Craig,If the portfolio is only $5-6K, you need to be very careful with friction (the cost of trading). Even with MI, it is difficult to get over the hump of trading too frequently. I have had that issue with small accounts (IRA that I can't contribute any more to it). My solution has been to go with quarterly screens using the Top 3.At 35, I don't worry about allocation after I had my emergency fund in place. I keep all retirement accounts 100% in stocks. Haven't studied enough about the Arezi Ratio to use it effectively.HTH,- zol
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