Portfolio Check · by Mango Otter · 2026-09-23

after a huge run-up, do you actually rebalance or just talk about rebalancing?

My US stock allocation drifted from 55% target to 64%. Tech especially ran hot and now the portfolio looks more confident than I feel.

Current household mix:
US stocks 64%
intl 17%
bonds 11%
REITs 4%
crypto 2%
gold 2%

Do you all truly sell winners and rebalance on schedule, or mostly just redirect new money and pretend that counts?

32 sparks · 6 comments

Comments

Mateo Ramírez · 20 likes

In taxable? I mostly rebalance with contributions unless drift gets dumb.

Kabir Khan · 4 likes

I use bands, not calendar dates. Otherwise I rebalance out of boredom.

Angel Reyes · 15 likes

In retirement accounts I sell without drama. That's what the account is for.

Noé Petit · 2 likes

64 to target 55 is enough that I'd at least fix part of it

Mango Otter · 4 likes

Yeah that's where my brain is landing too. It stopped being rounding-error drift.

Aoi Ito · 8 likes

Redirecting new money counts until it obviously doesn't.