Worst investing year ever...

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buddtholomew
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Re: Worst investing year ever...

Post by buddtholomew » Mon Dec 24, 2018 6:05 pm

modeljc wrote:
Mon Dec 24, 2018 5:42 pm
buddtholomew wrote:
Mon Dec 24, 2018 4:23 pm
I’m sticking to the plan and moving from 25/25/15/35 to 35/15/15/35 and am currently 30/17.5/17.5/35.

I TLH Gold and offset gains in SCV (IJS)
I then bought SC Blend (IJR) to move closer to 35%
Definitely have felt the pain in stocks as IJR is down 6% since that purchase.

Basically, sold some gold and put in stocks and LTT’s.
Not that concerned that I missed some gold gains as some went to LTT’s to mitigate.

5% went to stocks with the intent of including more equities going forward. It’s a crapshoot but I feel better having slightly less gold, more stocks and LTT’s.

Still wishing we either see a strong stock recovery or Gold/LTT’s catch a bid. Would like to rebalance from either of these into stocks.
Glad you are still around! I will ask again: What is your final allocation if you catch a good bid on Gold/LTT's. It just for now! You can change it. Can you help us all with the Budd allocation. I'm 81 so I pass. But if your have 20 years to invest let me have it. Last time to ask.
Merry Christmas - target allocation is 35/15/15/35.
A little more prosperity and cash, a little less gold and LTT’s. I think I can follow this allocation without much regret.
modeljc
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Re: Worst investing year ever...

Post by modeljc » Tue Dec 25, 2018 9:04 am

buddtholomew wrote:
Mon Dec 24, 2018 6:05 pm
modeljc wrote:
Mon Dec 24, 2018 5:42 pm
buddtholomew wrote:
Mon Dec 24, 2018 4:23 pm
I’m sticking to the plan and moving from 25/25/15/35 to 35/15/15/35 and am currently 30/17.5/17.5/35.

I TLH Gold and offset gains in SCV (IJS)
I then bought SC Blend (IJR) to move closer to 35%
Definitely have felt the pain in stocks as IJR is down 6% since that purchase.

Basically, sold some gold and put in stocks and LTT’s.
Not that concerned that I missed some gold gains as some went to LTT’s to mitigate.

5% went to stocks with the intent of including more equities going forward. It’s a crapshoot but I feel better having slightly less gold, more stocks and LTT’s.

Still wishing we either see a strong stock recovery or Gold/LTT’s catch a bid. Would like to rebalance from either of these into stocks.
Glad you are still around! I will ask again: What is your final allocation if you catch a good bid on Gold/LTT's. It just for now! You can change it. Can you help us all with the Budd allocation. I'm 81 so I pass. But if your have 20 years to invest let me have it. Last time to ask.
Merry Christmas - target allocation is 35/15/15/35.
A little more prosperity and cash, a little less gold and LTT’s. I think I can follow this allocation without much regret.
Merry Christmas. Thanks If I was a little younger I would go at least 40% prosperity as cash does not return full value a lot of the time.
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buddtholomew
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Re: Worst investing year ever...

Post by buddtholomew » Tue Dec 25, 2018 9:49 am

modeljc wrote:
Tue Dec 25, 2018 9:04 am
buddtholomew wrote:
Mon Dec 24, 2018 6:05 pm
modeljc wrote:
Mon Dec 24, 2018 5:42 pm

Glad you are still around! I will ask again: What is your final allocation if you catch a good bid on Gold/LTT's. It just for now! You can change it. Can you help us all with the Budd allocation. I'm 81 so I pass. But if your have 20 years to invest let me have it. Last time to ask.
Merry Christmas - target allocation is 35/15/15/35.
A little more prosperity and cash, a little less gold and LTT’s. I think I can follow this allocation without much regret.
Merry Christmas. Thanks If I was a little younger I would go at least 40% prosperity as cash does not return full value a lot of the time.
Thanks for the recommendation and I agree.
Will continue to hold a 70/30 equity/bond allocation in retirement accounts.

I am not overly concerned with the high allocation to cash (35%) as it is balanced with 15% in LTT’s for a 5.6 year blended duration (similar to total bond market index).

The question is whether I have the fortitude to rebalance into stocks if they fall further from here to ultimately reach the 35% target allocation (currently 30%). Performance in Gold and/or LTT’s will play a factor in the decision.
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Re: Worst investing year ever...

Post by Smith1776 » Tue Dec 25, 2018 5:30 pm

buddtholomew wrote:
Tue Dec 25, 2018 9:49 am
modeljc wrote:
Tue Dec 25, 2018 9:04 am
buddtholomew wrote:
Mon Dec 24, 2018 6:05 pm


Merry Christmas - target allocation is 35/15/15/35.
A little more prosperity and cash, a little less gold and LTT’s. I think I can follow this allocation without much regret.
Merry Christmas. Thanks If I was a little younger I would go at least 40% prosperity as cash does not return full value a lot of the time.
Thanks for the recommendation and I agree.
Will continue to hold a 70/30 equity/bond allocation in retirement accounts.

I am not overly concerned with the high allocation to cash (35%) as it is balanced with 15% in LTT’s for a 5.6 year blended duration (similar to total bond market index).

The question is whether I have the fortitude to rebalance into stocks if they fall further from here to ultimately reach the 35% target allocation (currently 30%). Performance in Gold and/or LTT’s will play a factor in the decision.
I'm really hoping you stick around the forums, budd! 8)
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Re: Worst investing year ever...

Post by modeljc » Wed Dec 26, 2018 9:31 am

buddtholomew wrote:
Tue Dec 25, 2018 9:49 am
modeljc wrote:
Tue Dec 25, 2018 9:04 am
buddtholomew wrote:
Mon Dec 24, 2018 6:05 pm


Merry Christmas - target allocation is 35/15/15/35.
A little more prosperity and cash, a little less gold and LTT’s. I think I can follow this allocation without much regret.
Merry Christmas. Thanks If I was a little younger I would go at least 40% prosperity as cash does not return full value a lot of the time.
Thanks for the recommendation and I agree.
Will continue to hold a 70/30 equity/bond allocation in retirement accounts.

I am not overly concerned with the high allocation to cash (35%) as it is balanced with 15% in LTT’s for a 5.6 year blended duration (similar to total bond market index).

The question is whether I have the fortitude to rebalance into stocks if they fall further from here to ultimately reach the 35% target allocation (currently 30%). Performance in Gold and/or LTT’s will play a factor in the decision.
I love the 5.6 year Bond duration as I believe that rates and inflation will work higher over the next 10 years. It not that hard to believe 4 or 5% inflation at some point in time. It just a guess but I could sleep very well with that duration.
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buddtholomew
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Re: Worst investing year ever...

Post by buddtholomew » Thu Dec 27, 2018 8:15 am

Stocks down, Gold and LTT’s up at end of pre-market.

Will the day end this way or should we expect to see a reversal with stocks ending up, Gold and LTT’s flat to down? The question to ask yourself...”is this pattern actionable.”

After yesterday’s barn burner, stocks are now about where I feel comfortable 30/17.5/17.5/35. Retirement accounts still 70/30. Done for 2018.
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Re: Worst investing year ever...

Post by dualstow » Thu Dec 27, 2018 8:53 am

A belated Merry Xmas and happy new year to you, Budd.
TLT hit a 52-wk high, or so says an email from Vanguard 📈
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buddtholomew
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Re: Worst investing year ever...

Post by buddtholomew » Thu Dec 27, 2018 9:05 am

dualstow wrote:
Thu Dec 27, 2018 8:53 am
A belated Merry Xmas and happy new year to you, Budd.
Thanks DS, Merry Christmas to all!
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Xan
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Re: Worst investing year ever...

Post by Xan » Thu Dec 27, 2018 9:48 am

dualstow wrote:
Thu Dec 27, 2018 8:53 am
A belated Merry Xmas and happy new year to you, Budd.
It's not belated; Christmas is twelve days long, starting Christmas Day. There's a song about it and everything.
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Re: Worst investing year ever...

Post by Kbg » Thu Dec 27, 2018 10:41 am

buddtholomew wrote:
Thu Dec 27, 2018 8:15 am
Stocks are now about where I feel comfortable 30/17.5/17.5/35. Retirement accounts still 70/30. Done for 2018.
Perfectly sensible allocation but I did notice you mentioned 35/15/15/35 earlier which is also very sensible. Spend some time on portfolio visualizer to see how they differ in performance (I doubt much really) and go with what you feel best with...and then

https://www.youtube.com/watch?v=d-diB65scQU

While I've been picking on you a bit as of late, nothing personal, just felt you needed to make a decision. Have prosperous new year!
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buddtholomew
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Re: Worst investing year ever...

Post by buddtholomew » Thu Dec 27, 2018 11:22 am

Kbg wrote:
Thu Dec 27, 2018 10:41 am
buddtholomew wrote:
Thu Dec 27, 2018 8:15 am
Stocks are now about where I feel comfortable 30/17.5/17.5/35. Retirement accounts still 70/30. Done for 2018.
Perfectly sensible allocation but I did notice you mentioned 35/15/15/35 earlier which is also very sensible. Spend some time on portfolio visualizer to see how they differ in performance (I doubt much really) and go with what you feel best with...and then

https://www.youtube.com/watch?v=d-diB65scQU

While I've been picking on you a bit as of late, nothing personal, just felt you needed to make a decision. Have prosperous new year!
Correct; was on my way to 35/15/15/35 but will stay at 30/17.5/17.5/35 for now. With tighter Gold/LTT’s rebalance bands, my hope is to rebalance out of these assets and move closer towards the 35% stock target. No offense taken Kbg and thanks for the kick in the tochas.
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dualstow
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Re: Worst investing year ever...

Post by dualstow » Thu Dec 27, 2018 11:41 am

Xan wrote:
Thu Dec 27, 2018 9:48 am
dualstow wrote:
Thu Dec 27, 2018 8:53 am
A belated Merry Xmas and happy new year to you, Budd.
It's not belated; Christmas is twelve days long, starting Christmas Day. There's a song about it and everything.
Fair enough. O0 So are you celebrating the other eleven days, beside the partridge and turtledoves and whatnot?
TLT hit a 52-wk high, or so says an email from Vanguard 📈
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