Search found 50 matches

by jalanlong
Thu Mar 26, 2020 10:18 am
Forum: Permanent Portfolio Discussion
Topic: Desert Portfolio vs PP
Replies: 4
Views: 224

Desert Portfolio vs PP

Any ideas as to why the Desert Portfolio as outeperformed the PP so handily since 1983? Is it strictly the drag of 25% gold vs 10% gold?
by jalanlong
Thu Mar 26, 2020 8:49 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 350

Re: Negative 1 and 3 Month Treasury Rates

Do yourself a favor and buy a treasury only money fund with the idle cash. I had some cash at a broker in 2008 where the sweep fund was the Reserve Fund. The broker didn't fail, but Reserve did. It took months to get access to the money and I got something like 80 cents on the dollar with no intere...
by jalanlong
Thu Mar 26, 2020 8:00 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 350

Re: Negative 1 and 3 Month Treasury Rates

If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. By “uninvested,” you mean invested in your brokerage account’s settlement fund, which I believe is generally some kind of money market fund. Might want to look under that hood. I don’t believe so. I...
by jalanlong
Wed Mar 25, 2020 8:52 pm
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 350

Re: Negative 1 and 3 Month Treasury Rates

If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. By “uninvested,” you mean invested in your brokerage account’s settlement fund, which I believe is generally some kind of money market fund. Might want to look under that hood. I don’t believe so. I...
by jalanlong
Wed Mar 25, 2020 7:29 pm
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 350

Re: Negative 1 and 3 Month Treasury Rates

Right now I own 4 ETFs for the 4 PP assets. If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. It would earn .01% probably. Better than negative I guess.
by jalanlong
Wed Mar 25, 2020 11:23 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 350

Negative 1 and 3 Month Treasury Rates

https://www.cnbc.com/2020/03/25/negative-rates-come-to-the-us-1-month-and-3-month-treasury-bill-yields-are-now-negative.html I have my 25% cash position in the GBill Etf which is pretty much the same as SHV. If rates stay negative, what effect would that have on those ETFS that own treasuries of und...
by jalanlong
Tue Mar 24, 2020 4:27 pm
Forum: Permanent Portfolio Discussion
Topic: Fed Going Nuclear - Will the PP get radiation poisoning?
Replies: 41
Views: 906

Re: Fed Going Nuclear - Will the PP get radiation poisoning?

I have been contemplating this very thing. The Fed is now buying corp bond ETFs to keep that market afloat. I assume at some point they could elect to purchase stocks to place a floor under that market as well. That is when I start to get worried. It is like going to a casino and they tell you up fr...
by jalanlong
Sun Mar 22, 2020 1:57 pm
Forum: Stocks
Topic: DIY individual stock fund
Replies: 47
Views: 22782

Re: DIY individual stock fund

I've been mulling for a while getting out of holding total-market ETFs as my stock holdings in my PP and setting up my own fund of perhaps 30 to 50 individual company stocks. For a few reasons: to cut out the middleman (avoid counter-party risk and fees, albeit tiny), to experiment with an equal-we...
by jalanlong
Thu Mar 19, 2020 8:51 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 194
Views: 53703

Re: How do you invest the Cash portion?

I'm not getting Ally CDs, using their Savings. Pays more than 30-day T-Bill. Yeah, I know about Ally... it use to be GMAC. Ally savings account interest rate is currently 1.70%. 3 month T-bill interest rate is currently 1.59%. Simple to ladder and put on auto-roll. The difference is 0.11% ( further...
by jalanlong
Thu Mar 19, 2020 8:07 pm
Forum: Stocks
Topic: Extremely Simple Stock Question
Replies: 6
Views: 357

Re: Extremely Simple Stock Question

I am also a minimalist and like to keep things simple. If my life savings is $500k, would you guys feel comfortable having it all in 4 ETFs? Say VTI, TLT, AAAU and GBIL?
by jalanlong
Mon Mar 16, 2020 8:41 pm
Forum: Stocks
Topic: Stock scream room
Replies: 1104
Views: 220505

Re: Stock scream room

Still holding off on rebalancing. I decided I wanted to see my rebalance indicator be "yes" two days in a row, because it's going to take a bit of time for me to gather all the data from the various accounts and determine how best to rebalance. I don't imagine for a minute that I'll be able to gues...
by jalanlong
Mon Mar 16, 2020 7:17 am
Forum: Permanent Portfolio Discussion
Topic: Anyone here sorry that they have the PP instead of a Boglehead portfolio?
Replies: 21
Views: 1044

Re: Anyone here sorry that they have the PP instead of a Boglehead portfolio?

Haha. What I really find interesting is how much higher one's quality of life is when you don't have your life savings riding in an unbalanced wreck of a portfolio. I'm viewing all of this stuff from a place of detached curiosity. Andrew Yang in his podcast with Joe Rogan remarked that if you give ...