Our current portfolio has 60% in equties/23% bonds/7% cash--DFA emerging markets/International and US core equities--Spartan Int'l Index-- Fidelity REIT--Spartan Intermediate Municipal Income--since April when we moved from different mixture of funds.
We also have laddered CDs of about the same amount @ 3-3.5% -- which until the sell-off last week, made us basically neutral for the year to date. After last week, we are down--like most people probably.
My husband, who has his 401K at work invested totally in o/g play because he works for o/g company, is reluctant to buy into commodities or energy--especially since the market for both has run up so much in the past year and especially 6 mo...However, it seems that the market is going down significantly--some people are projecting to 10,000 and the energy and commodities would be riding the see-saw effect higher...so there are still probably some gains to be made.
Is it too late to establish position in those two sectors or would it be asking for trouble?
Do you still think TIPs are not that good a hedge against inflation?
