So my question is, should I 1) wait until the funds are heavily unbalanced (20% or so) and just take the transaction hit, or 2) purchase only the under-balanced funds for the next 6 weeks or so until it gets back to the target allocation?
My concern with option 2 is that it will only take approximately 3 contributions to get allocation correct because my overall balance is rather small in comparison to the contributions. However, in 5-10 years down the road, what do I do if the market heavily fluctuates and the account is much larger? It could take many months or even years to rebalance only with new contributions.
Thanks for any thoughts on this.
But my real question is -- wouldn't it be easier for you HSA to be only ONE fund, that - when taken as a whole with your other investments - complements your overall AA?
My AA is 70/30 stocks/bonds, but my HSA is 100% total US stock. It's just a part of the whole.
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