Search found 688 matches

by rocketdog
Tue Dec 31, 2019 10:53 pm
Forum: Variable Portfolio Discussion
Topic: Tactical Asset Allocation + HBPP an intriguing combo
Replies: 420
Views: 108034

Re: Tactical Asset Allocation + HBPP an intriguing combo

Hence my point: "if you were a buyer of stocks during that period (rather than selling in a panic), then you made out like a bandit."

Ignore drawdowns to your benefit, or ignore them at your perile. After all, it's your money.
by rocketdog
Tue Dec 31, 2019 1:46 pm
Forum: Variable Portfolio Discussion
Topic: Tactical Asset Allocation + HBPP an intriguing combo
Replies: 420
Views: 108034

Re: Tactical Asset Allocation + HBPP an intriguing combo

People obsess over max drawdowns WAY too much. Unless you're in retirement (or close to it) you should ignore drawdowns entirely. In fact, you should greedily view them as ideal buying opportunities. The market only took 3 years to completely recover from the Great Recession, and that was after a dr...
by rocketdog
Tue Dec 31, 2019 10:11 am
Forum: Variable Portfolio Discussion
Topic: Tactical Asset Allocation + HBPP an intriguing combo
Replies: 420
Views: 108034

Re: Dual Momentum GEM + HBPP a great combo, easy to test

I have almost entirely exited US equities. I bought CWI ETF of global stocks excluding US. VEU is another choice. This was the May 31 Dual Momentum signal. It feels strange. Now the financial news is oddly not relevant. I'm dependent on Mario Draghi, PBoC, BOJ more than Yellen. It's fun to look at ...
by rocketdog
Tue Dec 31, 2019 9:51 am
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 448
Views: 98010

Re: Golden Butterfly Portfolio

I only keep 60% of my HSA portfolio in the HBPP. I divide up the other 40% by putting 10% each into:
  • Small Cap Value
  • US REIT
  • Foreign Developed Markets
  • Diversified Emerging Markets
Working nicely for me so far.
by rocketdog
Tue Dec 31, 2019 9:46 am
Forum: Variable Portfolio Discussion
Topic: Amazon.com: Making their workforce disappear
Replies: 25
Views: 4343

Re: Amazon.com: Making their workforce disappear

It's not the drones we need to fear... it's the nanobots:
https://en.wikipedia.org/wiki/Prey_(novel)
by rocketdog
Tue Dec 31, 2019 9:36 am
Forum: Permanent Portfolio Discussion
Topic: 401K rules are changing
Replies: 3
Views: 343

Re: 401K rules are changing

The other change is the elimination of the so-called "Stretch IRA":
https://www.kiplinger.com/article/retir ... heirs.html
by rocketdog
Tue Apr 23, 2019 1:08 pm
Forum: Variable Portfolio Discussion
Topic: Tesla Motors
Replies: 130
Views: 40994

Re: Tesla Motors

Whitney "The Prophet" Tilson is making the case for TSLA dropping to $100 by year's end:

https://empirefinancialresearch.com/art ... or-tesla-2
by rocketdog
Thu Dec 07, 2017 12:54 pm
Forum: Permanent Portfolio Discussion
Topic: TD Ameritrade changing commission-free ETFs
Replies: 23
Views: 9309

Re: TD Ameritrade changing commission-free ETFs

My wife's HSA is at TDAmeritrade as well so here are the changes I made (I hate paying commissions if I can avoid them): Gold = IAU (unchanged, and not commission free, but no commission-free options exist). Long-term Treasuries = SPTL Stocks = SPTM Cash = None (I don't believe in holding cash until...
by rocketdog
Thu Dec 07, 2017 12:22 pm
Forum: Permanent Portfolio Discussion
Topic: Re-balance instantly or wait a little while?
Replies: 23
Views: 7740

Re: Re-balance instantly or wait a little while?

Another option: Sell an equal amount of whatever has gone down (I'm guessing gold?) to offset the gain in stocks. The loss on gold will offset the gain on stocks. Then, wait 31 days (to avoid the wash sale rule) and repurchase gold (or whatever you need to get back in balance). Consult a tax prepare...
by rocketdog
Wed Nov 09, 2016 8:59 am
Forum: Other Discussions
Topic: The Permanent Supplement Regime
Replies: 263
Views: 123704

Re: The Permanent Supplement Regime

Assuming you don't suffer from a chronic health condition, the human body does not need supplements in pill form if you eat a healthy, varied diet. That said, I take these supplements: Multi-vitamin - Doctor recommended as a "safety net" just in case I'm missing anything in my vegetarian diet (unlik...
by rocketdog
Wed Nov 09, 2016 8:44 am
Forum: Other Discussions
Topic: The Permanent Tooth and Gum Care Regime
Replies: 159
Views: 93722

Re: The Permanent Tooth and Gum Care Regime

The evidence in support of flossing is weak at best, and probably non-existent: Weak, unreliable evidence suggests flossing plus toothbrushing may be associated with a small reduction in plaque http://www.nature.com/ebd/journal/v13/n1/abs/6400835a.html The Medical Benefit of Daily Flossing Called In...
by rocketdog
Mon Mar 14, 2016 10:21 pm
Forum: Permanent Portfolio Discussion
Topic: Resurrecting the debate of Leverage using a house
Replies: 16
Views: 4495

Re: Resurrecting the debate of Leverage using a house

1) If you can't afford to pay cash for the home, you can't afford it. So... no one should ever finance anything?  Not even a college education?  That's not very realistic now, is it?  Top-rated financial advisor Ric Edelman says there are 11 Great Reasons to Carry a Big, Long Mortgage .  Personally...