Had my 401k in all VINIX last year, and it served me well. I rebalanced to 20% large cap, 20% mid cap, 20% small cap, 20% Int’l, and 20% bonds. The Int’l diversification is pulling me down significantly. Would you shift that 20% back to large cap or just say it will payoff later to diversify? My IRA is pretty tech heavy, so trying to be mindful.

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Don’t micromanage. Short-term returns are essentially random and even long-term returns don’t predict future performance.

Having an international allocation is very important. Keep it and don’t worry about the returns for a while.

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Just make a plan and stick with it. Don’t change based on recent performance. I have an allocation to international and believe it offers diversification.

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What CoS1 and EY1 said. For long term investing the allocation is important because it spreads your risk out. Here and there (especially in weird unpredictable markets) you might end up light in things that shoot up, or heavy in things that drag, but shifting your allocation around to chase a return will hurt you in the long run because you can’t possibly time everything right.

Set it and forget it. Review it once or twice a year to rebalance for drift or if you see a similar fund/etf that performs consistently better than one you’re in, etc. but otherwise it’s not meant to be a trading account.

Across all of my portfolio (IRAs and 401k) I generally maintain 30% large cap, 20% mid cap, 15% sm cap, 15% intl equities, 15% US bonds, 5% intl bonds. It’s served me pretty well.

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Importantly, rebalance for drifts in allocation, not to chase performance. That means you’ll be selling the winners and buying the losers. It’s counterintuitive for many people but that rebalancing can actually enhance returns.

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Rebalance and buy more international

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What efts did you use for each allocation?

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Best options for a 30 year fixed rate mortgage at a small bank in MA.

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Going back to school this fall to get my MBA. I want to bring a car to school but don’t have one now. (Don’t need one where I live.) Would you recommend a short-term lease? Buy something used? I need something that will be OK driving in the snow but nothing fancy and obviously don’t want to spend a ton. TIA!

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Why is everyone shilling AVAX right now?

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At what point does an unpaid bill impact your credit score?
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Hello all, I am a healthcare professional, working in learning and development team, in a firm working for US healthcare Providers. I would like to get into Compliance roles. Is there any course/certifications that i can do, so i can work in healthcare compliance.
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The housing market is not going to crash simply because interest rates are rising. This will on temper demand, and slow the price appreciation of homes. Yes some markets will see price declines, but this will not be a repeat of 07/08. Market fundamentals, and basic lending practices are much different than they were back then.

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Does anyone pass the merchant/credit card fees to their clients when the client pays online?

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Can etherium reach bitcoin valuation?

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Capgemini What documents do I need to upload to claim HRA deduction ? I stay with my parents.

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Is anyone investing in mobile home parks or self-storage facilities?

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*Any one looking for a flatmate?*

*Area: Mahadevapura, Hoodi (can be flexible if the place & people are awesome)

*Rent: Flexible (can pay whatever if the place is furnished) (not whatever whatever but reasonable whatever)

*When i can move: NOW

*About myself: Working in healthcare sec as Product designer, drinks vaarry rarely, smokes little too often, cleans up everything don't like mess, cooks "finger lickin good" food and can't live alone (ghosts problem).

Please DM for further questions.

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How will you be spending your increased TFSA contribution limit ($6000) ?

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Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

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Any tips on lateraling to a totally different practice area?

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Happy hour for Desi but distressed and overly happy souls this evening at 6:00 pm EST, 05/01/2020. Meeting invite below

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There are a lot of people using the terms baseless, without merit, and unfounded to describe Trump’s voter fraud claims from the 2020 election. This concerns me because I don’t think people have come to that conclusion using reason. The media just keeps repeating it with he said she said quotes, and people believe it. I have already covered illegal votes from postal in GA in another thread. Now I will expose GA’s Sec of State for his incompetence. (Cont)

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Apparently Majority Taylor Green texted the chief of staff to initiate "Marshall Law" after the election results.

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Does Cognizant try to retain employees by matching or coming close to offer in hand of an employee who resigned

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Hii guys..

Who else is joining on 8th August in
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Any creatives follow this bowl? If so, what is your opinion on sales reps sharing new director/vendor work with you? A warm welcome or a complete annoyance?

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COINDCX ANY ONE

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Happy Friday wrist check

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Additional Posts in Personal Investment Chatter

In prior years, I dropped 6K into my Roth IRA at beginning of year to call it a day. I can no longer contribute to Roth. I have a traditional IRA but haven’t put any money in yet. Can I put it in into Trad IRA and then immediately rollover into Roth, or do I need to wait for something? Thanks!

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