21 May 2007

My asset allocation

I've danced around it a bit, partly because I knew I had more changes to make, but I think it's time to go ahead and post my allocation. Silicon Valley Blogger over at The Digerati Life has put up a second post highlighting some bloggers' asset allocations, so I figure this is a good time to share mine as well. I've struggled with this a lot, and am only 90% settled on this as a long-term allocation strategy. Specifically I am still deciding how much I want invested in the international markets.

Keep in mind, this does not include my emergency cash reserve (about 3 months' expenses)-- this is my retirement/investment portfolio. I got these images as screen captures from Vanguard, where I keep up with all of my accounts.

So as you can see, I'm 99.9% in stocks (all in mutual funds with an overall expense ratio of 0.72%) with the 0.1% being unused cash in my brokerage account. My domestic stocks are tilted towards value with an increased position in small cap stocks to help maximize long-term growth.

The value tilt isn't a trend thing. While it's important to have some balance, as growth stocks have outperformed value before, value, over the long haul, has had better returns with less volatility along the way. I will probably keep a significant value tilt in my portfolio unless something makes it less reasonable to do so.

As I said before, I'm considering increasing my position in foreign stocks (perhaps to 30%), but I'll probably do so gradually with increased contributions in my retirement accounts. I briefly had some 10% in bonds, but my research last week convinced me that now was not a good time for me to put my money there; not even a small percentage. So for awhile I will be invested nearly 100% in stocks, ready to ride the peaks and valleys to (hopefully) high returns down the road.

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