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I'm ready to start with the FF. Right now my portfolio is about 85% index mutual funds and 15% cash. I'm not sure I understand exactly how to begin, though. It seems there are two approaches: buy the current FF, hold them for a year, then adjust to the new FF after that time, vs. buy the current PPP (if I'm using PPP correctly - I mean the FF stock with the best price/yield) each month. Equal dollar amounts all around.

At any given time, with the first approach I'll have four stocks and with the second I'll have 12. Do I have this right? If so, I'm more interested in the second approach.

What I've read so far doesn't make the process crystal clear in my mind, probably because I've been mindlessly DCAing index funds for so long. To get started it looks like I pick a date, pick the PPP on that date, and buy it in my chosen dollar amount. Then do that every month for a year. After a year and a day, replace the oldest holding with the latest PPP.

Of course, I don't understand rebalancing a FF portfolio at all yet, but I have a year to work on it, right?. Do I have it all right or am I missing something?

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