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Started a 3 fund portfolio a few months ago and am looking for some validation/course correction.
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Hey everyone -

Trying to follow Boglehead wisdom for peace of mind and simplicity when investing. I started my 3 fund portfolio a few months ago based on this logic:

  • I was born in 1991, so my Roth IRA holds FDEWX/2055 TDF.

  • For my taxable brokerage account, I wanted to mirror the percent allocation of holdings of FDEWX. When I checked FDEWX at the time, the allocation was 55% US Equities, 35% Non US Equities, and 10% bonds (I may have rounded up/down at the time.)

  • So in my taxable brokerage I purchased FSKAX, FTIHX, and FXNAX in 55/35/10 allocation respectively. And ever since then when I make a deposit I split the deposit up the same way. So if I invested $100, it would be 55 FSKAX, 35 FTIHX, and 10 FXNAX.

  • Today when I check my postions in my taxable brokerage account, the percentages have changed to be 66/26/8. I went to check the % allocation of FDEWX and it is now 54/36/10.

Anyway, am I supposed to occasionally sell off things that have grown and purchase things that are now a lower %? How often should I check FDEWX to be sure that my taxable brokerage is in the same % breakout?

Hope this makes sense, thanks for your time.

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1 month ago