I do it yearly prior to writing my investment policy statement but admit I too eyeball it quarterly to monitor for any marked changes. I am retiring this year at 66 thus assessing periodically makes me feel better.
I was also pleasantly surprised by my 10 year return after reading the Morningstar article. Despite having a very balanced portfolio my 10 year return is 7.6%. I keep a relatively fixed portfolio of index funds in my 70:30, 70:30, 70:30 portfolio. 70% equities 30% bonds; 70% US, 30% International; 70 total market and 30% value, small cap.
I only rebalance once yearly and never "sell" a position. I only rebalance with dividends, interest, or new money. With end of the year giving, I may "sell" a position by transferring shares FIFO to my Vanguard Charitable Fund and then use new money to replace what was sold to rebalance appropriately.
Comments:
I do it yearly prior to writing my investment policy statement but admit I too eyeball it quarterly to monitor for any marked changes. I am retiring this year at 66 thus assessing periodically makes me feel better.
Post: How Often Do You Calculate Your Net Worth And Why
Link to comment from November 29, 2024
I was also pleasantly surprised by my 10 year return after reading the Morningstar article. Despite having a very balanced portfolio my 10 year return is 7.6%. I keep a relatively fixed portfolio of index funds in my 70:30, 70:30, 70:30 portfolio. 70% equities 30% bonds; 70% US, 30% International; 70 total market and 30% value, small cap. I only rebalance once yearly and never "sell" a position. I only rebalance with dividends, interest, or new money. With end of the year giving, I may "sell" a position by transferring shares FIFO to my Vanguard Charitable Fund and then use new money to replace what was sold to rebalance appropriately.
Post: What is The 10 Year Return on Your Portfolio?
Link to comment from November 27, 2024