Are you rebalancing now?

[newkidontheblock]

I usually rebalance our portfolio once a year around the last week of December or early January.
I don't pay attention to the stock/bond market performance when I rebalance.
Are you rebalancing now? Has fiscal cliff affected the timing of your rebalancing?

[retiredjg]

I rebalanced 2 or 3 days ago. Fiscal cliff motivated me to do it a few weeks earlier than "normal". Not that my 5% adjustment will make much difference if the market crashes....

[livesoft]

I tend to look to see if I need to rebalance on a RBD, so it's been awhile. Portfolio is well within tolerance bands.

[Sidney]

I am right about at my target right now. No action needed.

[BHCadet]

We rebalanced last week since we have to sell some security in our taxable account and want to take advantage of the 15% long term CG tax rate in 2012.

[tomd37]

First time I have had to rebalance to get back to my AA in many years. Usually handle it with my RMD, but this year the balance was off more than usual and did not want to wait until next RMD late in 2013. It has been a good year for me though. Don't know what to expect after the news this afternoon.

[chaz]

I rebalanced this month as I took my RMD.

[midareff]

Did a small rebalance inside a Roth a couple of days ago. Everything else in conventional IRa and taxable is inside bands.

[pennstater2005]

Rebalance daily secondary to having a target retirement fund. Although I don't actually do anything, which is a good thing.

[KyleAAA]

I don't rebalance until after I've done my taxes anyway, so I guess I don't have to worry about it so much.

[grabiner]

I do my full rebalance in January, when I make my Roth IRA contribution. Since the Roth IRA is the only investment I make which can go to any asset class, I need to track my whole portfolio to see where it goes, and that is a natural time to adjust everything else that can be changed without a tax cost. (I won't sell anything in my taxable account to rebalance unless I am outside my rebalancing bands.)

[Groundhog]

I also rebalance in January after I make our Roth contributions for the year. We use Total Stock Market and Total International for our Roths. I rebalance using my TSP moving among F, C, S and I funds as needed.

[FedGuy]

I rebalance using my TSP moving among F, C, S and I funds as needed.

No G? I thought half the benefit of the TSP was having access to the G Fund.

[Default User BR]

Are you rebalancing now? Has fiscal cliff affected the timing of your rebalancing?

I don't rebalance on a schedule. I have a spreadsheet incorporating Swedroe-style 5/25 rebalancing ranges. No asset allocations have indicated a need.


Brian

[scubacat]

I am rebalancing now. My TSP will be rebalanced today and my IRA will be done in a few days when I make my 2013 contribution.

[Groundhog]

I rebalance using my TSP moving among F, C, S and I funds as needed.

No G? I thought half the benefit of the TSP was having access to the G Fund.

My wife is 100% G Fund in her TSP and I use the F Fund in my TSP. Just trying to mix things up a bit with G only returning 1.46% ytd.

[livesoft]

I imagine the folks who are rebalancing now are pretty close to their desired asset allocation anyways, so any movement of money will be rather small.

[dianna]

FWIW, since we are still within the accumulation phase of our lives, we "rebalance" monthly with our contributions. We haven't been outside of 5% bands for awhile because of this. It will be interesting when one/both of us stop accumulating and we need to develop an iron stomach to tolerate the swings.

[Whiggish Boffin]

I haven't hit my rebalancing bands since October 2011, though I've gotten close a few times, so -- no, I'm not rebalancing now.

[nedsaid]

I have not rebalanced. Somehow 2-3 percent from bonds does not exite me.

Just checked my portfolio today. 2/3 stocks 1/3 bonds at age 53. A bit high in stocks at my age. My new money is going in at 60/40 stocks/bonds. I have been doing that for a long time.

In 2007, I was up to 72/28 stocks/bonds and got as low as 60/40 at the bottom in 2009. For about a year, all my new money went into stocks. I joked that the market did my rebalancing for me!!

I think about rebalancing for a while and look for an opportune time to pounce. Right now, stocks look cheaper than bonds and I don't think rebalancing into an expensive asset class is a good idea right now.

This might be heresy, I rarely rebalance. Maybe three times in 12-13 years.

[Dandy]

No - didn't have enough money in Money Market which I use to rebalance when at all possible. I don't usually affect existing investments when "buying opportunities" or "selling opportunities" occur. I understand the attraction of these opportunities to rebalance but it can easily lead me to quasi market timing when I don't use money targeted to rebalancing.

I am surprised that people choose the end of December to rebalance. So much goes on in December including tax loss harvesting, investment managers doing end of year window dressing of their portfolios, funds paying cap gains and dividends, year end bonuses etc. That is why I chose February

[Johm221122]

Did not rebalance, only 1% off on fixed income and large cap.Small cap,Reits and international were less than 1% off
John

[livesoft]

S&P500 is about where it was back at the beginning of October and also around December 18th, so if you rebalanced then, you should not have to rebalance now. It almost seems like folks only have a memory for the past 3 days.