Re: 3 alarm funds?
Another suggestion you might want to consider...Instead of having two different funds for small-caps you could go with a small-cap blend index and combine them. You could also do the same with the large-caps and consolidate those two into an S&P 500 index.
If you were to put the 10% you had in the stock annunity into the int'l index and kept the 30% bond allocation and everthing else the same, you would have 20% int'l, 27% small-cap and 17% mid-cap exposure.
Then, if you were to combine the two small-caps into a small-cap blend index and just have that be 10% and put the other 10% in an S&P 500 index you would still have 20% int'l and 17% mid-cap but knock down the small-caps to 14% which might be a better fit for you if you would want a little less volatility. It would look like this with using all indexes...
10% large cap value
10% large cap growth
10% S&P 500
10% small cap blend
20% int'l
10% real estate
30% bond
Again, if you didn't want to hold all of that you could combine the large-caps into the S&P and get a blend that way. Holding all three would cause a lot of duplicate holdings but if you like it that way that's fine.
Another suggestion you might want to consider...Instead of having two different funds for small-caps you could go with a small-cap blend index and combine them. You could also do the same with the large-caps and consolidate those two into an S&P 500 index.
If you were to put the 10% you had in the stock annunity into the int'l index and kept the 30% bond allocation and everthing else the same, you would have 20% int'l, 27% small-cap and 17% mid-cap exposure.
Then, if you were to combine the two small-caps into a small-cap blend index and just have that be 10% and put the other 10% in an S&P 500 index you would still have 20% int'l and 17% mid-cap but knock down the small-caps to 14% which might be a better fit for you if you would want a little less volatility. It would look like this with using all indexes...
10% large cap value
10% large cap growth
10% S&P 500
10% small cap blend
20% int'l
10% real estate
30% bond
Again, if you didn't want to hold all of that you could combine the large-caps into the S&P and get a blend that way. Holding all three would cause a lot of duplicate holdings but if you like it that way that's fine.
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