Thanks for the insights, nwagers. I think you must be right: "buy" is more efficient than "buy, sell, buy." Regarding your comments on the second question. The suggestion seems to complicate things a little too much. I would then have over-allocations to two asset classes, one of...

I'm 35 and about to implement the PP with all future retirement contributions to two new Schwab Roth IRAs (mine and my wife's, newly-opened for PP purposes) and my Roth TSP (federal govt's version of 401K). I have two questions: 1) Is any of the PP magic lost if my 35/15 balancing comes through futu...

These are more good ideas. I really appreciate it. I'm wondering: can i rebalance WITHOUT selling? In other words, can I rebalance my PP retirement portfolio by allocating new contributions in a way that brings things into balance when 35/15 bands are reached instead of selling? I can't move funds b...

Thank you all very much for the insights and taking the time to write. It really is a square peg, round hole situation, so I'll just do the best I can!

I'm a 35-year-old federal employee, who plans on staying put until I retire. God willing, I'll get both a federal and military-reserve pension in addition to savings in retirement accounts. My wife and I each have an IRA, and I have the Thrift Savings Plan / TSP as a federal employee. I just read Mr...