Gyroscopic Investing

Ignoring any VP, and simply discussing your PP, if you have one, what is your currently 4 way split? Mine got to the way it is because of unique circumstances involved in how I invest, which I find acceptable as long as I don't exceed the 15%/35% bands. I'm currently at:

26% Cash
26% Bonds
31% Stocks
17% Gold

I put the month/year in the title so that if this turns out to be an interesting idea, we can post one at the end of every month or quarter. Perhaps discuss how you got to where you were if there's interesting circumstances.

Stocks - 23.20%
Bonds - 25.90%
Gold - 21.95%
Cash - 28.95%

I follow a "buy the lagging assets with cash" approach, so I'll be evening this out a bit fairly soon.

SPY - 26%
GLD - 23%
TLT - 25%
CASH - 24%

Planning to rebalance all assets to 25% at EOY with new contributions. On the other hand, may contribute to CASH and wait for an asset to reach 15% before re-balancing. Not sure which approach is optimal.

I recently got a pp with a equal 25% split. I believe I should  instead have 31.5 SHY, 19.75EDV,28.75VTI and 20GLD since some gains are high and some low. A 2 yr Yahoo chart shows a 2% gain for shy,50EDV,15VTI and 49GLD for an avg ~29%. Therefor
SHY should be increased 27%,EDV-21%,VTI+15%and GLD -20%.
If you bought 2 yrs ago and rebalanced today you would have to make the above adjustments to get back to an equal split.

Stocks - 31%
Bonds  - 25%
Cash    - 18%
Gold    - 26%

I'm currently saving into cash until I hit 15/35 bands.

foglifter wrote: Stocks - 31%
Bonds  - 25%
Cash    - 18%
Gold    - 26%

I'm currently saving into cash until I hit 15/35 bands.

Saving to cash with your current split makes complete sense as you are under-invested in that area. Would you still contribute to cash under these circumstances or rebalance to 4x25%?:

SPY - 26%
GLD - 23%
TLT - 25%
CASH - 24%

buddtholomew wrote:

foglifter wrote: Stocks - 31%
Bonds  - 25%
Cash    - 18%
Gold    - 26%

I'm currently saving into cash until I hit 15/35 bands.

Saving to cash with your current split makes complete sense as you are under-invested in that area. Would you still contribute to cash under these circumstances or rebalance to 4x25%?:

SPY - 26%
GLD - 23%
TLT - 25%
CASH - 24%

I would probably add a bit more money into stocks and keep accumulating the rest. I try to avoid market-timing, although I do keep in mind current trends when deciding where to add more money. But your numbers are very far from the rebalancing bands so I wouldn't push for getting back to 4x25% in this case.

My Permanent Portfolio

~ $10,000 in SHY
~ $10,000 in TLT
~ $10,000 in GLD
~ $10,000 in VTI

My Variable Portfolio

~ $5,000 in NEM
~ $5,000 in INTC
~ $5,000 in MSFT
~ $5,000 in CAT
~ $5,000 in LMT
~ $5,000 in COP
~ $5,000 in JPM
~ $5,000 in GE