Personal Investments • rebalancing in retirement

Hi, this group has been so helpful

I am retiring in six months. I learned about bogleheads this year and love and plan on going to next year's conference in Texas where I live.

Funds are in four items now: VT, VOO, BND and Tbills

Taxable = 70/30
Deferred = 40/60
Tax-free = 80/20

Overall is 60/40

47% US Stocks
13% Int Stocks
15% Bonds (BND)
25% Tbills

Does that allocation look ok for retirement ?

My real question is tied to how often should I rebalance ?

With online tools it is so easy to constantly move things around but I want to do what is right and ideal.


Does it hurt to rebalance to often ?

is there a sweet spot on when to rebalance ?

We have enough that we could even go lower then 60-40 but with risk tolerance and thinking ahead to inheritance and charity it seems right for us.

It seems to easy with online to constantly adjust it but I prefer to do what is considered the ideal way to rebalance.

Thank you

Statistics: Posted by retirewithjoy — Tue Dec 31, 2024 12:55 pm — Replies 0 — Views 8

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