You sound like a man after my own heart! I, too, have only 10 years to invest before retiring on my nest egg. Except I plan to do so at 60, rather than 68.No need to open multiple accounts to run your portfolios; it makes rebalancing more difficult and still doesn't solve your bookkeeping problem.Here's what I have just finished setting up (I call this "Balanced Triple-Unemotional"):1) Decide what balance you want between Value, Growth portions. (I use 40% value, 60% growth. Others use 50/50 or even 75/25.)2) Decide what Value strategy to use. (UV2, UV4+, etc. I chose UV3, in proportions 2/1/1)3) Decide how many staggered Value mini-portfolios to run. Monthly is probably too often. I chose bi-monthly, giving me 6 per year (or 9 for an 18-month holding period). Quarterly would be ok, too,4) Decide what Growth strategy to use. I picked UG5 with monthly updates.5) Every month, I do the UG5 updates, but not rebalancing.6) Every even month I also have a UV mini-portfolio update. The one for this month should be 1/6 of 40% of my total Value&Growth portfolio. I update/buy/sell/rebalance this UV mini-portfolio, and also rebalance my UG5 portfolio. Since I always put the "proper" proportion of money into the UV mini-portfolio first, then make the UG adjustments. This keeps everything in dynamic balance, the overall Value/Growth ratio, and all the UV mini-portfolios equal to one another.In this manner, I keep the accounts pretty close to my desired balance. Money will shift between the Value mini-portfolios slowly, via the UG5 portfolio. When/if I ever get tired of trading once a month, I'll switch both portions to bi-monthly or quarterly updates. But I'm currently seeing my portfolio value grow at almost half the rate of my monthly paycheck. And I work 160 hours a month for my paycheck, and less than 5 hours for my investments, so I don't expect to get tired of it anytime soon!To start out, I took the money allocated for the Value portfolio, and bought the current UV3 stocks. Then allocated them evenly in all 6 mini-portfolios. This seemed like the easist and reasonable way to start off. Until an entire update cycle (12 or 18 months) goes by, the portfolios will be shorter term, but I can't think of any way around this. Other alternatives would be to leave it in cash, or park it in an index fund until the normal update--but neither of these appealed to me. And this way I don't have any extra bookeeping.The bookeeping is a bit of a pain in the butt to set up, but once I get it settled, I'll offer to show everybody what did.Ray
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