My Current Asset Allocation and Net Worth Growth – February 2010

Twice a month, I update a spreadsheet of all my accounts that calculates 1) my net worth and 2) my current asset allocation. I figured that it might be interesting to post it on my blog once per month

In my previous blog at the link shown below, I explained the details of the mutual funds I invest in and how I figure what my allocation targets are.

On February 3rd, 2010, my asset allocation picture was as shown below.

As you can see, I have some serious work to do to get to my allocation targets. Remember, the general rule of thumb is to rebalance your allocation if it exceeds +/- 5% of the target you select.

The areas that I need to drastically improve are highlighted in red below. The reason that I am so over-allocated in domestic large cap equity is that for the past year and a half, I have been contributing 100% of the money in my 401k to buying an S&P500 index fund. I have recently been trying to exchange money out of that and in to bond and international funds (as you can see, the international equity and non-inflation bond funds %’s are more or less on target).

However, my current goal is to get more funds shifted towards investing in Emerging Market funds. Keep on learning!

Detailed Allocation Calculations

% Cash (money market target 5%)                      Currently 14% % non-inflat Bond Funds (target 15%)                 Currently 11% % TIPS Bonds (target 5%)                                  Currently 0% % International Equity (Target 11%)                    Currently 12% % International Emerging Markets (Target 11%)  Currently 5% % Domestic Large Cap (Target 8%)                    Currently 33% % Domestic Small Cap (Target 9%)                    Currently 6% % Domestic Small Cap Value (Target 13%)        Currently 6% % Domestic Large Cap Value (Target 13%)        Currently 7% % REIT (target 10%)                                          Currently 6%

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