Search found 272 matches

by InsuranceGuy
Tue Mar 24, 2020 3:14 pm
Forum: Variable Portfolio Discussion
Topic: Strategically taking a 401k loan and/or no-penalty withdrawal
Replies: 20
Views: 354

Re: Strategically taking a 401k loan and/or no-penalty withdrawal

You take the money out of the account and pay tax on it, fair because you didn't pay tax on it going in. For a loan you do not pay tax when you withdraw. You still pay the loan back with after tax money, correct? Or do you pay it back with pre-tax deductions? If the former, that's double taxation. ...
by InsuranceGuy
Tue Mar 24, 2020 12:41 am
Forum: Variable Portfolio Discussion
Topic: Strategically taking a 401k loan and/or no-penalty withdrawal
Replies: 20
Views: 354

Re: Strategically taking a 401k loan and/or no-penalty withdrawal

sophie wrote:
Mon Mar 23, 2020 9:47 pm
You take the money out of the account and pay tax on it, fair because you didn't pay tax on it going in.
For a loan you do not pay tax when you withdraw.
by InsuranceGuy
Wed Mar 04, 2020 10:49 pm
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly rebalancing bands
Replies: 13
Views: 2501

Re: Golden Butterfly rebalancing bands

Interestingly, doing a quick backtest showed that the best results for a GB were with rebalancing bands around 5%/35%. Here are the stats for a backtest on 1970-2019: 15%/25% - 10.1% CAGR - 21.5% MaxDD - 5.7% Min10Yr - 0.70 Trades/Yr 10%/30% - 10.5% CAGR - 23.0% MaxDD - 5.9% Min10Yr - 0.26 Trades/Yr...
by InsuranceGuy
Mon Mar 02, 2020 9:31 am
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 1018
Views: 21567

Re: Coronavirus General Discussion

A rare fact check in Trumps favor about the hoax comment. https://checkyourfact.com/2020/02/29/fa ... ina-rally/
by InsuranceGuy
Fri Feb 28, 2020 12:24 pm
Forum: Variable Portfolio Discussion
Topic: PP Inspired Momentum - A Comprehensive Approach
Replies: 68
Views: 20752

Re: PP Inspired Momentum - A Comprehensive Approach

It's been a brutal month to be leveraged in Stocks. No model change for the month, I'll update the YTD returns with losses after close today. Stay tuned for next month.

IG
by InsuranceGuy
Sat Feb 22, 2020 11:13 pm
Forum: Variable Portfolio Discussion
Topic: PP Inspired Momentum - A Comprehensive Approach
Replies: 68
Views: 20752

Re: PP Inspired Momentum - A Comprehensive Approach

You are correct, prospectus is the correct term.
by InsuranceGuy
Sat Feb 22, 2020 3:56 pm
Forum: Variable Portfolio Discussion
Topic: PP Inspired Momentum - A Comprehensive Approach
Replies: 68
Views: 20752

Re: PP Inspired Momentum - A Comprehensive Approach

I find fund perspectives to be less than helpful as well.
by InsuranceGuy
Mon Feb 17, 2020 3:04 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 240
Views: 12504

Re: PP vs Dividend Growth Investing

So maybe what Mathjak and InsuranceGuy are saying is true, that everybody will be a winner without dividends, as long as it's true that the company keeps going, and growing, forever without limits. And that what I say is true if the company will eventually stop operating. I guess I don't see what y...
by InsuranceGuy
Mon Feb 17, 2020 1:55 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 240
Views: 12504

Re: PP vs Dividend Growth Investing

InsuranceGuy, I'm not sure what you're saying on how swapping around cash and shares for the same shares is not a zero-sum game. Are you considering realized gains, or just theoretical gains? I'm not saying anything about gains, only that earnings for investors are created regardless of distributio...
by InsuranceGuy
Mon Feb 17, 2020 11:42 am
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 240
Views: 12504

Re: PP vs Dividend Growth Investing

InsuranceGuy, I'm not sure what you're saying on how swapping around cash and shares for the same shares is not a zero-sum game. Are you considering realized gains, or just theoretical gains? I'm not saying anything about gains, only that earnings for investors are created regardless of distributio...
by InsuranceGuy
Mon Feb 17, 2020 10:37 am
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 240
Views: 12504

Re: PP vs Dividend Growth Investing

Can we all just agree you're both wrong? Sorry, I'm just kidding I just couldn't resist. Given the discussion we should probably step back to clarify some terminology so that we can have a thoughtful discussion. I think we can all agree investors buy stocks to own part of their future earnings. They...
by InsuranceGuy
Thu Feb 13, 2020 11:31 pm
Forum: Other Discussions
Topic: Health insurance
Replies: 42
Views: 3403

Re: Health insurance

There are multiple mechanisms to protect policyholders from insurer insolvency: 1) rating agencies and reserve requirements have been improved substancially since the financial crisis 2) every state has guarantee funds that insurers must contribute to as a condition of doing business in that state t...