Rebalancing - how often are folks really doing it?
- •Okay, so I've been seeing a lot of chatter lately on macro trends and honestly, it's got me thinking about my own portfolio allocation.
- •Specifically, my gold IRA.
- •But that felt more geared towards a traditional stocks/bonds/real estate mix.
Okay, so I've been seeing a lot of chatter lately on macro trends and honestly, it's got me thinking about my own portfolio allocation. Specifically, my gold IRA. I'm sitting on about $350k total right now, and while I'm a big believer in metals as a hedge – especially with all the economic weirdness going on – I'm wondering how often people here are actually rebalancing their precious metals portion?
Back in my bank manager days (which feels like a lifetime ago, honestly), the standard advice was usually annual or biannual, or if there was a significant +/-10% shift in asset classes. But that felt more geared towards a traditional stocks/bonds/real estate mix. With gold, it feels a bit different, less volatile in some ways but with its own unique drivers. I've been letting mine ride for the most part since I set it up a few years back, only really thinking about it if there's a huge spike or dip, but maybe I should be more proactive?
I mean, part of the appeal of physical gold for me, especially here in Portland where everything feels a little... unpredictable... is that set-it-and-forget-it stability. It's my true diversification play against inflation and market crashes. But "set-it-and-forget-it" isn't quite "never look at it again," right? Are folks here looking at their gold IRA composition every quarter? Annually? Or just when their gut tells them something big is brewing? Looking for some real-world perspectives on this.