UnThreaded | Threaded | Whole Thread (4) | Ignore Thread Prev | Next
Author: rjm1 Big red star, 1000 posts 10+ Year Anniversary! Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76384  
Subject: Re: Inherited IRA - Asset Reallocation Date: 3/10/1999 9:51 PM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 0
As a result of an inheritance, my portfolio is now
heavily weighted towards US Treasuries. (80% bonds,
I am in my early 40's) What thoughts do people have
on the processes of asset redeployment?

I am concerned that with the markets near all time
highs it might not be a good idea to shift all the assets
at once into say S&P500 index funds. Perhaps a
dollar cost averaging approach would be better – but
over how long a time period? I was thinking about a
12-month process to move the investments.


My problem is figuring out how much to keep in bonds. At 40+ and saving for retirement I would go towards 90%+ in stocks. The 10% would make me feel better if the market took a dive (and it will). I know I can get some cash from the bonds if an emergency (not covered by my regular emergency fund) comes up.
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (4) | Ignore Thread Prev | Next

Announcements

The Retire Early Home Page
Discussion on accelerating retirement day.
Pencils of Promise - Back to School Drive
"Pencils of Promise works with communities across the globe to build schools and create programs that provide education opportunities for children."
Post of the Day:
Macro Economics

Russia Collapsing Again?
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and "#1 Media Company to Work For" (BusinessInsider 2011)! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement