Comments on: Another Vote For Asset Allocation http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html personal finance blog with anecdotes, advice and commentary. Sat, 21 Nov 2009 22:47:06 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: dong http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html/comment-page-1#comment-92254 dong Mon, 30 Apr 2007 14:44:11 +0000 http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html#comment-92254 I actually find easier to invest when the market is trailing down. I realize it's slightly irrational, but given my relatively long time frame, I like buying into market that I hope at least temporarily getting cheaper. That's one great thing about 401ks and such - set it and forget it. I rebalance every so often, but otherwise don't worry about where the market is. My other accounts, I struggle more with how to invest, and as result often sit on more cash in a up market then a down market. I actually find easier to invest when the market is trailing down. I realize it’s slightly irrational, but given my relatively long time frame, I like buying into market that I hope at least temporarily getting cheaper. That’s one great thing about 401ks and such – set it and forget it. I rebalance every so often, but otherwise don’t worry about where the market is. My other accounts, I struggle more with how to invest, and as result often sit on more cash in a up market then a down market.

]]> By: theWizard http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html/comment-page-1#comment-92229 theWizard Mon, 30 Apr 2007 01:54:56 +0000 http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html#comment-92229 I agree with your risk tollerance approach. I also go with an agressive approach on my investiments due to 30+ years until retirement. I did ride through the 2000-2002 period you mentioned and lots of folks were complaning, taking their portfolio more conservative, and even selling stocks. It is hard when you add money to your 401k every month and the balance keeps going down. Some said they were throwing money down a hole and stopped, but I did not. You have to be willing to take the good with the bad in the early years and maybe get a little more conservative just before retirement. Cheers I agree with your risk tollerance approach. I also go with an agressive approach on my investiments due to 30+ years until retirement.

I did ride through the 2000-2002 period you mentioned and lots of folks were complaning, taking their portfolio more conservative, and even selling stocks.

It is hard when you add money to your 401k every month and the balance keeps going down. Some said they were throwing money down a hole and stopped, but I did not.

You have to be willing to take the good with the bad in the early years and maybe get a little more conservative just before retirement.

Cheers

]]> By: Michelle Hope http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html/comment-page-1#comment-92214 Michelle Hope Sun, 29 Apr 2007 19:37:01 +0000 http://www.bargaineering.com/articles/another-vote-for-asset-allocation.html#comment-92214 You should include your cash allocation with bonds, such as saying "bonds/cash." Right now I have no bonds, but I've got 23% (too much, I know) in cash/CDs. What about you? You should include your cash allocation with bonds, such as saying “bonds/cash.” Right now I have no bonds, but I’ve got 23% (too much, I know) in cash/CDs. What about you?

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