Search found 2984 matches

by sophie
Sun Jun 16, 2019 9:55 am
Forum: Permanent Portfolio Discussion
Topic: Yearly balancing or 15/35?
Replies: 13
Views: 519

Re: Yearly balancing or 15/35?

Good to hear from you frugal!!! Have you been lurking all this time? I think there are others who can answer your question far better than I. If your question translates as "can I get better returns by eliminating the cash component" then the answer is "yes, probably but not enough to really make a ...
by sophie
Sat Jun 15, 2019 8:52 am
Forum: Gold
Topic: % of gold asset in ETF or CEF for rebalancing purposes
Replies: 16
Views: 453

Re: % of gold asset in ETF or CEF for rebalancing purposes

So, it sounds like for the PP, the recommendation is to keep about 36% in physical gold in a taxable account, and a corresponding 64% in one or more ETFs in tax advantaged accounts. And from reading other posts in the gold forum, given that my wife and I are getting close to retiring (8-1/2 & 3-1/2...
by sophie
Sat Jun 15, 2019 8:28 am
Forum: Permanent Portfolio Discussion
Topic: Yearly balancing or 15/35?
Replies: 13
Views: 519

Re: Yearly balancing or 15/35?

I've been checking monthly only because I got into the habit of tracking expenses and finances on a monthly basis. It's fun for tracking purposes, but checking asset proportions that often is like watching paint dry. Rebalance events happen every 2-3 years, more or less depending on how you're handl...
by sophie
Fri Jun 14, 2019 7:48 am
Forum: Gold
Topic: % of gold asset in ETF or CEF for rebalancing purposes
Replies: 16
Views: 453

Re: % of gold asset in ETF or CEF for rebalancing purposes

Just be aware of the tax implications of selling gold. Most of us keep ETFs in tax-advantaged accounts for future rebalancing purposes. You can use closed end funds in taxable to qualify for cap gains rates, but it's really a pain - you have to file a paper form every year, which means you not only ...
by sophie
Fri Jun 14, 2019 7:02 am
Forum: Permanent Portfolio Discussion
Topic: 3 years of PP returns
Replies: 23
Views: 1087

Re: 3 years of PP returns

The low 2018 return is a bit artificial. If the year had ended a few weeks later or earlier, it would be a whole different story. The YTD 2019 returns reflect the deep transient market dive at year's end: the PP stands at 7.8% and GB at 9% - and this is just for the first half of the year! Even thou...
by sophie
Wed Jun 12, 2019 7:02 am
Forum: Other Discussions
Topic: Will Trump be Re-elected?
Replies: 303
Views: 17352

Re: Will Trump be Re-elected?

My vote goes to "It will backfire spectacularly when Barr reports on his investigation into the origins of the Russia probe." As in, they keep forgetting that the laws they're trying to stretch to achieve the desired outcome (booting Trump from office) apply to Democrats just as readily as to Republ...
by sophie
Wed Jun 12, 2019 6:44 am
Forum: Stocks
Topic: Stock scream room
Replies: 643
Views: 115473

Re: Stock scream room

I think we ended up deciding that buying the lagging asset is a good strategy for taxable accounts because it avoids the tax costs of rebalancing. That did better than the cash accumulation method which is another way of accomplishing same. The best performance came from distributing new contributio...
by sophie
Sat Jun 08, 2019 12:58 pm
Forum: Bonds
Topic: Meaning of 1-3 yr and 10-30 yr treasury ladders
Replies: 12
Views: 549

Re: Meaning of 1-3 yr and 10-30 yr treasury ladders

TLT or equivalent. Just got lazy typing.
by sophie
Sat Jun 08, 2019 9:46 am
Forum: Bonds
Topic: Meaning of 1-3 yr and 10-30 yr treasury ladders
Replies: 12
Views: 549

Re: Meaning of 1-3 yr and 10-30 yr treasury ladders

Little, if I were in your shoes I would put the entire bond allocation into one purchase of long treasuries (after taking a good stiff drink probably). And I'd also hold off doing so for a few days because the market just did something strange and bond prices will probably settle a bit. You'll end u...
by sophie
Thu Jun 06, 2019 6:28 am
Forum: Bonds
Topic: Meaning of 1-3 yr and 10-30 yr treasury ladders
Replies: 12
Views: 549

Re: Meaning of 1-3 yr and 10-30 yr treasury ladders

Welcome LittleDinghy! And congrats on your decision. I think you'll be pleased with this portfolio in retirement. Most of us go with Harry Browne's recommendations for the cash and bond allocations. It's much simpler than what Tyler uses on his site and either way doesn't affect returns by enough to...
by sophie
Tue Jun 04, 2019 8:29 am
Forum: Other Discussions
Topic: Immediate 5% across-the-board Mexican tariffs
Replies: 90
Views: 1951

Re: Immediate 5% across-the-board Mexican tariffs

It is certainly internally consistent to support an open southern border and uncontrolled immigration of unskilled workers and dependents, at the same time as supporting global free trade. It benefits American businesses and keeps prices low (due to low labor costs) in the short term, yes. However, ...
by sophie
Sun Jun 02, 2019 8:48 am
Forum: Bonds
Topic: TLT vs EDV vs ZROZ
Replies: 4
Views: 253

Re: TLT vs EDV vs ZROZ

I bought one in a retirement account alongside standard 30 year bonds just to see how it would perform. It is definitely more volatile but it's not a huge effect. The only real issue with using these is that the bid-ask spreads on zeros tend to be higher, so it will cost a bit extra to sell. Not tha...