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Message
Year to date percentages and allocation
Posted on 1/4/16 at 11:30 am
Posted on 1/4/16 at 11:30 am
Just looked up where I finished for the year and needless to say like most people I took a good hit.
VGENX = -21%
VDE = -23%
Vanguard 2050 TRF = -1.5%
401k = -2.88%
With the TRF and 401K I am not overly concerned with it because I know it was an all around down year for most people but I will still revisit allocation for 401K yearly as scheduled. But for VGENX and VDE I have some concerns. Right now for my Roth I am about 50/50 in VGENX and my TRF, should I keel this the same since I am still buying low on VGENX, or should I up the allocation on it in hopes it rebounds pretty well? Also for the VDE I bought in multiple times at $110, $100 and $95, which it currently sits at $82. Should I keep buying or stay put on this in hopes it rebounds as well. FYI these are all long term plays, as I have 30+ years until I retire?
VGENX = -21%
VDE = -23%
Vanguard 2050 TRF = -1.5%
401k = -2.88%
With the TRF and 401K I am not overly concerned with it because I know it was an all around down year for most people but I will still revisit allocation for 401K yearly as scheduled. But for VGENX and VDE I have some concerns. Right now for my Roth I am about 50/50 in VGENX and my TRF, should I keel this the same since I am still buying low on VGENX, or should I up the allocation on it in hopes it rebounds pretty well? Also for the VDE I bought in multiple times at $110, $100 and $95, which it currently sits at $82. Should I keep buying or stay put on this in hopes it rebounds as well. FYI these are all long term plays, as I have 30+ years until I retire?
3
Posted on 1/4/16 at 4:28 pm to TigerSaint1
Not a single response or opinion? Any advice would be greatly appreciated.
Posted on 1/5/16 at 6:31 am to TigerSaint1
Given these are both long term plays, I'd just keep the status quo and continuing to dollar cost average while they are down. I wouldn't up contributions to them, as it looks like it's going to be a slow recovery up for energy, but I wouldn't move out of the funds now either.
Disclaimer: I currently own both in my Roth.
Disclaimer: I currently own both in my Roth.
Posted on 1/5/16 at 8:47 am to Htown Tiger
Thanks for the response.
Posted on 1/5/16 at 10:56 am to TigerSaint1
I took a big hit in vgenx too. Don't care, in fact want it to drop even more. I'm still buying. I still think oils settles in the low 30s, but rebounds pretty sharply after that.
Posted on 1/5/16 at 4:12 pm to TigerSaint1
From 1000 feet, it looks like you're overweight energy = too many eggs in one basket. Have you considered being a bit more diversified?
Posted on 1/5/16 at 4:28 pm to Jag_Warrior
Anyone have any thoughts on VQNPX and VMRGX?
Posted on 1/6/16 at 11:44 am to Jag_Warrior
Probably more like 75/25 (25% being Energy). My 401K has no Energy Funds, and my IRA is being split 50/50, so I can buy on the way down. As/When oil rises and as do the funds I will reallocate contributions and become less energy sector heavy.
Posted on 1/6/16 at 12:31 pm to CHiPs25
quote:
Anyone have any thoughts on VQNPX and VMRGX?
A thumbsup on VQNPX (though the lower cost Admiral shares would better from an investor expense standpoint: VGIAX). I don't know enough about VMRGX to offer an opinion.
Posted on 1/6/16 at 12:40 pm to TigerSaint1
You have a long time to go. So as you dollar cost average your positions over time, I think you'll be fine. Right now, you have some pretty heavy energy sector exposure, so your portfolio is getting whip-sawed because of the recent volatility. But as you rebalance your contributions in the future, that will help to even things out.
Now, if oil takes off at some point, that might cause you to once again be overweight energy. Periodically rebalancing is just something that you have to do to avoid being overweight in a security or a sector.
Good luck.
Now, if oil takes off at some point, that might cause you to once again be overweight energy. Periodically rebalancing is just something that you have to do to avoid being overweight in a security or a sector.
Good luck.
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