Search found 609 matches

by whatchamacallit
Wed Aug 10, 2022 8:51 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 542
Views: 218693

Re: Golden Butterfly Portfolio

Which small cap value funds are you using Smith? I am having trouble staying the course with small cap value myself. As I have reviewed the different indexes and funds more and more I don't have the faith that they will outperform or lower risk. I am now contributing to larger stock allocation with ...
by whatchamacallit
Wed Aug 10, 2022 5:55 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 542
Views: 218693

Re: Golden Butterfly Portfolio

Discussion on Paul Merriman's favorite thing, small cap value

Rob Berger Interview with Paul Merriman | Live Q&A

https://www.youtube.com/watch?v=HI4kRHrWyh0
by whatchamacallit
Wed Aug 10, 2022 11:09 am
Forum: Other Discussions
Topic: Quality Time Left
Replies: 26
Views: 858

Re: Quality Time Left

Jalanlong, do you like gold as an investment or just cash? Here is an idea to help simplify that I have been thinking of for myself. Pick an amount you want to put in retirement accounts and buy large stock and gold funds in it as automated as possible. Cheapest index fund you have available for sto...
by whatchamacallit
Sun Jul 31, 2022 1:15 am
Forum: Permanent Portfolio Discussion
Topic: Are most people here sticking with Treasuries?
Replies: 130
Views: 7640

Re: Are most people here sticking with Treasuries?

Thankfully I had given up on long treasuries awhile ago but did also miss the 2020 gains. I consider EE bonds a better option for deflation protection. It was a better rate of return previously but is about the same now with 20 year bonds getting to over 3.5 recently. The EE bond gives you the optio...
by whatchamacallit
Thu Jul 28, 2022 10:34 pm
Forum: Other Discussions
Topic: Is the stick a dying art?
Replies: 27
Views: 528

Re: Is the stick a dying art?

I feel like this topic has come up here before. Seems like there is some sort of correlation with manual transmissions and the permanent portfolio. My daily driver has been a manual transmission since I was 18. I fear there will be a day you can't buy one new any longer. It has nothing to do with pe...
by whatchamacallit
Fri Jul 22, 2022 10:35 pm
Forum: Cash
Topic: iShares® iBonds® Dec 2023 Term Treasury ETF
Replies: 2
Views: 155

Re: iShares® iBonds® Dec 2023 Term Treasury ETF

Digging a little deeper this looks like a pretty cool product. The funds do dissolve and pay out at their maturity date. https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders https://www.ishares.com/us/resources/tools/ibonds What are iBonds ETFs? iBonds exchange-traded funds (“ET...
by whatchamacallit
Fri Jul 22, 2022 10:26 pm
Forum: Cash
Topic: iShares® iBonds® Dec 2023 Term Treasury ETF
Replies: 2
Views: 155

iShares® iBonds® Dec 2023 Term Treasury ETF

Is anyone familiar with this fund or understand it? iShares® iBonds® Dec 2023 Term Treasury ETF https://www.ishares.com/us/products/312444/ishares-ibonds-dec-2023-term-treasury-etf It appears to be a 1 year duration treasury fund with a .07% expense ratio. I stumbled across it looking for the shorte...
by whatchamacallit
Wed Jul 20, 2022 11:31 pm
Forum: Other Discussions
Topic: Car chip shortages
Replies: 3
Views: 156

Car chip shortages

Here is to hoping the end of shortages is near. I saw this video and found this article https://www.youtube.com/watch?v=3lkbuqkul5k https://www.reuters.com/business/autos-transportation/how-china-became-ground-zero-auto-chip-shortage-2022-07-18/ Apparently there is a lot of hoarding going on with ho...
by whatchamacallit
Wed Jul 20, 2022 6:42 pm
Forum: Permanent Portfolio Discussion
Topic: Interesting Link on Portfolios
Replies: 1
Views: 411

Re: Interesting Link on Portfolios

It looks like their basis is what has been feared. Lower bond yields will mean lower future returns. Something interesting I found poking around their website, they have a couple of recommended portfolios they let you view. This one is basically a golden butterfly: https://betterbuyandhold.com/portf...
by whatchamacallit
Mon Jul 18, 2022 10:51 pm
Forum: Gold
Topic: Gold is not an investment
Replies: 35
Views: 2302

Re: Gold is not an investment

I hate gold but still haven't found anything to replace it.

I would love to be able to just swap it for something like a total international fund but it just doesn't perform the same historically.
by whatchamacallit
Mon Jul 18, 2022 9:28 pm
Forum: Cash
Topic: William Bernstein on Cash holdings (T-Bills)
Replies: 11
Views: 1336

Re: William Bernstein on Cash holdings (T-Bills)

.05 percent of 1 million would only be 500 but that is still a lot when you think about how little income you are earning from the etf.

If you earned $20,000, $500 would be 2.5% of your income you earned from the fund.
by whatchamacallit
Mon Jul 18, 2022 2:51 pm
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 5510
Views: 726031

Re: Coronavirus General Discussion

jalanlong wrote:
Mon Jul 18, 2022 11:29 am

Then this morning I saw this at McDonalds:

FEC384AC-D398-4AA6-BCCA-F48AEDF07130.jpg



Are we really going to do this all over again??
Wrong thread. This a monkeypox sign.
by whatchamacallit
Fri Jul 15, 2022 10:52 pm
Forum: Permanent Portfolio Discussion
Topic: Absolutely brutal - 5/5
Replies: 294
Views: 16039

Re: Absolutely brutal - 5/5

One thing I just picked up from a random walk down wall street regarding dividends. It is actually preferred for a company to buy back shares instead of distributing dividends because you pay less tax on capital gains versus dividends. I don't have proof right now but I expect it is now rare for a c...
by whatchamacallit
Tue Jul 12, 2022 3:27 pm
Forum: Other Discussions
Topic: Critique Financial Planner's Plan
Replies: 54
Views: 1506

Re: Critique Financial Planner's Plan

Of course a financial planner wants you to take out a loan to invest with them.

Use the cash position to your advantage to buy the house cheaper. All cash offer quick close to get 10% discount on the house you want.

End result

900k townhouse
400k house
150k cash
by whatchamacallit
Tue Jul 12, 2022 11:33 am
Forum: Permanent Portfolio Discussion
Topic: Bitcoin in the PP?
Replies: 87
Views: 12795

Re: Bitcoin in the PP?

I have come to categorize Bitcoin as just another single stock I shoulda coulda bought. Just like an Amazon, Apple, Tesla stock.

I believe I saw someone else mention this here. If Bitcoin does become something bigger, then owning the stock market will have you invested enough in it.
by whatchamacallit
Tue Jul 12, 2022 11:24 am
Forum: Other Discussions
Topic: Quality Time Left
Replies: 26
Views: 858

Re: Quality Time Left

Would you buy a 3.25% 30 year mortgage? Another way to think about it, If you had a paid for house would you take out a mortgage on it? If so what would you use cash to buy? Maybe I bonds but I wouldn't want to buy stocks or gold. Leave it in cash if you need for emergency fund but you would not be...
by whatchamacallit
Mon Jul 11, 2022 4:14 pm
Forum: Cash
Topic: Does DXY show dollar increasing in value?
Replies: 6
Views: 858

Re: Does DXY show dollar increasing in value?

1 dollar is worth 1 euro today.

https://fortune.com/2022/07/08/euro-dol ... over-time/

Euro lost 20% to dollar over last 14 months
by whatchamacallit
Mon Jul 11, 2022 11:57 am
Forum: Other Discussions
Topic: Quality Time Left
Replies: 26
Views: 858

Re: Quality Time Left

] Do you prefer cash holdings in bank deposits or T-bills? Whatever is paying more. Favorite thing is I bonds right now. It was EE bonds when all rates were so low. EE bonds not so appealing now but they saved me from buying LTT at low rates. CDs could be appealing if rates go higher but they are n...
by whatchamacallit
Mon Jul 11, 2022 11:25 am
Forum: Other Discussions
Topic: Quality Time Left
Replies: 26
Views: 858

Re: Quality Time Left

Cash is my favorite asset as well. I guess it is the at least you know your nominal return factor of it. Just make sure you have at least 25% stocks according to Ben Graham https://www.bogleheads.org/wiki/Graham_75-25_rule And 20% gold according to belangp https://gyroscopicinvesting.com/forum/viewt...
by whatchamacallit
Tue Jul 05, 2022 5:27 pm
Forum: Permanent Portfolio Discussion
Topic: Absolutely brutal - 5/5
Replies: 294
Views: 16039

Re: Absolutely brutal - 5/5

mathjak107 wrote:
Tue Jul 05, 2022 7:04 am
Excellent show and a more positive outlook for the pp and rates . Not so much for the economy though

https://wealthtrack.com/influential-pre ... ar-market/
Good post. I do enjoy listening to David Rosenberg.
by whatchamacallit
Mon Jul 04, 2022 10:35 pm
Forum: Gold
Topic: Safe deposit boxes: Revisited
Replies: 6
Views: 521

Re: Safe deposit boxes: Revisited

I hated having to worry about having gold on hand or in a SDB. It was a relief to sell it and just use ETF.

It was more stressful to worry about what I would mess up with the gold than what the ETF would mess up. At least the ETF has the power of the masses on it's side.
by whatchamacallit
Thu Jun 30, 2022 7:44 pm
Forum: Other Discussions
Topic: Interesting BelangP interview
Replies: 1
Views: 160

Re: Interesting BelangP interview

Nice find.

Only 500 views over the last 3 days. Makes me think about how little interest there is in gold but it does look like a new channel.
by whatchamacallit
Mon Jun 20, 2022 8:06 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 3552
Views: 1110004

Re: The GOLD scream room

Some more on Uganda gold discovery.

https://youtu.be/wNSZ_VIHlWk
by whatchamacallit
Fri Jun 17, 2022 8:35 am
Forum: Gold
Topic: The GOLD scream room
Replies: 3552
Views: 1110004

Re: The GOLD scream room

by whatchamacallit
Thu Jun 16, 2022 6:05 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 3552
Views: 1110004

Re: The GOLD scream room

Uganda says exploration results show it has 31 million tonnes of gold ore https://www.mining.com/web/uganda-says-exploration-results-show-it-has-31-million-tonnes-of-gold-ore/ Story sounds suspicious. Found this article from last year that says otherwise. But the East African nation itself is not r...