FillorKill wrote:seekinganswers wrote:Purchasing power preservation for about 40 years with an ever decreasing need to purchase...
...PROCESS: Move cash into these allocations at rate of 30K/quarter, rebalancing by adding rather than selling. Do this for 8-10 years - roughly 2017 - 2027.
Your plan is to spend 20-25% of your investment horizon getting to your stated AA? You'd probably be better off with a more conservative AA implemented in a much shorter period. Your actual AA across the 40 year period is already much more conservative than your target as you take (up to) a decade to get there.
Good point! Will need to factor in that concept ... just fearful of allocating larger lumps only to see it disappear. Bed bugs would eat cash under a mattress more slowly than market distortions as they revert.
Seriously good point you make though!