It seems a lot of the complexity (use of V60 the mixing with separate bond funds etc.) relates to trying to avoid taxes during rebalancing time.
As someone in a potentially similar situation, I simply wouldn't bother. I'd stick to a 60% equity only fund and whatever you want for the 40%. To avoid actively rebalancing and triggering CGT, I would instead either
- Buy the cheaper ETF regularly, if you are still accumulating
- Sell the more expensive regularly, if you are drawing down for retirement
You might drift away from your AA a bit (as I am myself) but not by much since the above method keeps it close enough.
Trying to blend V60 with other stuff to get your AA in order seems to messy to continually calculate. I'm happy just staring at my VWRD/AGGG ratio - and it is easy to replace with equivalent ETF to those any such pair to reset your cost basis.
As someone in a potentially similar situation, I simply wouldn't bother. I'd stick to a 60% equity only fund and whatever you want for the 40%. To avoid actively rebalancing and triggering CGT, I would instead either
- Buy the cheaper ETF regularly, if you are still accumulating
- Sell the more expensive regularly, if you are drawing down for retirement
You might drift away from your AA a bit (as I am myself) but not by much since the above method keeps it close enough.
Trying to blend V60 with other stuff to get your AA in order seems to messy to continually calculate. I'm happy just staring at my VWRD/AGGG ratio - and it is easy to replace with equivalent ETF to those any such pair to reset your cost basis.
Statistics: Posted by glorat — Thu Nov 21, 2024 3:25 am