Rebalancing - when to pull the trigger on more gold?
- •Been thinking a lot about rebalancing the portfolio lately, especially with all the market chatter.
- •I’m sitting on about $180k across my retirement accounts , and about 15% of that is in my Gold IRA.
- •The rest is pretty diversified in stocks and some real estate investments I have locally here in Savannah.
Been thinking a lot about rebalancing the portfolio lately, especially with all the market chatter. I’m sitting on about $180k across my retirement accounts, and about 15% of that is in my Gold IRA. The rest is pretty diversified in stocks and some real estate investments I have locally here in Savannah. My tourism business has seen its ups and downs, particularly over the last few years, so I’m used to riding out a storm, but it always makes you think about futureproofing.
My initial plan was to keep the gold around 10-15% of my overall portfolio as a hedge. But seeing how things are going – inflation fears still nagging, geopolitical stuff heating up – it makes me wonder if I should be increasing that allocation. I know the standard advice is to rebalance when an asset drifts too far from its target, but is anyone else feeling like the target itself for gold should be higher right now? I’m weighing up whether to move another 5% or so out of some of my more growth-oriented funds and into the Gold IRA.
It's not about being super aggressive, but more about maintaining that peace of mind. I’ve held gold for a while now, probably close to 8 years, and it's certainly proven its worth during some of the choppier economic periods. For those of you who have a similar portfolio size or a long-term view, when do you decide it's time to bump up that gold percentage beyond just basic rebalancing? Are you waiting for a specific indicator, or is it more of a gut feeling based on the overall economic climate?