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Plan Well, Retire Well

Saving and investing your money
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Solutions for Investment Procrastination, Part 2


Last month, I promised to introduce you to three services or investment products that can help you get the job done and stop procrastinating when it comes to investing. Using

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I started a 403B account six years ago. Since then, if I receive a yearly increase, I put the majority of the additional funds into my 403B!
by Lezli Cline on Friday 10/25/2013

Congratulations! That is a great strategy.
by Karen Chan on Thursday 11/7/2013

In non-retirement accounts, rebalancing, whether done manually or automatically, will usually create investment income as shares in funds/stocks that have gone up in price (and thus created the imbalance) are sold and the proceeds invested in the lower-performing funds/stocks. If regular investments are being made (e.g. via direct deposit from paycheck), a better strategy might be what you stress very lightly: increase the amounts going into some funds and decrease the amounts into the others. Over time, possibly even in a few months, the allocations will reach their targets without the need of having to pay tax on capital gains etc.
by Dilip Sarwate on Sunday 12/1/2013

Yes, thanks for emphasizing that point. There are four ways to accomplish rebalancing: 1) selling some of the asset that has grown too large and buying more of the one that is too small a portion of your portfolio, 2) using new savings to buy more of the asset class you need to build up, or 3) if you're withdrawing money, take those distributions from the asset that has become too large a proportion of your portfolio, and 4) use dividends and interest to buy more of the asset class you need to add to.
by Karen Chan on Tuesday 12/3/2013