The historical results that probably convinced you to go with the GB were generated with individual assets that were overvalued or undervalued at any given time. If you want the benefits of a “lazy portfolio” and you accept that you can’t predict the future, you need to treat it like a black box as ...

yankees60 wrote: ↑Sun Aug 25, 2024 9:07 am

dualstow wrote: ↑Sat Aug 24, 2024 7:13 pm They arrested the Telegram app founder, Pavel Durov.
I wonder what’s going to happen to him.

They = Russia?

France!

Xan wrote: ↑Sun Jul 21, 2024 3:46 pm … he at long last agreed that in 4+ years he wouldn't be up to it.

Do you really think that’s what happened?

Seven years… does the timing make more sense after last night?

Seven years is a long time arrive at this conclusion, but as Snopes is accused of being left-leaning, or even a mouthpiece for the left, I think this is important. It was forum members here who taught me many years ago that the allegations were false. https://www.snopes.com/fact-check/trump-very-fi...

dualstow wrote: ↑Wed Jun 05, 2024 9:17 am But I think he was doing what he thought was right at the time.

The same could be said of many people that have done terrible things.

I split the trigger into two zones: “can rebalance” and “must rebalance”. Can rebalance is within around 1% of the must rebalance threshold. I allow myself to rebalance if I feel like it. I do partial rebalances and I got tired of missing out on opportunities because I waited for that last 1% or so....

I'm curious to know what people's thoughts are about life insurance in retirement (or very close to it). For this purpose I'm only referring to term insurance, not any other type that also serves as an investment. Say you and your spouse have been working and investing for many years, the mortgage i...

I always laugh when someone states they are "100% stocks", yet the have 1-2 years of living expenses in cash... so, they aren't actually 100% stocks, then. This puts the PP at a disadvantage when it is backtested against other asset allocation strategies that exclude cash savings. I like ...

I experienced the same thing using Firefox on iOS so I switched to Chrome and Safari. Seems like there was another combination of OS and browser where it happened but I can’t remember now.

Thought this animation created in 2012 was interesting in light of current events...

This Land is Mine by Nina Paley
https://youtu.be/8tIdCsMufIY?si=jHTGr5wrap3w0evC

https://blog.ninapaley.com/2012/10/01/t ... d-is-mine/

Thoughts? At 16.7% of my PP... Getting close to the 15% rebalance band. I hope it doesn't happen this year but will in 2024. Will have to report my 2023 to FAFSA, so I do not want to sell anything from my brokerage accounts :-[ Regarding FAFSA, make sure your ordinary income qualifies you for finan...

Thanks for this. A comprehensive list. Thought it took scanning the list a few times to finally find the Simplified Permanent Portfolio. The list is what order? Definitely NOT alphabetical? ????????? 30-year avg return, descending order. Click on the column headers to change the sort order.

Hindsight is 20/20. Foresight, not so much.

Smith1776 wrote: ↑Thu Aug 17, 2023 7:46 am I'm really surprised that no one on the forum so far is discussing the Trump indictments.

Because there's no longer any discussion here. People state their cases at each other until one or both sides get pissed off and return to their respective corners.

What's the point?

I just finished watching Mad Max for the first time ever. I honestly don’t get the hype. The movie was very meh to me. I also now especially don’t get why Bogleheads always refer to the “Mad Max scenario” when discussing gold as an investment. Does anyone really think that this corresponds with rea...

yankees60 wrote: ↑Fri Jun 23, 2023 8:10 am Well, my other must are listening to the five Sunday news shows. Try to listen to them twice each week.

Yikes. Maybe you should try only listening to them once so you have time to consider other perspectives, and see where that takes you.

I would say once in a great while. I do read his tweets, that’s all I have time for.

My question is, for the purposes of financial planning, how do you estimate your future investment returns? The whole thing just seems like a crapshoot, which I guess it is at some level. Personally, I just take the Baseline Return as detailed here => https://portfoliocharts.com/portfolio/long-term...

Everyone should be familiar with the phrase in the subject line. My question is, for the purposes of financial planning, how do you estimate your future investment returns? Say you’ve identified an asset allocation that has returned an average of 10% nominal over the last 50 years ( std dev 8.8 ). Y...

dualstow wrote: ↑Fri May 19, 2023 6:58 am

Doesn’t shine when it should

— totally agree, Barrett.

Does gold have an obligation to shine when people want/expect it to?

It shines when it does. ¯\_(ツ)_/¯

The article is fine as far as it goes but this last paragraph was kind of just thrown in as an aside: "We didn’t cover the nuances involved with spousal benefits, dependent benefits, or survivor benefits. These auxiliary benefits could impact your filing decision in either direction, and coord...

Not sure I would give it such high praise, but the emphasis on SS as insurance would be helpful to a lot of people.

I'm curious to know if anyone is (or has considered) using home equity as a more active part of their retirement income strategy, beyond just the typical asset of last resort or legacy asset. A case can be made that a tool like a reverse mortgage (and more specifically a reverse mortgage line of cre...