| It's "that time of year" in my household. Since I follow the financial markets every day, you may think I regularly review my financial statements, constantly tweaking here and adjusting there. But I actually only make big overhauls once a year - in October. The month holds no significance other than being my birth month, which makes it a good time to review financial accounts, change passwords, and handle a variety of other housekeeping items in the modern world that need to be looked at periodically. My family has had some big changes over the past few years. My wife and I have become empty nesters, and we're almost at the finish line as far as paying for our kids' education. As a result, our financial picture has shifted drastically. So this year, I may be doing more rejiggering than normal. Everyone should take a 100-foot view of their portfolio once a year and think about whether their investments are lined up with their goals and concerns. If they aren't, then there will be some decisions to make. When markets are down, some people won't even look at their statements, as they don't want to be reminded of how much they've lost or how far away they are from their goals. This year, however, with the market at all-time highs, it should be a pleasure. Use the strong market as an excuse to open up your statement and take a hard look at whether you need to take some risk off or add to your stock holdings. Being underinvested in stocks is just as big of a mistake as being overinvested. Not sure how to tell if you're underinvested or overinvested? The Oxford Club's asset allocation model recommends the following allocations: - 30% to U.S. stocks
- 30% to international stocks
- 10% to high-yield bonds
- 10% to investment-grade bonds
- 10% to inflation-adjusted Treasurys
- 5% to real estate investment trusts
- 5% to gold or other precious metals.
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