [...] I would hate to see you not have available assets that may be needed in your stage of life because you no longer have about 2/3 of ...
by yummy_tacos
Tue May 29, 2012 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

Re: New to Investing, Currently have a mess for an allocatio

Thanks again for following up, everyone. I just came across some new information today, which I've added to the above post: Apparently we have access to a Schwab PCRA through His 401(k). That won't change the asset allocation, of course, but it might make the choice of Funds better, right? I'm also ...
by yummy_tacos
Thu May 24, 2012 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

Re: New to Investing, Currently have a mess for an allocatio

tractorguy - thank you for the thoughtful responses. I think that I'm okay with my portfolio plumetting. I started my 401(k) a few years ago, and after about a year it started tanking. I remember thinking "oh man, this is great. I'm going to be buying at such a low price now" as opposed t...
by yummy_tacos
Thu May 24, 2012 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

Re: New to Investing, Currently have a mess for an allocatio

3. I'm not sure of the student loan thing. Paying it down would take a lot of cash out of play. Is the loan stretched over a long time? If so, maybe just paying it off over time makes sense as it will be in cheaper dollars in the future (when inflation rears its ugly head once again.) That leaves y...
by yummy_tacos
Wed May 23, 2012 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

Can't figure out how to work Wiki

Apologies if "Wiki Issues" don't fall under the categories of "Forum Issues." I tried to edit the Wiki, but was told I didn't have rights (needed to have an account). I eventually found an account creation page on the Wiki, but it told me I don't have rights to create one. Anyway...
by yummy_tacos
Wed May 23, 2012 8:05 pm
 
Forum: Forum Issues and Administration
Topic: Can't figure out how to work Wiki
Replies: 1
Views: 393

New to Investing, Currently have a mess for an allocation

Hi Everyone. I'd like some advice on the following. Here's what things currently look like: Debt: Mortgage - 4.75% Interest - ~250% the size of current portfolio School Loan - 2% Interest - 13% the size of current portfolio School Loan - 6.8% Interest - 22% the size of current portfolio (Credit Card...
by yummy_tacos
Wed May 23, 2012 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Investing, Currently have a mess for an allocation
Replies: 18
Views: 1232

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