Rebalancing - when do you pull the trigger?

Maria Campbell

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Rebalancing - when do you pull the trigger?

maria_campbell📊Growing (50-100k)

about 4 hours ago

Key Takeaways

•Okay, so I’m sitting here in Boise, enjoying a rare quiet morning before the town council meetings start, and I’m looking at my Gold IRA.
•It’s done pretty darn well over the last year, I’m not gonna lie.
•I put in a good chunk, around $75k, about 18 months ago, and with the way things have been, it’s probably nudged up closer to $90k now.

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Okay, so I’m sitting here in Boise, enjoying a rare quiet morning before the town council meetings start, and I’m looking at my Gold IRA. It’s done pretty darn well over the last year, I’m not gonna lie. I put in a good chunk, around $75k, about 18 months ago, and with the way things have been, it’s probably nudged up closer to $90k now. Very happy with that, obviously.

My original thinking was to have about 10-15% of my overall portfolio in precious metals for diversification and a bit of a hedge against… well, everything that seems to be happening. But with the recent surge, it's starting to push past that 15% mark, which frankly, makes me a little antsy. I like sticking to my original plan, especially being a mayor here, I preach consistency. So, my question for all of you experienced folks is: when do you rebalance? Do you have a hard and fast percentage rule? Or is it more discretionary?

Part of me is thinking, "Don't mess with a good thing, let it ride!" But the more sensible, community-focused side of me says, "Maintain your strategy, don't get greedy." I'm not looking to time the market, just keep things balanced and aligned with my initial, more conservative investment philosophy. Is there a magic threshold where you decide it's time to sell some of that gold and funnel it back into something else? What are your thoughts on this, especially for those of you with similar portfolio sizes?

5 comments

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Best Answer▲ 7 upvotes

james_wilson👑Elite (1m-5m)

Nice to hear it's been doing well for you! $75k in 18 months is a solid chunk. When you say "the way things have been," are you referring to general market volatility, inflation concerns, or something more specific that made you decide on gold then?

Comments (5)

donna_rogers🏆Advanced (250-500k)Real Investor•less than a minute ago

Totally feel this! I was in a similar spot last year with my ROTH. Had a good run and it was bumping up against some limits I set for that particular asset class. My advisor actually suggested a partial rebalance, selling off just enough to bring it back to my target allocation without taking out *all* the gains. It was a good call. Curious to see what others say here too!

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•less than a minute ago

donald_nelson💎Premium (500k-1m)Real Investor✓ Verified•less than a minute ago

Interesting take. While rebalancing definitely has its place, especially with traditional portfolios, I'm a bit more hands-off with my gold.

My Gold IRA is less about chasing short-term gains and more about long-term wealth preservation and a hedge against inflation. For me, "rebalancing" often looks more like adding more on dips rather than selling when it's up. Just a different philosophy, I suppose!

michelle_collins🏆Advanced (250-500k)Real Investor•less than a minute ago

Hey, that's a good problem to have! For rebalancing, a lot of folks find it helpful to set predetermined thresholds rather than trying to time the market. Like, if gold makes up X% of your portfolio and it crosses Y% due to appreciation, that's your trigger to sell some and rebalance. Helps take the emotion out of it.

You might find this article on Investopedia about rebalancing strategies useful. Good luck with the town council meetings!

gary_stewart📊Growing (50-100k)•less than a minute ago

Totally feel this! I'm in a similar boat, though not quite Boise, haha. My Gold IRA's been crushing it lately too. I threw in about $50k roughly 2 years ago, and it's definitely outpaced my other investments. Makes me wonder if I should be skimming some of those gains off the top or just let it ride...

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