Date: Thu, 21 Sep 2006 18:24:00 -0500
From: "Elle" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Rebalance Portfolia
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Sligorm, some ideas:

If your latest allocation plan indicates you should put more 
money into cash/bond funds/CDs, I would go with a CD or bond 
ladder, say rungs six months apart, going out maybe three 
years. (A yield curve inversion appears to be in place, so I 
would hesitate to go out further than three years. It's a 
crap shoot; that's just my best guess.) I feel the expenses 
on bond mutual funds tend to outweigh the advantages for 
someone your age.

If your health is good and you have planned for 
contingencies such as long-term care, or you simply flat-out 
have way more money than you can spend, then investigate 
whether you can, under IRA law, convert the Rollover IRA to 
a Roth. Note that a special exception comes up in 2010, 
removing the income limitation on many such conversions. 
Google for {Roth IRA conversion 2010} to get more info.

Have you considered whether you need a long term care 
insurance plan? Are you planning for medical contingencies 
that tend to arise as one ages? No need to answer these 
unless you want more input. But the thread does not do 
justice to your query without bringing this up.

Congratulate yourself for buying low (real estate and small 
caps) and selling high, and evidently having a grand scheme 
in mind for retirement.