I'm just wondering how much equity members are carrying. Have you increased your equity weighting recently or are you holding to set percentages? Or are you decreasing?
Under 20%
21-30%
31-40%
41-50%
51-60%
61-70%
71-80%
81-90%
100%
I'm just wondering how much equity members are carrying. Have you increased your equity weighting recently or are you holding to set percentages? Or are you decreasing?
My equity allocation is 75%. Currently I'm at about 72%. I'm definitely looking to rebalance up to 75% and will go above that if the markets fall enough.
Mike Holman
Money Smarts Blog Investing and Personal Finance
I'm assuming you're referring to what % of my investments are in equities (as opposed to what percentage of my assets are financed by equity).
Investments:
Equity - 65%
Real estate - 34%
Cash - 1%
I have no targets and don't rebalance.
Personal balance sheet:
Debt - 49%
Equity - 51%
I'm about 60% equities and have 10% in cash waiting to be invested shortly, if the market keeps tanking I'll pull out another 10%. The last crash I bought too early and had no $ for when the real sale started.
90% in the portfolio including reits but not including home.
Zero debt.
I rebalance often, possibly too much, but it's cost free to rebalance the way I've set it up.
I went 100% equity too early too in 2008, won't do that again, but might go lower than 90% if we have a major run up.
Mike Holman
Money Smarts Blog Investing and Personal Finance
Sorry to confuse you Four Pillars.
"pull out another 10% from fixed and put into equities"
I'm currently at 61% equities. I'd like to raise that to 70-75% by the fall. Possibly 75-80% by year end. I have a hard time sitting on cash and as a result locked a bunch of cash into fixed income so I don't get too trigger happy. I will be moving those to equities as they come due over the remainder of the year. Good thread idea. It's something I've been pondering. Of course the allocations will vary by investor's risk tolerance and place in their investment life cycle. I have about 30 more years of accumulation which is why I would like to get that allocation up to 80%. I don't do a traditional re-balance (hate the extra commissions even at $4.95 a trade I can't justify it). I re-balance by stock, sector or asset with new money. As a result it can be a little more difficult as positions can get a little out of whack from what most investors consider the maximum amount to place in any one position or sector.A huge example of these are IPL.UN and CHE.UN which make a combined 17% of my positions right now.
21% -cash
79% -equities
I'm only 26, so I would be comfortable moving 100% into equities if the market had a severe correction
of my invested money I'm close to 75% equity across all types of accounts (TFSA/RRSP/non reg)