I'll look, so you don't have to

Okay, I bit the bullet and looked at my retirement accounts. All in all not so great. As you might expect, absolutely everything is down.. some of it quite a lot. Here's how my funds are doing:

Holdings

If you zoom in there, you can see some of my funds are down as much as 44.62%! Holy smokes!

A year ago I took a look at my accounts and figured out two things:
1. my portfolio was hugely weighted toward large-cap companies, and
2. I didn't have any bonds.
3. Oh, I also figured out what types of funds my retirement accounts were in: 60% large blend, 10% small growth, 16% international large value

I decided that my first order of business was to get to 20% of my account in bonds. (I don't think I still agree with that, but I'm just reporting the facts.) I made some calculations (you can read them on the original post) and concluded that to get to 20% bonds in 3 years I'd have to put 85% of my ongoing contributions to bonds. (!)

I didn't do that - I have been putting half my contributions into a bond fund. Thanks (ha!) to the crappy market, I'm already at just under 10% of my portfolio being in bonds. I think I want to keep bonds as 10% of my portfolio, so it's time to look further at what I have, and where I want to go. Here's the current breakdown of my combined funds (thanks to Morningstar's Instant X-Ray Overview, found on this page):

Allocations

So, bonds went from 0 to almost 10%. The 'other' and cash allocations are pretty much the same. My US stocks holdings were about 80% of my portfolio, and are down 8.36% to representing 73%. Finally, foreign stocks were 17% of my portfolio, and are down 20% to represent 14% of my holdings.

Is that good? No, not really, but I don't think it's terrible either. It's pretty clear, when glancing at the pie chart, that the vast majority of my holdings are in US stocks, and I think we know how that's been going! Instead of selling anything I have (heaven forbid, at this low state of the market), I'm going to alter the way my contributions are used. I'm going to keep using half to purchase stocks - I really do think things will pick up eventually, therefore I'm buying at market lows right now - and now I have to decide what to buy with the other half of my regular contributions. 

1. get international back up to 20% of my holdings; keep bonds at 10%
2. consider buying into a REIT (real estate investment.. I'll have to think about this given the Current State of Things)
3. work on getting a better sense of how my US stocks cover the market. I think I'm still way out of whack there: fully 50% of my whole portfolio is large cap; 15% is medium and 6% small cap. Figure out how to alter my purchasing to fix that.

I've just adjusted my contributions: they were 50% bond, 50% large cap stock fund. Now they're going 20% each to large-, medium-, and small-cap stocks, 30% to an international fund, and 10% going to bonds.

Since my contributions are going to be so hacked up, it'll take a while for any rebalancing affect to show up, but I think I'll sit on it and see how it goes.