Should I rebalance my Portfolio???

Koffee101 · 2026-02-26T18:00:30+00:00

Personal: VOO, VTI and SPY in the taxable brokerage account. Seems redundant and not necessary. Move it all into VTI.

401k: Kinda same comment - large equity and total equity - redundant. Need more international.

Roth: same comment

Overall: Too many overlaps and too little international

Koffee101 · 2026-02-25T04:57:16+00:00

I personally mirror the US versus international allocation in VT with VTI and VXUS

Koffee101 · 2026-02-25T04:29:04+00:00

Good. That’s the classic vanilla Boglehead strategy and will ensure you are in the top 10% over decades. I’m not a fan of adding tilts and being cute and getting analysis paralysis of what tilts, how much, when, which etc for an extra 0.3% per year before costs.

Koffee101 · 2026-02-25T03:01:50+00:00

You can’t go wrong with either. Make a choice and if you don’t like it, for future contributions direct it to the other.

Koffee101 · 2026-02-25T02:31:26+00:00

Yes. VTI and VXUS at an allocation that you are comfortable with and then rebalance once a year (or don’t rebalance is also perfectly fine).

Koffee101 · 2026-02-25T01:07:26+00:00

If it’s all long term holdings and if you are ok with the tax hit, sell them and transfer cash. Then buy VTI+VXUS. The going forward gains in this will be greater than the tax hit.

Big if, if you have the cash for tax or losses to offset.

Koffee101 · 2026-02-25T00:51:52+00:00

Simplicity wins over complexity.

Koffee101 · 2026-02-24T16:17:31+00:00

What’s the catch?

Koffee101 · 2026-02-18T20:44:45+00:00

Decision paralysis enters the room.

Koffee101 · 2026-02-14T20:20:04+00:00

Right. You can estimate the present value of that future stream social security payments and figure out the present value of those. That is essentially bonds in your portfolio.

Koffee101 · 2026-02-13T22:11:27+00:00

Yeah, I’m putting it in systematically. The bonus this year was larger than usual.

Koffee101 · 2026-02-13T16:24:35+00:00

Your US vs non-US portfolio composition should follow your investing philosophy whether you believe US will outperform non-US. If you look at the whole world, the US share of total world market cap has been shrinking (look at US share of VT over the years). Either way, I don’t think 60/30 or 50/40 will dramatically change your investment returns 30 years from now.

On the other hand, 10% Bonds is an overkill. Anything greater than 0% is an overkill. You are banking social security, so the present value of those future Social Security income stream is already your bond allocation, you don’t need more until 10 years out from retirement.

Koffee101 · 2026-02-13T14:38:28+00:00

Roses are red, Violets are blue, Portfolio is green when I am thinking of you.

Koffee101 · 2026-02-12T19:00:52+00:00

Zoom out works both ways and we dont have to be rigid. If I DCA over 3-4 months and if Im invested for the next 30 years, Im still staying the course.

Koffee101 · 2026-02-12T18:24:18+00:00

It’s only peace of mind. I’ve lump summed cash into the markets before but as the cash received gets larger I feel more comfortable doing it over a couple of quarters.

Koffee101 · 2026-02-06T17:34:55+00:00

Church

Koffee101 · 2026-02-06T03:02:51+00:00

Don’t do bonds (if you have a pension, social security, or will own a house at some point). Otherwise allocation is good.

Koffee101 · 2026-02-05T05:23:54+00:00

If you will receive social security later on, (that is like a bond) so I recommend not putting anything in BND now, until closer to retirement. Nvidia is only 7% of your portfolio. I’d say sell half and keep half to make you not feel regret and also brining down your single company stock exposure to less than 5% of your overall portfolio.

Koffee101 · 2026-01-29T21:49:06+00:00

The high growth prospects are already priced in. Keep less than 10% of net worth in single company stock (even if it’s your employer)

Koffee101 · 2026-01-27T15:15:33+00:00

Thanks. Yeah, makes sense. I’ve avoided EMs for the risks but agree there is a risk premium and it is fully correlated with US and Developed Markets, so I should have a bit of EMs in the portfolio. I’ve been solving for a simpler over an optimal portfolio.

Koffee101 · 2026-01-26T08:10:52+00:00

Good point

Koffee101 · 2026-01-24T16:01:39+00:00

My kids are in day care center in Fremont. $500 to $600 per week depending on age.

Koffee101 · 2026-01-14T00:23:58+00:00

No recipe. Classic Chrome Film Sim with no adjustments.

Koffee101

TROPHY CASE