Search found 46 matches

by fishdrzig
Tue Jul 14, 2015 8:37 pm
Forum: Variable Portfolio Discussion
Topic: Physical alternatives to precious metals?
Replies: 20
Views: 7166

Re: Physical alternatives to precious metals?

Pull and save as many of your kids primary teeth for future stem cell research auctions.
by fishdrzig
Sun Jul 12, 2015 6:54 am
Forum: Permanent Portfolio Discussion
Topic: The Correlated Risk Parity PP
Replies: 159
Views: 26267

Re: The Risk Parity PP

Mathjak107 You know, I have now read your many responses and the premise to this thread.  I cannot argue with logic, I am 50, so probably still have 10-15 years left to accumulate.  I have been in the PP for a couple of years and agree, I have just preserved what I have, not much gain.  My initial p...
by fishdrzig
Sun Jul 05, 2015 6:38 pm
Forum: Cash
Topic: best etf for cash?
Replies: 18
Views: 14855

Re: best etf for cash?

I own BIL as my cash portion.  It is all in a tax advantaged IRA account, so in reality is not liquid.  My question is if I am using BIL as my CASH portion and my emergency fund, would it be better to have this in a taxable account for liquidity in case of an emergency or just keep it where it is?
by fishdrzig
Sun Jul 05, 2015 9:17 am
Forum: Permanent Portfolio Discussion
Topic: If I go PP, do I still need a Cash Emergency Fund?
Replies: 27
Views: 12582

Re: If I go PP, do I still need a Cash Emergency Fund?

So for the emergency fund, it is best to just have it all in a MM fund or T-bills ETF BUT in a taxable account, correct?  The reason for the taxable account is because of liquidity, correct?
by fishdrzig
Sat Jul 04, 2015 1:24 pm
Forum: Permanent Portfolio Discussion
Topic: Spreadsheet
Replies: 38
Views: 16588

Re: Spreadsheet

Kind of hard to follow and now is two years old.  Anyone have a link to a current one?
by fishdrzig
Fri Jul 03, 2015 7:38 pm
Forum: Permanent Portfolio Discussion
Topic: Spreadsheet
Replies: 38
Views: 16588

Re: Spreadsheet

Just a workable rebalancing spreadsheet
by fishdrzig
Fri Jul 03, 2015 7:29 pm
Forum: Permanent Portfolio Discussion
Topic: If I go PP, do I still need a Cash Emergency Fund?
Replies: 27
Views: 12582

Re: If I go PP, do I still need a Cash Emergency Fund?

What ETF would you recommend as CASH for the taxable account/emergency fund?
I am presently using VMLTX which is liquid and pays off dividends tax deferred.  All my other CASH is in BIL in tax advantaged accounts presently.
Any thoughts on this?
by fishdrzig
Fri Jul 03, 2015 6:36 pm
Forum: Permanent Portfolio Discussion
Topic: Spreadsheet
Replies: 38
Views: 16588

Spreadsheet

Can someone post a link to the most current spreadsheet for the 4 x 25 HBPP.  Thank you
by fishdrzig
Sun May 24, 2015 6:15 pm
Forum: Variable Portfolio Discussion
Topic: Reits as a % of the variable portfolio?
Replies: 4
Views: 2935

Re: Reits as a % of the variable portfolio?

Well you may be right in that VTI has REITS, but VXF has a higher % in REITS, so I may just use this ETF for my Stock portion of the 4 x 25, instead of buying REITS separately.
by fishdrzig
Sun May 17, 2015 3:47 pm
Forum: Variable Portfolio Discussion
Topic: Reits as a % of the variable portfolio?
Replies: 4
Views: 2935

Reits as a % of the variable portfolio?

Does anyone here add Reits (eg  VNQ) as a % to the 4 x25?
If so, what %  and what does the rest of the VP look like?
If not, why is it not a good idea?  Thanks
by fishdrzig
Sun May 17, 2015 3:41 pm
Forum: Permanent Portfolio Discussion
Topic: Where to draw down from?
Replies: 8
Views: 3093

Where to draw down from?

Just a general question
    At retirement, what part of the 4 x25 does one draw from?  Sorry if this is a stupid question
by fishdrzig
Sat Apr 25, 2015 12:50 pm
Forum: Stocks
Topic: Going all in for VTI??
Replies: 14
Views: 8764

Re: Going all in for VTI??

dualstow wrote: Are you saying you have your gold, cash and bonds and no stocks at the moment?
Yes
by fishdrzig
Sat Apr 25, 2015 7:34 am
Forum: Stocks
Topic: Going all in for VTI??
Replies: 14
Views: 8764

Going all in for VTI??

Alright, I expect to get chewed out here for not going all in 4x25 from the outset but I have all allocated except for VTI.  If you were in my shoes (and hopefully you are not) now, what would be your strategy for entry into VTI going forward??  Thanks for the responses.
by fishdrzig
Sat Apr 18, 2015 7:26 am
Forum: Permanent Portfolio Discussion
Topic: How to answer this question?
Replies: 29
Views: 8542

How to answer this question?

I had a discussion last night with a friend of mine about the HB PP 4x25. He does think this portfolio is a good one but his answers to my inquiries were if you have 15 years left to invest before retirement - why would you not increase the equity % and just convert your entire portfolio over to the...
by fishdrzig
Sat Apr 11, 2015 4:55 am
Forum: Stocks
Topic: VT instead of VTI?
Replies: 12
Views: 7683

Re: VT instead of VTI?

Actually I think I will create my stock  portion as 2/3 VXF and 1/3 VT.  This will give me about 5% international exposure.
by fishdrzig
Wed Apr 08, 2015 10:30 am
Forum: Stocks
Topic: VT instead of VTI?
Replies: 12
Views: 7683

VT instead of VTI?

Any ideas on VT over VTI for the 25% stock portion of the PP?
by fishdrzig
Tue Mar 24, 2015 7:51 pm
Forum: Permanent Portfolio Discussion
Topic: Only PP no VP for this list
Replies: 12
Views: 5030

Re: Only PP no VP for this list

For those of you who keep part of the CASH portion in your HSA, is that portion in a fund also within the HSA.
by fishdrzig
Tue Mar 24, 2015 6:27 pm
Forum: Cash
Topic: Is this appropriate for my CASH holdings?
Replies: 9
Views: 5106

Re: Is this appropriate for my CASH holdings?

1/2 VFISX  1/2 BIL Yes this seems fine. I think 100% BIL and "scraps" of VMMXX would be better. IMO, keep it simple stupid (KISS), put practically all cash in T-bills as instructed, and move on. In one of my accounts I have 100% of my cash in VMMXX, which is not ideal, but IMO is just barely accept...
by fishdrzig
Mon Mar 23, 2015 8:19 pm
Forum: Permanent Portfolio Discussion
Topic: Explain please
Replies: 4
Views: 2039

Re: Explain please

AHHHHHHH  yes,  now I get it.  Thanks
by fishdrzig
Sun Mar 22, 2015 8:47 am
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 77
Views: 27245

Re: Replacing Cash with VWINX, the results look juicy

Hey Ozzy

How did the Juicy Portfolio do against a traditional HPP last year?
Any way you can run/backtest your portfolio against HPP for as far back as you can?
At least for me this would be a helpful comparison.  Thank you
by fishdrzig
Sun Mar 22, 2015 8:44 am
Forum: Permanent Portfolio Discussion
Topic: Explain please
Replies: 4
Views: 2039

Explain please

"So, even though gold doesn’t generate interest or dividends, it can produce capital appreciation (price goes up) and those profits can be harvested and used in a balanced and diversified portfolio to produce real returns." Could someone explain this quote to me like am a second grader please? Thank...
by fishdrzig
Sun Mar 22, 2015 8:12 am
Forum: Cash
Topic: Is this appropriate for my CASH holdings?
Replies: 9
Views: 5106

Is this appropriate for my CASH holdings?

1/2 VFISX  1/2 BIL

I would prefer to be all in Vanguard but the Admiral share Treasury Money Market account(VUSXX)count (is closed to new investors and right now I have all my CASH in VMMXX.  I would like to get a little yield anyway.  Any advice here?  Thanks
by fishdrzig
Sun Mar 22, 2015 6:23 am
Forum: Permanent Portfolio Discussion
Topic: Only PP no VP for this list
Replies: 12
Views: 5030

Only PP no VP for this list

I though it would be interesting for only those doing the true PP to post what exactly they hold  and how they are holding it.  For example the breakdown in % of each of the 4 parts in detail.  Thanks for posting.
by fishdrzig
Sat Mar 14, 2015 7:14 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 77
Views: 27245

Re: Replacing Cash with VWINX, the results look juicy

Hello Ozzy

Wow, surprised to hear you are giving up the VWINX fund.  Here is what I have decided to go with for my portfolio:

VWENX
IAU
EDV
VIOO
IVOO
VSS                                    The percentages come out to be about 50% stocks, 35% bonds, 15% gold
by fishdrzig
Sat Mar 14, 2015 5:47 am
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 77
Views: 27245

Re: Replacing Cash with VWINX, the results look juicy

Hey Ozzy
  Just out of curiosity why didn't you include REITS or TIPS?
I have a modified portfolio similar to yours and will be finalizing it today so will post it later.