"I didn't understand you. Do you let AIM decide what ratio of cash to stock you will initially allocate?"
Traditionally I would start with 50/50. If using the V wave as a guide you would start with what that reccomends at the time you start a new account. When the market is high like now it would reccomend starting with a little more cash to handle a larger potential drawdown.
What I was referring to though was asset allocation. Because Aim ALWAYS has you hold cash ( some % of which could be in bonds), I don't worry about allocating anything to bonds.
Being 60% stock / 40% bonds and rebalancing yearly is sort of the gold standard.
Using Aim I don't start with 30% stock/30% cash and 40% bonds. Aim determines the fixed income allocation based on market conditions.
So I can have 100% in my Aim accounts with no bonds ( or they can be some % of my cash holdings above about 20% because I won't need the funds till a massive downturn). So I can be 50% stock/50% cash( fixed income ) without a completely SEPERATE allocation to bonds.
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