The practical effect has been a handsome spike in my portfolio performance (gain).
This week I shuffled my US investment. The S&P 500 has been rising worryingly recently. I read through a thorough analysis of it's current state vs historical average and the conclusion is that a market correction is near. The P/E ratios are now sky high. The growth has been overexaggerating the economic and underlying asset performance. So I sold all my shares on the Vanguard S&P 500 index fund and in the SPDR Energy Select ETF. I am planning to wait out the bull period that I feel is ending. I have put the money in US Bonds, Emerging market bonds and Emerging markets shares.
I am now very frugal in my lifestyle. Investing as much as I can. For the Nigerian market, I am doing purely stocks and picking them myself. I have put an hold to adding money to my ARM Discovery mutual fund and I have taken out almost all the money in my ARM money market fund. All new addition goes into my stockbrokerage account and I now use Meristem (no longer ARM as I've been having issues with their trading platform, plus Meristem has phone app). One can't eat his cake and have it.