How often do you make contributions to your portfolio?

How are you allocating those $10k amounts relative to your AA? My issue is that I often have limited space in my tax-protected accounts--and in turn the amount of bonds I can buy--so if making periodic $10k contributions, I will consistently end up out of alignment by purchasing equities everytime.

In that case, my rebalancing will be due in large part to the contributions each year, as opposed to market fluctuations. Would that even matter?

I'm referring to bond funds, Total Bond Market Index

Ideally, I would make regular contributions and allocate the new funds with respect to my desired AA.

However, I have limited space in protected accounts (Roth), so once that's filled, I would be making regular contributions that are equities, and have a portfolio that is consistently out of balance because of this.

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I'm in frustrating situation- my damn 401k was contribution maxed out to $24000. My income level doesn't allow a Roth contribution- thoughts? Married/jointly 53 y/o

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backdoor roth.

sucks to have a high income. I really would like to see them raise the income limits on roth. its far too low IMHO.

backdoor roth?

Bi weekly to 401k otherwise just whenever I have enough in savings I'm comfortable with gambling on

I contribute to my Roth IRA and 401k bimonthly. I contribute to my taxable account once a month (did the taxable account for a year and took a break for the past 2. Resumed contributions last fall). I've been investing for 5 years now and have re-balanced only once, which was end of 2015. I plan to reevaluate my holdings this year at some point.

//PSA: I am not an expert with financials, but I do understand the rule to pay myself first.

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Gorilla Ball

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I visited my advisor today to fill out the paperwork for my backdoor Roth. This will be my second year to do so. Basically you contribute $5500 to a traditional IRA. Once those funds are settled, your broker moves the funds to a Roth. You don't claim the $5500 as a deduction on your 1040, and you also have to sign a Form 8606 and send in with your tax return. It's pretty painless, I was clueless about the whole thing up until last year. Last year I had actually bought into a Mutual Fund inside the Traditional and in the 3 days it took for the money to move to the Roth, it actually lost about $20, so I didn't have to pay any additional taxes. This year I will leave the full $5500 in cash in the traditional and invest it once it hits the Roth.

It's a pretty common practice these days and a really ridiculous set of hoops to jump through. But that's government.

Every paycheck