Search found 1977 matches

by barrett
Tue Feb 06, 2024 6:16 am
Forum: Other Discussions
Topic: Will following the tips of 'longevity gurus' really keep you healthy to 100? From walking barefoot and ice baths to pump
Replies: 2
Views: 624

Re: Will following the tips of 'longevity gurus' really keep you healthy to 100? From walking barefoot and ice baths to

Didn't read the article, but the one thing I would add to boglerdude's list is having favorable genetics. In fact that may outweigh all other factors put together. Of course, one can't change anything about their genetics. Boglerdude's post outlines several changes that one can consciously take.
by barrett
Mon Feb 05, 2024 2:48 pm
Forum: Other Discussions
Topic: Life Insurance in Retirement
Replies: 1
Views: 140

Re: Life Insurance in Retirement

A few random thoughts... There's obviously no one-size-fits-all answer for this but I cancelled my life insurance last year (at age 64) with about seven years left on a 20-year term. My wife is almost 57 and still has hers. My premium was high(ish) at about $115 per month. In our case our house is p...
by barrett
Sun Dec 31, 2023 3:17 pm
Forum: Other Discussions
Topic: Harry Dent: ‘Crash of a Lifetime’ Coming in 2024
Replies: 15
Views: 47587

Re: Harry Dent: ‘Crash of a Lifetime’ Coming in 2024

Can’t wait to hear what Jeremy Grantham has to say. “ This time…” O0 Or that guy who’s been advertising on the finance news channels for 2 years saying something terrible is coming. Man, this got me thinking about Jim Rickards and the first hit I got was a a podcast from 2/2/23 in which he predicte...
by barrett
Sun Dec 31, 2023 3:05 pm
Forum: Permanent Portfolio Discussion
Topic: 2023 Returns
Replies: 25
Views: 70746

Re: 2023 Returns

a cnbc article states: The benchmark S&P 500 ended the year with a 24.2% gain, … An investor who had $500,000 in the S&P 500 index around 12 months ago, would have roughly $630,000 now, according to an analysis by Morningstar Direct. Without really doing the calculation, wouldn’t that mean not a 24...
by barrett
Sat Dec 30, 2023 4:09 pm
Forum: Permanent Portfolio Discussion
Topic: 2023 Returns
Replies: 25
Views: 70746

Re: 2023 Returns

Don't have an exact number but it looks like our investment accounts are up 14% to 15% this year. Those accounts are roughly 35% stocks, 15% gold and 50% short-term US debt. So we've avoided the negative impact of poor long bond returns but will also lose out should interest rates continue to declin...
by barrett
Mon Dec 04, 2023 6:14 am
Forum: Bonds
Topic: Why This Vanguard Inflation Fighter Gets a High Rating
Replies: 4
Views: 4790

Re: Why This Vanguard Inflation Fighter Gets a High Rating

Curious why you posted this article, Vinny, as it seems to be a plug for this particular fund while expounding on its thoroughly average results. For example: << Given its buttoned-up process, the fund’s long-term performance has been near the median of inflation-protected bond peers. Its Admiral sh...
by barrett
Sat Nov 18, 2023 10:03 am
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 23907

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

Just wanted to add the obvious.. that if the 5/1/24 reset ends up being just a shade over the current 1.3%, it's perhaps advantageous to buy now (or toward the end of January, 2024 if you have already purchased your $10,000 max for 2023) and get the clock ticking a few months sooner. Much depends on...
by barrett
Thu Nov 16, 2023 2:02 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 23907

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

What is the earliest date when the fixed rate forecast becomes more or less accurate? Will it be a couple weeks before May 1st? I want to set up a reminder for myself so I don't miss the narrow window to buy at the current rate if the announced May rate will be lower. Alas, the fixed rate is usuall...
by barrett
Mon Nov 06, 2023 11:40 am
Forum: Bonds
Topic: High TIPS Yields Are a Retiree’s Best Friend
Replies: 6
Views: 11407

Re: High TIPS Yields Are a Retiree’s Best Friend

Quick question, Vinny... Have you actually bought any TIPS yet or are you still just researching them? Have not yet bought any. But when I do it will be significant mega-amounts. The urgency has somewhat been mitigated by the present levels of yield from the Vanguard Treasury Money Market Fund. The...
by barrett
Mon Nov 06, 2023 3:56 am
Forum: Bonds
Topic: High TIPS Yields Are a Retiree’s Best Friend
Replies: 6
Views: 11407

Re: High TIPS Yields Are a Retiree’s Best Friend

Quick question, Vinny...

Have you actually bought any TIPS yet or are you still just researching them?
by barrett
Fri Nov 03, 2023 9:09 am
Forum: Cash
Topic: Selling “cash” SCHO
Replies: 4
Views: 3411

Re: Selling “cash” SCHO

I want sell some of my SCHO etf that has been reinvesting bond yields. Do I sell the purchases that are making money or do I sell the purchases that are down? Or does it make a difference? You didn't specify if this is in a taxable account or not. If not, I don't see why it would make a difference....
by barrett
Tue Oct 31, 2023 3:37 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 23907

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

Thanks for posting that, ocho. I may get my wife to buy some in January. We both did the gift box for 2023 and I don't want to do that again (just a personal preference). I think David Enna's articles are good but I have an issue with this statement: << In my most recent projection I estimated that ...
by barrett
Thu Oct 19, 2023 5:59 am
Forum: Permanent Portfolio Funds
Topic: prpfx
Replies: 3
Views: 7474

Re: prpfx

Found this Morningstar link: https://www.morningstar.com/funds/xnas/prpfx/portfolio If I am reading the numbers correctly, it looks like most of their bonds are short duration corporates with most of those bonds having a BBB rating. If they have been following this strategy of holding lots of lower ...
by barrett
Sat Oct 07, 2023 12:58 am
Forum: Bonds
Topic: The Bond Market Sweet Spot
Replies: 22
Views: 13097

Re: The Bond Market Sweet Spot

Not a bond expert at all, but... The concept of escape velocity is pretty simple, at least as explained in the article Kevin provided in the first post. But the issue I have with the concept as presented is that long duration bonds will always remain unattractive (when just considering escape veloci...
by barrett
Sat Sep 23, 2023 5:36 am
Forum: Gold
Topic: I Thought Gold Would Fare Better in 2022-23
Replies: 63
Views: 86114

Re: I Thought Gold Would Fare Better in 2022-23

https://www.usfunds.com/resource/central-banks-are-buying-gold-at-a-record-pace-so-far-in-2023/ This is after record purchases in 2022. Are there any reasons to explain these purchases besides them knowing something we don’t know? Mostly Russia, China, Turkey, Singapore. Perhaps preferring to buy g...
by barrett
Fri Sep 22, 2023 7:01 am
Forum: Bonds
Topic: TBonds saved me in 2008. Now, not sure what to do now.
Replies: 9
Views: 35976

Re: TBonds saved me in 2008. Now, not sure what to do now.

Double posted something. Sorry about that!
by barrett
Fri Sep 22, 2023 6:58 am
Forum: Bonds
Topic: TBonds saved me in 2008. Now, not sure what to do now.
Replies: 9
Views: 35976

Re: TBonds saved me in 2008. Now, not sure what to do now.

I was really glad I had long term TBonds in 2008. They saved my portfolio. Now it just seems like they'll never come back and the roof will finally cave in. Do I rebalance and buy some more? Or get the hell out? Long bonds to me have always been sort of an Achilles Heel of the PP just because their...
by barrett
Thu Sep 21, 2023 9:49 am
Forum: Bonds
Topic: TBonds saved me in 2008. Now, not sure what to do now.
Replies: 9
Views: 35976

Re: TBonds saved me in 2008. Now, not sure what to do now.

While I don't follow the US market much, it seems both bonds and shares are rather elevated in price. As I couldn't find the 30y bond price, imagine you have 50% 10 year bonds, 25% each shares & gold. Thoughts? 30-year yields are elevated but not their price... which is probably what you meant to w...
by barrett
Thu Sep 21, 2023 5:31 am
Forum: Bonds
Topic: TBonds saved me in 2008. Now, not sure what to do now.
Replies: 9
Views: 35976

Re: TBonds saved me in 2008. Now, not sure what to do now.

I was really glad I had long term TBonds in 2008. They saved my portfolio. Now it just seems like they'll never come back and the roof will finally cave in. Do I rebalance and buy some more? Or get the hell out? Long bonds to me have always been sort of an Achilles Heel of the PP just because their...
by barrett
Tue Aug 29, 2023 12:33 pm
Forum: Gold
Topic: I Thought Gold Would Fare Better in 2022-23
Replies: 63
Views: 86114

Re: I Thought Gold Would Fare Better in 2022-23

Back when kbg was posting on here (I wish he still were), he would often point out that gold was getting weaker or stronger mainly due to which way the US Dollar Index was moving. This data only goes back to 1/1/2000 but is probably worth a look: https://en.macromicro.me/collections/45/mm-gold-price...
by barrett
Wed Aug 16, 2023 2:26 pm
Forum: Bonds
Topic: What happens to I-bonds if rates plummet again
Replies: 46
Views: 32557

Re: What happens to I-bonds if rates plummet again

Sounds good Barrett! Letting the ladders run down is a good escape hatch. And...sounds like you have a fee-only advisor already - ask if they'd be willing to handle financial management & transactions? If so, your wife could always arrange for that if needed when the time comes. An aside - I've not...
by barrett
Tue Aug 15, 2023 6:53 am
Forum: Permanent Portfolio Discussion
Topic: TIPS Ladder vs. PP/GB in retirement
Replies: 45
Views: 22197

Re: TIPS Ladder vs. PP/GB in retirement

While TIPS bonds aren't often discussed here they've certainly been a hot topic of late on mainstream forums like Bogleheads and sites such as Morningstar - in part because for the first time in many years it's possible to construct a ladder of them yielding a 4%+ inflation-adjusted safe withdrawal...
by barrett
Mon Aug 14, 2023 11:06 am
Forum: Permanent Portfolio Discussion
Topic: TIPS Ladder vs. PP/GB in retirement
Replies: 45
Views: 22197

Re: TIPS Ladder vs. PP/GB in retirement

Don't forget that with a 4% 30 year SWR TIPS ladder that assumes all is spent, no residual. For other asset allocations 4% 30 year SWR was around the worst case outcome, left nothing remaining ... but in the more usual/average case tended to leave a very decent residual amount remaining, in some ca...
by barrett
Mon Aug 14, 2023 8:23 am
Forum: Bonds
Topic: What happens to I-bonds if rates plummet again
Replies: 46
Views: 32557

Re: What happens to I-bonds if rates plummet again

Still think the ladders are too complicated, Barrett - what you said about your wife not being able to handle it without you kinda says it all. Well, in general I think you are probably correct, but here are a few things specific to our case: 1) The ladders are not very long (tall?). My TIPS ladder...
by barrett
Thu Aug 10, 2023 7:07 am
Forum: Permanent Portfolio Discussion
Topic: TIPS Ladder vs. PP/GB in retirement
Replies: 45
Views: 22197

Re: TIPS Ladder vs. PP/GB in retirement

OK the discussion has gone a bit into the weeds so I'll try to bring it back around a bit, John Rekenthaler did a good comparison of TIPS, nominal Treasuries and SPIA'S recently: https://www.morningstar.com/bonds/retirement-income-treasury-bonds-tips-ladders-or-annuities TIPS obviously outperform i...