Yeah, everyone's gotta make that call for themselves. Really my point is understand your tax situation and don't be afraid to take the reins. I tend to adjust future investments way more than I rebalance current.
Realistically speaking, long term capital gains now are at a 15% rate. The effective tax rate for $100k/year in pre-tax retirement is 18%. If you aren't paying taxes now (like I know you do), rebalances are probably close to a wash. What we were talking about, though, is moving money around to ensure you max on current growth. Moving money costs money. Hopefully the cost is lower than the extra growth!
Realistically speaking, long term capital gains now are at a 15% rate. The effective tax rate for $100k/year in pre-tax retirement is 18%. If you aren't paying taxes now (like I know you do), rebalances are probably close to a wash. What we were talking about, though, is moving money around to ensure you max on current growth. Moving money costs money. Hopefully the cost is lower than the extra growth!
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth