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So a couple of the recent threads about Roth IRA's reminded me about rounding out my own for this year... but only about a week too late! I just discovered that I'm not going to be able to max my Roth this year! I'm a measly $.08 off, and I'm not allowed to contribute less than $50! 
hahaha I meant to round up my final semi-monthly buy to cover whatever was left of the allowed $5,000, but duly forgot about it. Lesson learned: I guess totally automatic investing can come back to bite you sometimes... Well, I ran some quick figures, and by not adding that 8 cents, I'm losing out on about $1.20 (today's dollars) come 40 years from now. So much for that extra scoop of ice cream on my 65th birthday... 
Sorry for the meaningless new thread, just figured I'd laugh about it.
In related news, I jumped the gun a bit, and went ahead and rebalanced my taxable investment account right now since I was checking on my Roth anyway. So just as a way to make this thread even remotely worthwhile, I'll ask this:
How do you all prefer to rebalance your investments (or do you do it at all)?
Personally, I add new, non-invested cash to even out the laggards and bring my portfolio back in line with my preferred asset allocation. I normally accumulate an additional (and unnecessary) padding in my EF come year's end (I haven't needed to tap it, yet I continue to add slowly to it), so I use that extra to do my rebalancing. For now, that works, since my investments are still under $50k, and the swing isn't a very large dollar amount. As time goes on and I accumulate more, though, I'll likely have to actually pull cash from other sources in order to rebalance. Oh well, I think that's probably a good conundrum to find oneself involved with...
hahaha I meant to round up my final semi-monthly buy to cover whatever was left of the allowed $5,000, but duly forgot about it. Lesson learned: I guess totally automatic investing can come back to bite you sometimes... Well, I ran some quick figures, and by not adding that 8 cents, I'm losing out on about $1.20 (today's dollars) come 40 years from now. So much for that extra scoop of ice cream on my 65th birthday... Sorry for the meaningless new thread, just figured I'd laugh about it.
In related news, I jumped the gun a bit, and went ahead and rebalanced my taxable investment account right now since I was checking on my Roth anyway. So just as a way to make this thread even remotely worthwhile, I'll ask this:
How do you all prefer to rebalance your investments (or do you do it at all)?
Personally, I add new, non-invested cash to even out the laggards and bring my portfolio back in line with my preferred asset allocation. I normally accumulate an additional (and unnecessary) padding in my EF come year's end (I haven't needed to tap it, yet I continue to add slowly to it), so I use that extra to do my rebalancing. For now, that works, since my investments are still under $50k, and the swing isn't a very large dollar amount. As time goes on and I accumulate more, though, I'll likely have to actually pull cash from other sources in order to rebalance. Oh well, I think that's probably a good conundrum to find oneself involved with...
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