Couple of things...
20% holdings in Cash ('G Fund') burning a hole in my pocket and cushioning the wild spending spree of the Federal Government.
20% holdings in bonds ('F Fund') look very frothy, but science tells me to keep close to that allocation.
And, I have got to stop allowing aged lawyers to influence my allocation. So, let us move to a more normal allocation:
G: 0%
F: 20% - Over-allocated to provide cushioning
C: 45% - Over-allocated to provide cushioning
S: 18% - A little under-allocated to provide a bit to 'C'
I: 17% - A little over-allocated because their debt issues blow up at a different time than ours
Expected Annual Return: 6%
Expected Risk: 9%
Basically, this sits closest to my normal allocation of 12/22/39/15/12, but twisting away from Assets Collateralized by the Feds (G) and frothy Treasuries (F) and toward equities. The average annual return and risk is identical to my Aggressive allocation, but I expect to restructure again in January. Thus, I am setting up for a 'free' IFT
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