dylanw,

I do not know. But, I believe someone had done this in this forum. Just post a new thread and ask.

Dreamer

http://www.capitalspectator.com/major-asse...ormance-review/

http://www.capitalspectator.com/wp-content...i.03feb2014.gif



Folks,

Check out above URL...

Asset allocation works... In any point of time, some asset class will do well while other don't. If you keep a FIXED asset allocation ratio, you will "Buy Low, Sell High".

Dreamer

wongmunkeong,

Come on.... As long as the beneficiaries has the user id and password, he / she can wire / transfer the money back to some where else before declaring someone is death.

Dreamer

wongmunkeong,

Come on..

1) Technically, there is a time gap before a person is death versus LEGALLY DEATH. And, especially between country.

2) My spouse are told to move money out if I am in any possibility of dying..

Dreamer

wongmunkeong,

Come on...

1) There is a plan A, B, C and so on...

2) That is plan A.

3) There is always plan B like will and living trust and so on..

4) Then, there is plan C like what to give away and how to give away some portion of your money before you ended up with estate tax and so on...

<<then a high possibility of legally losing half of a chunk at the end game.>>

5) Seriously, I do not think you actually have spend enough time studying this subject.

Both of my children have investment in mutual fund now.

Dreamer

P.S.: For those kind of stuff and if a person has enough money to worry about, a person will engage professional to deal with it. This is the kind of stuff that I use professional help. And, it is not the kind of stuff that you can advice a person in a forum.

This post has been edited by dreamer101: Jan 15 2015, 09:03 AM

wongmunkeong,

You really have one track mind...

1) There are multiple kinds of accounts and assets. For bank account and stuff, the best way is to get the money out immediately.

2) Then, you have house, mutual funds and others.. Those, you have to deal with beneficiary, trust, will and so on..

3) So, there are multiple kinds of accounts and assets. A person PLAN AHEAD and engage professional to set all those stuff ahead of time.

So, where the heck did I say that I ONLY do one thing??

<< Note that my post to our fellow forumer was just to be aware of estate / death taxes before growing the amount to large to move / restructure easily.>>

Those kind of stuff are TOO COMPLICATED to give anyone advice anyhow. For anyone in Malaysia with SIGNIFICANT ASSET, that person will not keep everything in Malaysia. So, the person will have to deal laws from multiple countries.

Dreamer

wongmunkeong,

1) On that specific item, anyone with user id and password can transfer the money out to some other A/C. The only issue is do you have someone that you can trust to do that for you and your wife if both of you are gone?? In any case, you need to document all those stuff and entrust to someone if your children are young. It is an online account.

2) Or, you can do primary and secondary beneficiaries and so on...

http://discuss.morningstar.com/NewSocializ...s/t/319240.aspx

Dreamer

Folks,

I do both.

1) I re-balance once a year.

2) I may re-balance if the movement is too large. I do 5/25 band re-balancing.

5 -> If the asset went up or down more than 5% of the allocation. For example, from 35% to 40%

25 -> If the asset went up or down more than 25%.

Please note that for every asset, only either 5 or 25 applies...

For asset that is 20% of the portfolio, both 5/25 is the same number.

For asset that is less than 20%, 25% rule applies

For asset greater than 20%, 5% rule will hit first.

Dreamer

MNet,

64 / 36.

Dreamer

P.S.: Please ask me the REAL QUESTION that you want to ask.

This post has been edited by dreamer101: Aug 25 2015, 10:02 AM

MNET,

I answered as per your question.

64% Stock / 36% bond.

Dreamer

kevyeoh,

It is a general rule. It is called band based re-balancing... Most people do calendar based re-balancing or band base or both.

http://whitecoatinvestor.com/rebalancing-the-525-rule/

If you have 20% of A and it went up by 25%, 20% X 1.25 = 25%. A had went up from 20% of your portfolio to 25% of your portfolio. It is basic math. It is approximately the same.

Dreamer

This post has been edited by dreamer101: Aug 26 2015, 11:43 PM