By segmenting the buckets by time of intended use, more risk-averse investors may feel more comfortable with a balanced portfolio.

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And then we have the third bucket that is the income-producing assets, which is designed to refill those buckets and replenish them over time, so that we are generating cash for those distributions from income, and not necessarily having to sell securities to generate that distribution cash.

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Of the three buckets, a service corps requires the most time and commitment.

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By then those taxpayers and their preparers who are spending more time than it could possibly deserve sorting out transactions into various buckets on Form 8949 for 2011 returns will have forgotten how frustrated we are in having to do so.

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But it will take time for firms to sort the loans in their portfolios into different risk buckets as a first step towards modifying them en masse, says Bill Rinehart of Ocwen, a servicer in Florida.

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But if we can get our wings into the defensive mode and get some turnovers and get some stops, and get out on the break and get easy buckets, that will alleviate the need for a big-time shooter.

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