Personal Investments • Was too conservative at 50/50. How to transition back to 80/20?

Also, any thoughts on return to mean? Does that justify holding on to my 50/50 allocation and waiting for a swoop?

I don't think about return to the mean at all. It has nothing to do with how I invest. It certainly does not mean to wait for a dip.

I'm maxing out two retirement accounts (403b and 457b), plus employer's 401a contribution, so not too worried about the saving rate. Because of my secure job, I have a growing feeling of missing out on opportunities.

Your job security and ability to save a lot also means you have no need to take risk. What's the point of taking risk you don't need to achieve your goal, especially if you are not comfortable doing it?

Again, I suggest moving toward more stocks 5% at a time. Chances are you will know when you are about to leave your comfort zone and you can stop at that point. There is no need for you to get to 80:20. You can still have plenty of money at a much lower AA.

Statistics: Posted by retiredjg — Wed Jun 26, 2024 7:10 am — Replies 60 — Views 3195

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