Perhaps he's conflating with PRPFX, which Harry also designed before streamlining things with a 4 x 25% approach. Per The Permanent Portfolio Group of Funds site, current mix of PRPFX follows-- looks like PRPFX is replacing the HBPP'S LTT portion with Francs, and real estate & natural resources ...

Alas, it's paywalled. Could you repost to the forum with a gift link, or does anybody know a hack to view this article? I know it's not a "true" 4x25 HBPP but PRPFX is showing returns of +8.15% YTD, and + 18.3% for the last 12 months. Compare that to IWV (Russell 3000 ETF) at -3.67% YTD an...

I've been wrestling with this topic myself. I have STT's as my cash component (SHY + SCHO), and I been underwater on them for years . They've only started to inch closer to break even, but it's been a slog, and I'm in no mood to DCA those out of the hole- not when my gold and equities have been doin...

Funny, I was thinking of starting a new topic, named "Whither TLT?" or some such thing. Apparently, of all the ETFs out there, TLT was one of the (if not THE) single hardest hit over the last few years, and the value of my TLT holdings was underwater by 33% not terribly long ago (now it's ...

The always excellent TIPS Watch site recommends prospective I-Bond investors purchase by EOM October 2024, due to a noticeably reduced Variable Rate of 1.90 in November and a projected reduced Fixed Rate. Link to story: https://tipswatch.com/2024/10/10/september-inflation-sets-i-bonds-new-variable-r...

In "Fail Safe Investing," Harry Browne mentioned Austrian banks as an option to store physical gold, and even gave some bank names and contact information and tips to have the bank arrange the entire transaction on one's behalf. HB praised Austrian banks because bank security and privacy c...

+12.99% YOY after a rebalance (and dividends reinvested), though I'm still slightly overweighted in cash, and underweight in LTT. After the bloodbath that was 2022, I'll take it!

I had the very great honor of meeting and corresponding with Harry Browne, and I've read "Fail-Safe Investing" multiple times. So I know Harry would chuckle at my feeble attempts to time the market but... at what point should I rebalance my TLT (now dipping below the 15% band) with the lar...

After reading TIPSwatch's reliably excellent analysis (link below) on where the fixed rate is going to land on May 2023 I-Bonds, I'm a very strong lean to a May purchase. I buy for the long haul, a fixed rate hike seems very likely based on past trends, and the article shows the break even point any...

Check AAAU. When I originally purchased shares, it was issued by the Perth Mint, and shares are exchangeable for physical gold. Now run by Goldman Sachs, but still exchangeable.

Interestingly, the Permanent Portfolio Fund, PRPFX, has real estate exposure, one of its notable deviations (along with Swiss Francs and silver) from the HBPP. As of this writing, PRPFX is down 13.83% YTD.

ps: On the gold front...I'm curious how many people actually hold cold outside of their home country? I'm looking at the Perth mint...we still need to do some more research...hell maybe I'll become a real libertarian when it's all said and done! I was surprised when my wife didn't completely roll h...

Interesting, in that the PP ETF, PRPFX, deviates from the HBPP with additional investments in silver, Swiss Francs and... real estate. Not that it's any great shakes, but PRPFX was (just barely) ahead for the year as of earlier this week, but took a tumble starting Wednesday.

Yup, took the plunge in late October myself. The NEXT, obvious question is when, and how much to invest in I Bonds in 2022? Plunk that $10k down in January to take full advantage of that sweet, sweet 7.12% rate? Do it in April or even later once the next period's rate is known? Or split two- $5k inv...

So, silly question: if I were to buy now, will I enjoy 2 weeks at 3.54%, and then everything resets to the 7.12% rate... Or would I be locked in to 3.54% for 6 months?

In other words, buy now, or wait until 11/1?

Just received my 6/28/20 PRPFX statement (again, I haven't contributed to this fund in a decade+, having since moved to a HBPP 4x classes approach).

Comparing dollars-to-dollars (automatic dividend reinvest, so YMMV):

YTD 2020 +2.7%
YOY (6/28/19 to 6/28/20) +8.4%

I haven't contributed to PRPFX in nearly a decade , and lost 6% on it in 2018. So I was pleasantly surprised by my YTD statement telling me that my PRPFX increased by 10.79% through 6/28/19. After last year's notable divergence between HBPP and PRPFX results, I'll take it!

Well whaddya know? The 4x25 HBPP works. Without touching a thing(*) my personal portfolio was down only 1.97% for 2018, and it actually rebalanced itself. I only check my portfolio twice a year-- when I do my yearly rebalance and my year end check-in. Stocks: IWV(*) Bonds: TLT(*) Cash: Capital One 3...

To the OP's question, I too am starting to feel that parts of my PP may be better served outside of my Roth. I hold physical gold in a safe deposit box, but the balance of my PP is in an ETrade Roth- 33% IWV, 33% TLT and 33% SHY + SCHO, rebalanced annually. Like the OP, I'm less than thrilled with t...