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Change in asset allocation

October 19th, 2019 at 01:37 am

I updated our portfolio spreadsheet and our asset allocation has drifted some from 12/31/18. I'm not surprised by that as I know we've been accumulating more cash. And of course market performance affects the numbers too.

12/31/18
69% stock
23.4% bond
7.6% cash

10/16/19
61.16% stock
26.67% bond
12.17% cash

I don't really have anything particular to say about these numbers. I'm fine with where they are. I do want to keep track as I don't really want the stock allocation to drop below 60%. I'm currently splitting at least $3,000/month between our savings account and our taxable Vanguard account so if I need to pump up the stock allocation, I can just direct more toward that instead of savings for a couple of months.

Posted in Personal Finance | 4 Comments »

4 Responses to “Change in asset allocation”

  1. Petunia 100 Says:
    October 19th, 2019 at 04:48 am 1571460523
    1571460523

    May I ask, do you index?

  2. disneysteve Says:
    October 19th, 2019 at 03:15 pm 1571498101
    1571498101

    We have a mix of index funds, actively managed funds, and individual stocks. I'll have to sit down and break it down.

  3. rob62521 Says:
    October 19th, 2019 at 07:17 pm 1571512656
    1571512656

    It's never bad to have some cash. Never know when you might need it and would hate to take a hit and pay a penalty to get cash if something comes up.

  4. disneysteve Says:
    October 20th, 2019 at 01:36 am 1571535395
    1571535395

    I've been intentionally increasing our cash position. I'm probably going to go car shopping next year. In the next year or two, we're probably also going to need to replace our roof. There's some other house stuff that we're gradually working on. We just bought a new dishwasher that is coming on Tuesday. I ordered 2 new light fixtures for the basement this morning. We need to replace a broken miniblind in the family room. All the usual nonsense.

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