I can see why you like that AA. Not bad at all!Cortopassi wrote: Been playing all night with Tyler's calculators (put a donate button up, I WILL donate!), and this 17/17/16/25/25 TSM/SCV/EM/LTT/Gold really is shining for me. I like the additional risk/reward of the stock split, while keeping my gold level to where I really like it (20-25%)
The only thing that is obvious in all these mixes is that there is no money market/cash component. I need to mentally adjust for that, and just separate out a rainy day cash reserve separate from this.
I think Jan 1 I will start rebalancing to this allocation. I also am open to thoughts. I have no specific loyalty to the PP, it is still better than what I was doing, and this setup allows a lot of my current holdings to remain similar without having to trade out.
Personally, I would first recommend to stay unquestionably loyal the PP. Now that I've gotten that out of the way...
Even if you don't want to keep 25% cash, I still really like the general advice to keep a minimum of one year of expenses in cash. Or maybe find a middle ground you're comfortable with. Good money management is about a lot more than squeezing the last tenth of a percent out of your returns.
BTW, I do like your plan to sleep on it until January. Swapping funds impulsively is kinda like a one-night-stand. Seems great and exciting at first, but sometimes you wake up the next morning and wonder what the hell you've done, with a clingy stranger now in your home rearranging the furniture and sizing up the curtains.