Milwaukee Boglehead March 2016 meeting presentation, Rebalancing: How and When.

1. Rebalancing: How and When
• Laura Ricci
• Milwaukee Bogleheads
• March 1, 2016
Graduate Level Expertise Ages: 40’s to retirement

2. Milwaukee Bogleheads®
• A DIY investment group, followers of John Bogle's Index
investing strategies, the Milwaukee local chapter of
Bogleheads.
• This presentation was made March 1, 2016 by Laura
Ricci of our chapter.
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3. Rebalancing
• As the markets move, your carefully crafted Asset
Allocation will shift. Rebalancing is the act of adjusting
your portfolio assets back to the asset allocation you
have chosen.

4. How to Rebalance

5. How to Rebalance
• Rebalance across all accounts.
• For small accounts, watch fund minimum requirements.
• Email me and I’ll send you a copy of this spreadsheet.

6. When to Rebalance
• When your allocation is >5% from desired asset
allocation (AA).
• Annually is good enough. But. . .
• As often as you need to, to keep yourself occupied so
you aren’t tempted to do stupid investor tricks. (Me, I
rebalance quarterly)

7. Disclaimer
• All examples are for illustration purposes only and are
not investment recommendations.
• The views expressed in the presentation, are those of
the presenter, commenters, guests and participants and
may not reflect the views of the Bogleheads
organization.
• Use your discretion in using examples presented here
for your own investment purposes.
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