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In particular, since value changes daily and you don't want to fall below the minimum amounts, how much padding do you maintain on your accounts?

The two easy ways to reduce volatility are to look at more things at once, and to look less often.

Certainly, as long as the dollar amount by which you are out of balance is less than the new money you can add to your investment pool during the next year, there is no obvious reason to trade SOLELY for the purpose of rebalancing. You can fix it soon enough just by choosing how the NEW money is to be applied.

(If you have income from the bonds/REITs, or are selling some of them for OTHER reasons, there's no reason not to move some or all of that money into stocks to help the balance.)

And once you're in the withdrawal phase you can similarly rebalance somewhat by choosing which part of your portfolio to sell a piece of in order to pay your living expenses.

I think you'll find a general rule of thumb, as well, that being less than 5% out of balance isn't worth any rebalancing trades. Some would say 10%.
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