You've been using the PP for 17 years?? Wow, there is a story there if you want to tell it? 17 years ago there were not a lot of people on that bandwagon. That's the kind of long view I hope to have about 12 years from now. It's a refreshing perspective, compared to loading up on angst over the per...

Agree, you can vary your allocations but after that you have to stick to it to make it work. The funny thing is, I have 17 years PP experience (I have a 20 % Gold allocation) and I did my calculations this weekend (I do that quarterly). And beside the 13 % yield Year to Day, really not normal !, the...

And whats the intent of the regulations To protect the customer. The products of the EFT provider should be in the language of the buyer of the EFT. So if you live in Norway the EFT product information should be in Norwegian. I doubt if Vanguard knows where Norway is. So it is stupid antique regula...

Thx. Top.

My Euro PP: -1.41% A generic Euro PP of four ETFs: CEU -12.14% MSCI Europe Index MTH 5.29% 25+year bonds GBS 3.09% Gold C13 -0.33% 1-3 year bonds Combined -1.02% Interesting that the best performer in Europe was long bonds, which many people (including me) thought should be abandoned because of ris...

European PP: -0,4 %
My own version with 40 % global equities: -1,1 %.

European PP is exactly 0,0 % for Q1 2018.

sophie wrote:Once again, I'm pretty sure we are all predicting bonds will go down. How many years and counting has that prediction been made, and turned out false?

This might very well be the year when it happens...we'll see.

12 years ?

Only 2,1 % due to the depreciation of the dollar against the Euro.

Now, my advice is to be made to my brothers, not for my neighbors. I think I should spread the word inside the family. Am I right? Never this happened to you? Several years ago I gave copies of "Fail Safe Investing" to both of my brothers and also my brother-in-law. The last time I checke...

Of course it will, the government has pumped billions into the economy. That money will also go out again, so inflation and thus the cash yield rates will increase. It may be next year or over 10 years but it will happen. And when inflation is rising it is very hard to control it so it may be quite ...

Thx, the figures slightly differs but the conclusion is the same; it wont make you rich but it is the best sleep well approach.

Yep Dutch, Sorry. no CAGR. I used this just as an benchmark against my own portfolio (10% cash, 20 % gold, 30 % LT Bonds, 40 % Equities // average yield 6,4 % so slightly better). I dont have inflation figures but I think you can google them. My guess is around 2% for this period. So real return wil...

I have results starting in 2002. based on 25 % distribution every year with the following EFT: iShares Barclays Euro Government Bond 1-3 (IBGS) iShares € Government Bond 15-30 ETFS Physical Gold (PHAU) iShares MSCI World UCITS ETF DIST PP index PP index 2002 -2,4% -2,4% 2003 5,6% 3,2% 2004 6,4% 9,6%...

Also Dutch.

De Giro: cheap but very simpel functionality
Binck: not so cheap but very friendly interface
Lynx: the best functionality (far too much) and cheap but lousy user-interface (for PP people, is meant for treaders.).

frugal wrote:IBCL



Regards

I uses IBGL (which is the same) 75 % and PIMCO 25 Yr Zro Cupn US Ty Inx Fd ETF (25 %).

Back to topic ? No, we are not wrong, because we believe in passive, low-expense-ratio, well-diversified investing. In fact, our investing is actually better diversified than the typical stock/bond portfolio, because we also hold a valuable commodity (gold) which is uncorrelated with stocks/bonds. Y...

I have learned about the Permant Portfolio in 2002. I dont know when I discovered this forum In 2002 I had about 70 % equities allocations so I moved to a modified PP [40% stocks, 20% gold, 30% LTT, 10% cash $/€ mixed]. With an average yield over 15 years of 6,1 % I have no reason to change the stra...

It sounds like Gerard is holding a USD PP, and that some of the return this past year was the dollar increasing against the euro. That worked out well this year, but you've taken on some currency risk that may not be necessary. The gold component is enough currency risk, since its price in local cu...

PP vanille:
Equities (40%), LT Bonds (30%), Gold (20%), Cash (10%) with a bandwidth balancing of 10%.

Performance 2016: 10,6 %. Thx to the rising of the $ to the €. And I sold some covered calls.
Since 2002: 6,9 %.

See my sloppy website:
http://www.verstandig-beleggen.nl/index.php?paginaid=7

A crash? Give me a break you Chicken Littles. A crash is when you lose almost 30% in a day aka October 19 ,1987. That's probably gonna happen if Trump wins the election. That I remember; I started investing on October 12, 1987 with $ 10.000,- gift from my mother. I lost $ 3000 that day and i phoned...

Performance               Cash  LT Bond Gold Equities Portfolio Permanent Portfolio Investement  Banks Dividend (2013) YTD 2015                   8,5%   3,8% -3,0% 6,0%     3,9%         1,7%               4,5%                 -2,0% Average 2002 /present 4,9%   9,5%   9,6% 6,0%     9,3%         6,2% ...

Funny, an other Dutch member. Are there more Dutch people active here ?

Thx, thought so. Always the choise between risk and yield. I think that if they don't drop Greece, they certainly won't exit Italy.

Thanks, I saw it too.
Did you analyse the difference with iShares Euro Government Bond 15-30yr UCITS ETF (IBGJ).
The duration seems longer (better ?!) but the yield is lower ?