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Re: Stay cool...

Posted: Sat Aug 01, 2020 11:28 am
by blue_ruin17
sophie wrote: Fri Jul 31, 2020 2:10 pm I didn't "opportunistically" rebalance. I did it when I crossed a band. I was watching for when that happened using a google sheet I designed to give the indication, without my having to actually check my portfolio. I remember being a little disappointed though, that I didn't rebalance when stocks hit their low point, as some people here did. However, I would have been rebalancing out of cash into stocks, whereas my rebalance involved moving money from cash and bonds (primarily) and a bit out of gold. In the end I don't think it made a lot of difference.

I'm nowhere near crossing any band right now, so sitting tight as per plan.
What bands do you use?

Re: Stay cool...

Posted: Sat Aug 01, 2020 11:36 am
by Kriegsspiel
I'm a hair's breadth away from hitting 35% gold, I am leaning towards cutting back on luxury purchases so that I can contribute more to the lagging assets until my current contract expires in a few months. But it's not a bad problem to have.

Re: Stay cool...

Posted: Sat Aug 01, 2020 12:34 pm
by buddtholomew
Kriegsspiel wrote: Sat Aug 01, 2020 11:36 am I'm a hair's breadth away from hitting 35% gold, I am leaning towards cutting back on luxury purchases so that I can contribute more to the lagging assets until my current contract expires in a few months. But it's not a bad problem to have.
Taxable or tax-deferred accounts?
Selling Gold in taxable is a tough pill to swallow.

Re: Stay cool...

Posted: Sat Aug 01, 2020 2:01 pm
by Kriegsspiel
buddtholomew wrote: Sat Aug 01, 2020 12:34 pm
Kriegsspiel wrote: Sat Aug 01, 2020 11:36 am I'm a hair's breadth away from hitting 35% gold, I am leaning towards cutting back on luxury purchases so that I can contribute more to the lagging assets until my current contract expires in a few months. But it's not a bad problem to have.
Taxable or tax-deferred accounts?
Selling Gold in taxable is a tough pill to swallow.
Taxable. Now, in my case it isn't that big of a deal because I can sell some high cost-basis coins, so the tax bill isn't that bad at all. That's before any IRA or HSA contributions, too.