tag:blogger.com,1999:blog-23550078.post116647705918828440..comments2023-09-29T08:04:32.799-05:00Comments on makingourway: Insurance investment liquidation update & putting all investments into one mutual fund!makingourwayhttp://www.blogger.com/profile/13748811641577990850noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-23550078.post-1166595876115653152006-12-20T00:24:00.000-06:002006-12-20T00:24:00.000-06:00OK, I take it all back. Load up on the 2025. Varia...OK, I take it all back. Load up on the 2025. Variable annuities....Variable Universal Life........ eeeekkkkk!!!! You will be going from costs over 3% to exceeding 6% plus plus plus. Who sold all this stuff to you? Still I like all your allocation ideas just don't give up on low cost tactical stuff. It works and ads to performance. The 85% of all actives (as you quoted) is accurate it just doesn't take in to account select active tactical choices. Also, I wouldn't sweat the spreads on ETF's Even 2 cents on 10,000 shares of a $20.00 ETF is a whopping $200 on a $200,000 trade. This is the kind of stuff that'll drive you nuts. Getting out of a VUL will drive you happy. Good luck and you're doing great on goal attainment. <BR/><BR/>Just as a little dig the annuity probably sold at a 6% plus commission. ETF spreads are chump change. That same $200K in an annuity would of slapped a $12,0000 surrender on you and higher fees. You have great ideas just don't start over freakin on fees.,<BR/><BR/>Welcome to the game (or at least the middle innings of a pennant potential team). <BR/><BR/>Finally, I didn't say go radical on international just recognize diversification for what it is worth. I may also pare down my intnl exposure (tactical) in Feb of 07 or so. I did witness the last intnl slowdown although I am not a big emerging markets guy (can't take the heat). Europe looks well valued as do the Asian Tigers. No Botswana for me....StealthBuckshttps://www.blogger.com/profile/07795127014423250395noreply@blogger.com