Search found 41 matches

by LittleDinghy
Sun Jun 07, 2020 7:59 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

Can you see your emotional bias coming forth there in that wording? SPY is 5% away from all-time highs. SLYV is still 25% away from all-time highs. Relatively speaking, there's still a lot of room left for SCV to play catch up. If your allocation is to hold 20% SCV, I would just plug your nose and ...
by LittleDinghy
Sun Jun 07, 2020 5:42 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

A chorus of wise advice here I must say - or rather, ruefully admit, since I sold my SCV at a loss a few weeks back and reverted to the PP from the GB. We have a similar story. Earlier this year my wife and I moved SCV-invested money from our employer-provided individual HSA accounts to new HSA acc...
by LittleDinghy
Fri May 01, 2020 7:50 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

Last night I just did my end-of-month adding up of our GB portfolio (our whole nest egg for retirement - 2-1/2 years away for me and 7 years away for my spouse) and was pleasantly surprised to find it had hit a new high, a little larger but essentially the same as its previous high the end of Januar...
by LittleDinghy
Tue Apr 07, 2020 6:37 pm
Forum: Permanent Portfolio Discussion
Topic: Data on Re-balancing Bands for Taxable vs Non-Taxable Accounts?
Replies: 7
Views: 900

Re: Data on Re-balancing Bands for Taxable vs Non-Taxable Accounts?

you don't want to go rebalancing on a whim. You should have some set rules in place. If I were to pick some good rules, I would probably come up with something like 20/30 in non taxable and 15/35 in taxable. Brilliant! Great points. It seems like for taxable accounts that re-balancing is almost a b...
by LittleDinghy
Sat Apr 04, 2020 8:17 pm
Forum: Gold
Topic: Looking for recommendations for investing in paper gold (401k and Roth IRA)
Replies: 17
Views: 1611

Re: Looking for recommendations for investing in paper gold (401k and Roth IRA)

IAU or GLD are what the vast majority of us use for so called paper gold. My preference is IAU because of the much lighter ER. My preference is IAU because of the much lighter ER." About this time a year ago, when I was thinking a lot about how to set up my GB, people on this forum expressed a lot ...
by LittleDinghy
Sat Apr 04, 2020 7:33 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

My simplistic way of potentially dealing with rebalancing a GB (which is just a HBPP + 20% VB for me) was to track the HBPP portion separately and when the HBPP portion hits a 15%/35% limit on any of the HBPP assets I would rebalance everything back to a GB allocation (20% in all 5 assets). My rati...
by LittleDinghy
Wed Mar 25, 2020 5:58 pm
Forum: Other Discussions
Topic: Daily "Check In" Thread For Us
Replies: 1222
Views: 48633

Re: Daily "Check In" Thread For Us

Likewise Sophie. I wish you and yours turn out ok. Hopefully your niece is young!

My wife and I are fine, as is a friend staying with us (who came only after self-quarantining for 15 days)
by LittleDinghy
Sat Mar 21, 2020 8:25 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

"Per the quote below, and others from the thread,Sophie recommends 30% re-balancing bands [20% plus or minus 30% of 20% (=6%), meaning a range of 14% - 26%]. You might wonder, as I did, why she did not recommend a 40% re-balancing band, such as used with the PP (meaning a range of 15%-35% for the P...
by LittleDinghy
Sat Mar 21, 2020 5:52 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

I’m curious about why you choose different rebalancing bands for stocks. Since the GB basically " tilts the [PP] portfolio slightly towards Prosperity " ( https://portfoliocharts.com/2016/04/18/the-theory-behind-the-golden-butterfly/), our thought is that the re-balancing band for stocks should ref...
by LittleDinghy
Sat Mar 21, 2020 3:30 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 134239

Re: Golden Butterfly Portfolio

I"m sharing below our GB allocation percentages; it would be interesting to compare with others' GB (and PP) portfolios. I had gotten into the habit of checking our allocation percentages at the end of every month, and Jan 31 was our highest total portfolio value since starting the GB last June with...
by LittleDinghy
Thu Mar 19, 2020 1:32 am
Forum: Stocks
Topic: Tax-Loss Harvesting Recommendation (Vanguard Total Stock Index)
Replies: 11
Views: 1772

Re: Tax-Loss Harvesting Recommendation (Vanguard Total Stock Index)

I have never tax loss harvested before and need help. On 8/20/2019 we purchased VTMSX (Vanguard tax-managed small cap value mutual fund) in our taxable account; at the time this money represented about 7% of our nest egg (all in our GB portfolio - we have no VP - everything is in the GB). This eveni...