asset allocation

/Tag: asset allocation

Reallocating Future 401(k) Contributions From 50% Cash

Almost exactly 1 year ago I decided to change the allocations of my new capital contributed to my 401(k) from a balanced mix of funds to 50% cash to build up a stock pile of money to deploy when, not if, a correction occurred.   In addition, I took 10% out of equities and put it in cash as well.  The move had been on my mind for a while and when I saw another blogger's post about some very real statistics regarding then CAPE/PE10 levels I decided to act.   I laid out the exact risk/reward, The risk is clear – the market keeps RIPPING [...]

By |2018-08-15T23:29:25-04:00August 8th, 2018|Qualified/Retirement|0 Comments

What is Rebalancing an Investment Account? Actually Rebalancing my 401(k)

It has been almost a year since I rebalanced and Reallocated my 401(k), so it is about time to take a look at the account. What is Rebalancing? According to investopedia rebalancing is, The process of realigning the weightings of one's portfolio of assets. Rebalancing involves periodically buying or selling assets in your portfolio to maintain your original desired level of asset allocation One could rebalance based on specific funds or based on total allocation (i.e. stocks to bonds).  Like everything in personal finance there are no set rules or standards.  Notwithstanding, FINRA recommends at least a yearly review of your 401(k), [...]

By |2013-09-26T14:51:16-04:00August 5th, 2013|Investments|0 Comments

April 2012 Update of My Dividend Investment Portfolio Watch List

Every 60 days or so I like to update the watch list for my Dividend Investment Portfolio and since my last update was in February 2012  I figured it was about time.  These posts are to provide myself with a “watch list” for stocks to buy based on a snap shot in time of the stocks' metrics (in this post it is 4/4/12).  The goal with my dividend investment portfolio is to be an income stream one day.  This project is not a 3 month or 6 month project, but rather a 10 year one. My dividend portfolio is made up of [...]

By |2014-06-24T21:13:53-04:00April 4th, 2012|Dividend Investment Portfolio|3 Comments

No Investment Strategy Will Perfectly Align with Your Goals

I read two recent articles from Registered Rep Magazine that reminded me that regardless of how well you plan, and strategize there is no perfect investment strategy.  It doesn’t matter if your investment goal is to mitigate taxes, or if the goal is to invest in all indexes because over time they “have” to beat the actively managed fund there will be examples that will interrupt any perfect planning.  It may be a bit too serious for this type of article but as the old adage goes: We Plan and God Laughs Three Common Strategies to Mitigate Taxes That Don’t Always Work [...]

By |2013-09-26T14:57:55-04:00August 26th, 2011|Investments|8 Comments

Why Investment Services or Subscriptions Probably Don’t Make Sense to Purchase

I have a friend of a friend who works for a hedge fund and whenever I have a few drinks with him I try to understand what he does.  From what I can gather he has created an algorithm that tells him when to buy and sell stocks, derivatives and currencies on a large scale.  He makes an amazing living by anyone’s standards working for a hedge fund.  So, when I receive an e-mail advertising a new service I was confused and felt a little bit annoyed. Note: the reason I don’t name/link the company is out of respect for the co-founder who [...]

By |2013-09-26T14:59:51-04:00April 11th, 2011|Investments|22 Comments