Bob Brinker Free Discussion Site 59,820+: Re-Balance Portfolio Advise

» dmete3 - Re-Balance Portfolio Advise

Hi All,
I have a balance of 50/50 tax Defered(410K IRA ROTH IRA) and
regular savings. It is split %62 Stock VTSMX %33 Bonds GNMA and 5%
Cash Reserves. What is the best way to rebalance at this time to 70%
25% mix of stock or even 75/20. Is it better to split up the VTSMX
into smaller Vanguard accounts and lose the low cost maintenance
charges (Admiral Shares). I have seen posting where you can do better
than the VTSMX fund by splitting into 6 of the smaller Vanguard funds
like Small Cap/Growth amd Mid Cap. Does the split of the funds do
better than losing the low maint fees oaf an Admiral fund? Is this the
right time to rebalance when the market is high?
Age 48. Retire 66.5

-- posted by dmete3