Search found 10 matches

by gull1
Sun Sep 08, 2019 7:14 am
Forum: Bonds
Topic: Bonds and IRAs
Replies: 16
Views: 7302

Re: Bonds and IRAs

In Craig's PP book it says p245 - tax deferred accounts (401k/IRAs) should be used for lease tax-efficient assets first (those that produce interest and dividends). Assets should go into tax sheltered accounts int he following order: bonds, cash, stocks, gold. Do folks generally agree with that? Com...
by gull1
Tue Sep 03, 2019 10:32 am
Forum: Other Discussions
Topic: Long Term Care Insurance
Replies: 9
Views: 1925

Re: Long Term Care Insurance

I have personal experience with policies and have experience in the care-providing business. I don't know what the ROI on some of these policies can be but it does seem like most of the LTCI have gone out of business, those that exist often make it very difficult to bring claims and to reimburse and...
by gull1
Tue Sep 03, 2019 2:42 am
Forum: Variable Portfolio Discussion
Topic: Ray Dalio inspires a risk parity ETF
Replies: 3
Views: 6472

Re: Ray Dalio inspires a risk parity ETF

Interesting. Do you think this might compliment a PP? Seems to have some similar asset allocation. I checked out the Canadian ETF which started in 2016. Not exactly knocking my socks off but short history. https://www.horizonsetfs.com/etf/HRA
by gull1
Mon Sep 02, 2019 11:43 am
Forum: Bonds
Topic: Puerto Rico’s Bankruptcy Plan Is Almost Done And Bondholders Are Going To Get Screwed
Replies: 7
Views: 5669

Re: Puerto Rico’s Bankruptcy Plan Is Almost Done And Bondholders Are Going To Get Screwed

Were insured PR bonds ever under offer and if so how would those holders fair in this type of situation?
by gull1
Mon Sep 02, 2019 11:10 am
Forum: Variable Portfolio Discussion
Topic: focus on income in VP?
Replies: 15
Views: 6940

Re: focus on income in VP?

I don't have a set strategy on how to use them. Ladder, barbell, coupon, no coupon, it all depends on your needs and wants. I was going to use them alongside Treasuries to provide extra yield on badly "sagged" parts of the yield curve. Would you consider iShares AGZ? or does that get too watered do...
by gull1
Mon Sep 02, 2019 9:13 am
Forum: Variable Portfolio Discussion
Topic: focus on income in VP?
Replies: 15
Views: 6940

Re: focus on income in VP?

This seems to make some sense to me. A bit riskier than treasuries (which I already am exposed to in PP) but with a little better yield. Is there a specific strategy to pursue to build a portfolio of agency bonds? Ladder them? Longest term? I did a quick look over at Fidelity secondary market, they ...
by gull1
Sat Aug 31, 2019 5:19 pm
Forum: Variable Portfolio Discussion
Topic: focus on income in VP?
Replies: 15
Views: 6940

Re: focus on income in VP?

Kbg wrote:
Sat Aug 31, 2019 11:03 am
WFC.L preferred stock. current yield 5.1%

BAC.L 4.9%

Both are perpetual unless the common gets to a certain level
Dumb question, but what reassurance do you have to get back your principal if the company has issues?
by gull1
Sat Aug 31, 2019 7:53 am
Forum: Variable Portfolio Discussion
Topic: focus on income in VP?
Replies: 15
Views: 6940

focus on income in VP?

It definitely seems HB talks about speculation in the VP. If one is closer to retirement and wanting to bolster their income, do folks have a suggestion for how to assemble a VP that performs that role? Perhaps a blend of CD, annuities, AAA-insured munis or treasuries? Perhaps with a small portion i...
by gull1
Mon Aug 12, 2019 6:49 am
Forum: Variable Portfolio Discussion
Topic: Tyler's Pinwheel Portfolio
Replies: 20
Views: 6960

Re: Tyler's Pinwheel Portfolio

Ooh... Thanks for referencing that! I love that book, but apparently forgot about his portfolio recommendation. Looks like I'll be re-reading it soon. :) Hey Tyler + All, So I have been looking at the Pinwheel (PW) in comparison to the PP. A few questions: 1. Tyler says the PW is for someone who "I...