Thread: Should I Move?

Monique,

If you are buy and hold investor with a lengthy time horizon, e.g. 30 years,the"rule of thumb" is 10-20% bonds and the rest in stocks.I just purchased a Vanguard 2045 fund for myrecent college gradand it allocates 10% to bonds, 90% to stocks. On the other hand, if you're getting ready to retire, 40-50% bonds (or more) is a frequent recommendation.

On thestock side, many experts recommend 25-33%foreign (I Fund). Finally, for domestic stocks, the recommendation is often 60% large caps (C Fund) and 40% small cap (S Fund).

For example, a fairlyaggessive buy and hold portfolio might look as follows:10% G Fund, 10% F Fund, 36% C Fund, 24% S Fund, and 20% I Fund

If your question is really, will stocks go up in the short term, e.g. between now and the end of the year - I don't have a clue - andneither does anyone else!

Monique wrote:

Any advice on me moving some of my G into C, S or I at this time? I have 23- G,

55-C, 14-S, 7-I. THANKS!

You're one of the smart ones who wasn't fully invested in stocks for the last month and a half and you want our advice? I should be asking you!

The market is oversold, so long-term, it's a good time to buy.

Be very cautious about the short-term though. Some of us have been taking a severe beating for the last month. :shock:

Moving to I??

The dollar seemed mixed today, up vs. the pound, down against the euro. Waiting.

What my question really is...should I put more into C from my G with the C fund being down. I have been watching :shock:these message boards for the last few months and when it comes to making a move I get a little nervous. I guess you could say I am not much of a gambler! Long term would most likely would be the path I would take.

If you're in for the long term, you're not going to make much sitting on the sidelines in "G".

Bear in mind, the C fund is only downfor the short term. It's going to have a very attractive gain for tomorrow. Then WHO KNOWS what it will do???

Also keep in mind "dollar cost averaging". Yeah, you will have your ups and downs, but you should make out ahead in the long run.

Anyways, what ISyour long term???

How many years are we talking???

Monique wrote:

What my question really is...should I put more into C from my G with the C fund being down. I have been watching :shock:these message boards for the last few months and when it comes to making a move I get a little nervous. I guess you could say I am not much of a gambler! Long term would most likely would be the path I would take.

My advice, for what it's worth, would be to add to the C and S funds on any weakness over the next few weeks.

Tom

Monique wrote:

I guess you could say I am not much of a gambler!

Nor should you be.

I concur with Tom...add over the next few weeks or more....this is likely a temporary weakness, but watch out for bears.

Thanks guys..will do!

Been in C, S and I, for about 18 months. Lately taking a beating while contributing more $$$.

On 8/6 I began using "100 day moving averages". In last 5trading days I lost $0. I am 35% G and 65% F. With equal amounts in C, S, and I, I would have lost about .35%; a lot for five days.

TheI fund looks to bethe worst. For now this aggressive investor, willpreserve capital. Probably for a good long while. I will check the moving averages every three or four days. looking for something positive.