Search found 664 matches

by Dieter
Thu Jul 11, 2024 4:36 pm
Forum: Permanent Portfolio Discussion
Topic: Yield
Replies: 4
Views: 1319

Re: Yield

PRPFX really isn't really PP -- if it's currently getting 0.58%, that's a LOT lower than current PP, which is closer to 3% If using Vanguard Mutual Funds as a simple implementation: Cash (Treasury MM - VUSXX): 5.28% LTT (VLGSX) : 4.52% SP 500 (VFIAX): 1.26% Gold (IAU): 0% Add and divide by four: 2.7...
by Dieter
Sun Jun 30, 2024 2:00 am
Forum: Permanent Portfolio Discussion
Topic: So how did I Bonds perform relative to Bonds?
Replies: 2
Views: 488

Re: So how did I Bonds perform relative to Bonds?

Definitely Cash And, quite happy with them -- didn't lose value; returns spiked during high inflation, don't pay taxes until redeem, no state taxes -- good stuff! I don't have that much in I-Bonds, so, selling low fixed rate bonds and buying at the current 1.3% fixed rate (yeah, the current composit...
by Dieter
Fri May 10, 2024 2:31 pm
Forum: Bonds
Topic: Zeihan on Interest Rates
Replies: 0
Views: 1406

Zeihan on Interest Rates

Something I found interesting (why not to expect rate cuts for next 2-5 years)



Although I know can't really predict

But, I still thought it was an interesting take
by Dieter
Thu May 09, 2024 1:20 pm
Forum: Bonds
Topic: Just made a purchase at 5.088 for 30 year LTTs
Replies: 46
Views: 13725

Re: Just made a purchase at 5.088 for 30 year LTTs

vnatale wrote: Thu May 09, 2024 12:08 pm
mathjak107 wrote: Thu May 09, 2024 11:37 am Image
Yes!

You and I are IN TUNE together!
Um, that's why were are here, right?

:)
by Dieter
Mon May 06, 2024 12:52 pm
Forum: Bonds
Topic: Bought my ibond allocation
Replies: 7
Views: 1423

Re: Bought my ibond allocation

A few days ago I did receive my $5,000 in iBonds purchased from my tax return e-filed on April 14, 2024. This time it was only one $5,000 bond. In the past there have been several to many bonds in different denominations to compose the $5,000. It was dated April 29, 2024. That means I got it under ...
by Dieter
Wed May 01, 2024 12:55 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1185
Views: 1120416

Re: Putin Invades Ukraine II

It has been said that if Israel takes out Iran’s drone facility in its anticipated response, this will degrade Russia’s ability to use drones against Kyiv. Wouldn’t mind seeing that. Well, looks like only removing the drones / missles that Iran shot at Israel Still, that's at least some that can't ...
by Dieter
Wed May 01, 2024 12:53 pm
Forum: Bonds
Topic: Bought my ibond allocation
Replies: 7
Views: 1423

Re: Bought my ibond allocation

And the final I-Bond 1 May 2024 tally:

* 1.3% Fixed rate (unchanged)

* 4.28% composite rate
by Dieter
Wed May 01, 2024 12:46 pm
Forum: Cash
Topic: iBonds / TreasuryDirect
Replies: 8
Views: 7065

Re: iBonds / TreasuryDirect

And the final 1 May 2024 tally: * 1.3% Fixed rate * 4.28% composite rate So, it worked out to buy in April I'll likely sell more of my 0% fixed rate I-Bond (2.98%) and put into T-Bills / Treasury Money Market for now (~5.3%) Then put back into I-Bonds a bit later -- some likely around November / som...
by Dieter
Mon Apr 08, 2024 10:34 pm
Forum: Cash
Topic: iBonds / TreasuryDirect
Replies: 8
Views: 7065

Re: iBonds / TreasuryDirect

I just sold some 0% fixed rate I-Bonds and bought new ones at 1.3% (Fixed rate at 1.3% through the end of April) Per one YouTube video I say, the fixed rate likely to be slightly lower May 1 And, figued 1.3% is better than my 0%, even with the 3 month interest penalty for selling before 5 years are up
by Dieter
Thu Nov 23, 2023 10:52 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 44455

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

I did sell some 0% / low fixed rate I-Bonds and bought some new with the funds

Highest fixed rate since I've been paying attention to I-Bonds
by Dieter
Wed Oct 04, 2023 5:00 pm
Forum: Permanent Portfolio Discussion
Topic: Alright who’s hitting rebalancing bands?
Replies: 13
Views: 18054

Re: Alright who’s hitting rebalancing bands?

Yeah, I need to look into this -- I'm pretty sure I need to put some funds into LTT (although I have a low target allocation to LTT vs PP)
by Dieter
Sat Jul 22, 2023 4:42 pm
Forum: Permanent Portfolio Discussion
Topic: PP Mistakes
Replies: 43
Views: 112638

Re: PP Mistakes

Overall, if I hadn't applied PP aspects to my retirement portfolio starting in 2012 (never been full PP), if I'd stayed the course, I'd have had higher returns. If I'd gone the other way and 100% into S&P 500, I'd have done even better Of course, I wouldn't have slept as well, might not have sta...
by Dieter
Sun Jul 16, 2023 7:24 pm
Forum: Cash
Topic: New I-Bond Rate for 5/1/23 to 10/31/23
Replies: 33
Views: 21528

Re: New I-Bond Rate for 5/1/23 to 10/31/23

What's the way to think about using I-Bonds if the yield dips significantly below T-Bills? Well, I don't have that much in I-Bonds (have more in T-Bills / Money Markets) So, I'll likely not add; rollover older than May 2023 I-Bonds to higher fixed rate ones as it makes sense. Stay the course to hav...
by Dieter
Fri Jul 14, 2023 11:08 pm
Forum: Other Discussions
Topic: Daily "Check In" Thread For Us
Replies: 2462
Views: 1501661

Re: Daily "Check In" Thread For Us

While we are on the topic is surprises me that we don't have more members of this forum that are gamers, given that it seems like we are mostly male. Is it a generational thing? Used to do a bit -- Table Top RPGs (Basic and AD&D, Star Frontiers) and a bit of Wargaming (Panzer Leader, Dawn Patro...
by Dieter
Sun Jul 09, 2023 4:40 pm
Forum: Bonds
Topic: What to do with a Low-Yielding 30-Year Bond
Replies: 31
Views: 27934

Re: What to do with a Low-Yielding 30-Year Bond

This is someone else's take on the prior article: https://www.mymoneyblog.com/treasury-bonds-vs.-tips-vs.-lifetime-income-annuities-compared.html?lctg=9627344 Treasury Bonds vs. TIPS vs. Lifetime Income Annuities Compared JUNE 25, 2023 BY JONATHAN PING "My lightning recap: Moderate inflation (...
by Dieter
Mon Jun 05, 2023 11:15 am
Forum: Cash
Topic: iBonds / TreasuryDirect
Replies: 8
Views: 7065

Re: iBonds / TreasuryDirect

And a video on the new iBond rate and when to maybe “roll over” 0.00 fixed rate iBonds to buy into the new 0.90 fixed rate

https://youtu.be/7ooIgdycrfw
by Dieter
Sat May 27, 2023 3:21 pm
Forum: Bonds
Topic: Is anyone else buying TIPS?
Replies: 28
Views: 12520

Re: Is anyone else buying TIPS?

vnatale wrote: Fri May 26, 2023 8:29 am
Dieter wrote: Fri May 26, 2023 12:52 am I own some of the Vanguard short-term TIPS fund, but, not increasing my allocation
Isn't that a totally different investment from actually holding the TIPS and holding them to maturity?
I wouldn’t say “totally”, but yeah, different
by Dieter
Fri May 26, 2023 12:52 am
Forum: Bonds
Topic: Is anyone else buying TIPS?
Replies: 28
Views: 12520

Re: Is anyone else buying TIPS?

I own some of the Vanguard short-term TIPS fund, but, not increasing my allocation
by Dieter
Fri May 19, 2023 12:43 pm
Forum: Gold
Topic: Buy gold now?
Replies: 13
Views: 14558

Re: Buy gold now?

flyingpylon wrote: Fri May 19, 2023 8:39 am
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)_/¯
Well, obviously, it SHOULD shine when _I_ expect it to

I mean, really

😁
by Dieter
Thu May 18, 2023 3:47 pm
Forum: Bonds
Topic: Long Treasuries Top Bond Market Returns This Year
Replies: 7
Views: 8479

Re: Long Treasuries Top Bond Market Returns This Year

Wish I had a working crystal ball 🙂

Guess I should review my asset allocation actuals at some point

But not planning in making any changes
by Dieter
Sat May 13, 2023 11:20 pm
Forum: Permanent Portfolio Discussion
Topic: The All-Weather Portfolio for Uncertain Times
Replies: 4
Views: 2260

Re: The All-Weather Portfolio for Uncertain Times

This blog is designed to record the investment journey of a UK based small investor. The All-Weather Portfolio for Uncertain Times https://diyinvestoruk.blogspot.com/2023/05/the-all-weather-portfolio-for-uncertain.html "Could this is the ultimate set-and-forget portfolio?" "Further r...
by Dieter
Wed May 10, 2023 1:54 am
Forum: Permanent Portfolio Discussion
Topic: The Weird Portfolio - latest from Tyler/Portfolio Charts
Replies: 29
Views: 28931

Re: The Weird Portfolio - latest from Tyler/Portfolio Charts

Kevin K. wrote: Tue May 09, 2023 2:53 pm
Dieter wrote: Tue May 09, 2023 2:05 pm Holy tracking error, Batman! 🙂
Well yeah but unlike the Larry Portfolio or even (dare one say it?) the PP you at least get some return to go with your tracking error. 😏
True
by Dieter
Tue May 09, 2023 2:08 pm
Forum: Stocks
Topic: Small Cap Value vs US Total Stock Market
Replies: 19
Views: 8079

Re: Small Cap Value vs US Total Stock Market

Ditto on the “tracking error” bit — if trying to get them to learn, I’d probably start with TSM or some such so that it better tracks the news
by Dieter
Mon May 08, 2023 12:14 pm
Forum: Cash
Topic: iBonds / TreasuryDirect
Replies: 8
Views: 7065

iBonds / TreasuryDirect

So, I logged into TreasuryDirect Sunday (5/7) — uses the new login: * Are sent a one-time passcode (OTP) every time (can’t register your computer) * No more using on-screen keyboard * Password now case sensitive, based on the capitalization used for first login I didn’t do any changes (I’m looking t...