IS THERE A WAY TO DO EJtB WITHOUT SELLING ALL MY FUNDS EACH QUARTER?
Keep in mind that EJtB doesn’t necessarily require you to sell all your funds each quarter. Roughly half of the money will be in index funds and will be untouched, except for an annual rebalancing. And the three rotating funds don’t rotate every quarter necessarily occasionally the same fund will be held for consecutive quarters. However, if you prefer to hold your funds a little longer and avoid the quarterly selling, you may prefer to follow a pure Upgrading approach with the actively-managed fund portion of your portfolio. To do so, one option is to take a portion of the portfolio and apply the Upgrading strategy without any modification, using the recommended Upgrading asset allocation percentages. Or you may wish to instead use the asset allocation percentages recommended for the rotating funds in Enhanced Just-the-Basics, but buy the recommended Upgrading funds instead. To accomplish this, take the large-cap rotating amount recommended in EJtB and divide it evenly between funds i
