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These days we rebalance when the opportunities present themselves. It is more than quarterly as we have done in the past. For example: 1. Precious metals and mining stocks lost 5% on Monday, Dec 29, 2025. Picked up few shares of SLVR and GDX to increase the alternative bucket. Congrat to @Old_Joe who made similar move. 2. Sold some VOO and bought EM mid-cap value funds. Goal is to shift US equity more to oversea that have more attractive valuation. 3. Sold some PRWCX and bought international value funds. Same reason as #2. 4. Increase oversea bond allocation using DODLX and NRDCX as $38 trillion national debt and $950 billion annual interest worry us. Also the dollar lost ~10% versus other major currencies in 2025. Will the deficit improved in 2026? Will trim US bonds to half when signs of the FED losing their independence. 5. Maintaining 5-10% in cash and cash equivalent as we approach retirement.
As i mentioned previously, our annual gain is modest with our globally diversified and conservative portfolio, and that is good enough for us. Risk mitigation remains our main goal, especially in this chaotic year.
Like @hank bucket approach and the naming nomenclature.
Comments
1. Precious metals and mining stocks lost 5% on Monday, Dec 29, 2025. Picked up few shares of SLVR and GDX to increase the alternative bucket. Congrat to @Old_Joe who made similar move.
2. Sold some VOO and bought EM mid-cap value funds. Goal is to shift US equity more to oversea that have more attractive valuation.
3. Sold some PRWCX and bought international value funds. Same reason as #2.
4. Increase oversea bond allocation using DODLX and NRDCX as $38 trillion national debt and $950 billion annual interest worry us. Also the dollar lost ~10% versus other major currencies in 2025. Will the deficit improved in 2026? Will trim US bonds to half when signs of the FED losing their independence.
5. Maintaining 5-10% in cash and cash equivalent as we approach retirement.
As i mentioned previously, our annual gain is modest with our globally diversified and conservative portfolio, and that is good enough for us. Risk mitigation remains our main goal, especially in this chaotic year.
Like @hank bucket approach and the naming nomenclature.