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Questions About a 60/30/10 Allocation and Annual Rebalancing
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00352

Questions About a 60/30/10 Allocation and Annual Rebalancing

A reader asks about 60/30/10 versus 40/40/20, 30% of 00670L's gain, and 2% in down years. The speaker gives a formula and calls for selling stocks, immediate investment, and year-end rebalancing; claims are unverified.

Published
Jan 14, 2025
Total duration
4:17
Source
CLEC Investment & Wealth

Categories

  • Short

Video Overview

The reader invests TWD 20,000 each month in 00662, 00670L, and 00864B at a 60/30/10 ratio and asks whether to continue until retirement approaches. The letter also asks how to calculate 30% of 00670L's current-year gain in an up year and which total-asset baseline should supply the 2% used in a down year while contributions continue. The speaker says 60/30/10 and 40/40/20 both have a beta of 1.2, with more cash in the latter, and defines annual gain as year-end assets minus year-start assets and current-year purchases. The speaker also calls for selling individual stocks, investing proceeds or new funds immediately, and rebalancing at year-end. The product classifications, beta, formulas, and trading directions are unsourced and not advice from this site.

Key Takeaways

  • The reader contributes TWD 20,000 monthly to 00662, 00670L, and 00864B at 60/30/10 and asks whether to maintain it until retirement nears.
  • The letter asks how to calculate 30% of 00670L's gain in up years and 2% of total assets in down years while new contributions continue.
  • The speaker calculates annual gain from year-end minus year-start assets and current-year purchases, and says either year-start or initial assets may supply the 2% base.
  • The speaker calls for selling individual stocks, investing proceeds and new funds immediately, and rebalancing at year-end; these operational views are unverified.

Chapters

About 00:00:08 · The 60/30/10 Mix and Retirement Adjustments

The reader lists monthly contributions and three product proportions, asking whether to maintain them until retirement approaches.

About 00:00:55 · Up-Year and Down-Year Calculation Questions

The reader asks how to calculate 30% of annual gain and 2% of total assets while contributions continue.

About 00:02:18 · The Speaker's Formula and Trading Claims

The speaker compares two ratios, explains a year-over-year formula, and calls for selling individual stocks, immediate investment, and year-end rebalancing.

Related Topics

asset allocation, rebalancing, 00662, 00670L, 00864B, annual gains, retirement planning

This page was prepared with AI from selected portions of the video's audio to help readers understand the main topics. It may omit secondary material or contain transcription errors; the original video remains authoritative.

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