>>>>>I am Aiming half of my investments and running the other half on a 60% stock 30% bonds and 10% Reits format and rebalancing quarterly. Who knows? Let me know when the Holy Grail has be discovered.<<<
That looks very much like the portfolio in "How a second graded beat wall street"
I would rebalance at MOST once/year though. Sell losers one day less than a year and sell gainers one day more than a year. (though with that method I don't know why you would be selling something that went down)In an IRA it wouldn't matter except for rebalancing less often than you are now.