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- Mon Mar 09, 2020 8:54 pm
- Forum: Permanent Portfolio Discussion
- Topic: Stay cool...
- Replies: 39
- Views: 19776
Re: Stay cool...
Good to hear from you Craig. I began the PP 10 years ago after going through the gut punch of the Great Recession, and realizing I had to do something different. I’ve stuck with it ever since and now around 90% of my investments are in the PP and it is a much less anxious time watching the financial...
- Sun Mar 08, 2020 8:19 pm
- Forum: Bonds
- Topic: Negative interest rates
- Replies: 57
- Views: 24988
Re: Negative interest rates
What about US savings bonds, for the cash portion? I have some EE and I bonds. Recently thought about dumping the I bonds since T bill rates were creeping up but now think I’ll just hang onto them. EE’s are the best since no matter what the rate at issue is they are guaranteed to double in 20 years,...
- Sun Feb 23, 2020 3:48 pm
- Forum: Permanent Portfolio Discussion
- Topic: Rebalancing Warning
- Replies: 13
- Views: 8148
Re: Rebalancing Warning
Old member here. I throw new contributions to cash just because it easier and what HB recommended. However, in a low interest rate environment, like we’ve had for a decade, I think it would be better to periodically top off each lagging asset with contributions.
- Thu Jan 15, 2015 8:11 pm
- Forum: Permanent Portfolio Discussion
- Topic: Is The PP Good For Investing?
- Replies: 59
- Views: 33010
Re: Is The PP Good For Investing?
Yes, unlikely indeedMediumTex wrote:
...
Are you saying that we might see regular posters just disappear for months and post nothing?
Seems unlikely.
- Fri Jun 28, 2013 6:48 pm
- Forum: Permanent Portfolio Discussion
- Topic: Oh how it hurts to see no gains
- Replies: 412
- Views: 162181
Re: Oh how it hurts to see no gains
LikewiseXan wrote:Please do! It's always nice to see another Southern flag avatar. :-)Pkg Man wrote:Thanks MT and AdamA, I'll try to visit more often
- Sat Jun 22, 2013 11:43 am
- Forum: Permanent Portfolio Discussion
- Topic: Oh how it hurts to see no gains
- Replies: 412
- Views: 162181
Re: Oh how it hurts to see no gains
AdamA wrote:MediumTex wrote: PkgMan,
Nice to hear from you.
I'm glad you stopped by. I wondered if you were gone for good.
Come around more.
+1, but congrats on ignoring your portfolio for the past year!
Thanks MT and AdamA, I'll try to visit more often
- Fri Jun 21, 2013 9:55 pm
- Forum: Permanent Portfolio Discussion
- Topic: Oh how it hurts to see no gains
- Replies: 412
- Views: 162181
Re: Oh how it hurts to see no gains
Haven't checked in here in a while but thought I'd drop by and say hello. I stopped tracking my portfolio very closely more than a year ago, but as best I can tell YTD the PP is down 5-6%. While I'm not happy to see that (although I am very happy that I was unsuccessful in getting my folks to inves...
- Tue Sep 27, 2011 6:38 pm
- Forum: Other Discussions
- Topic: How Many Here Use Facebook?
- Replies: 27
- Views: 15345
Re: How Many Here Use Facebook?
I don't want anyone to out themselves (unless you want to), but I am curious about who uses Facebook. I assume many of you do. I don't. I get plenty of community and communication through this forum and a couple of others. I just don't feel the urge to project myself electronically through a mediu...
- Tue Sep 27, 2011 6:28 pm
- Forum: Gold
- Topic: Weather the Storm...
- Replies: 40
- Views: 19531
Re: Weather the Storm...
If you compare the HB portfolio to a garden variety stock-bond mix (VTXVX for example) over the last month or so you will see that the HB portfolio has lost only about 1/2% while the blended fund has lost 2.8%. So I agree with the earlier sentiments that the HB PP has held up quite well considering.
- Sun Sep 18, 2011 9:07 pm
- Forum: Permanent Portfolio Discussion
- Topic: Is the PP Safer Than Cash?
- Replies: 64
- Views: 22570
Re: Is the PP Safer Than Cash?
Yes! I am using it to raise money for a downpayment on a home. Yes it's safer. If it loses, it will lose only a little, and it's virtually inflation proof. If it failed it would mean society is probably breaking down anyway and I'd have more pressing concerns than saving money. Depending on the tim...
- Fri Sep 02, 2011 7:40 pm
- Forum: Permanent Portfolio Discussion
- Topic: My PP
- Replies: 6
- Views: 5557
Re: My PP
I'm with Indices on this one. Far more simple to just hold the index. While ten stocks may get you the diversification you need and be representative of the market, unless you are trying to beat the market (like Buffet) just buy the index and be done with it.
- Fri Sep 02, 2011 7:37 pm
- Forum: Bonds
- Topic: Jim Rogers goes short 30 year bond
- Replies: 110
- Views: 37252
Re: Jim Rogers goes short 30 year bond
Jim Rogers says a lot of stupid things. He once said China was the future because it was more business friendly, so he moved there with his daughter. The pollution started affecting his health so he moved away to Singapore where he currently lives. I think a lot of smart people can say an awful lot...
- Tue Aug 30, 2011 9:28 pm
- Forum: Bonds
- Topic: Which bond fund should I put 25% in my 401K?
- Replies: 4
- Views: 4843
Re: Which bond fund should I put 25% in my 401K?
I was in the same situation, we just had a total bond fund. If your company allows it, set up a 401K brokerage account.
If they do not, then try to put the long term bonds in an IRA. This will avoid taxation on the interest each year.
If they do not, then try to put the long term bonds in an IRA. This will avoid taxation on the interest each year.
- Sun Aug 28, 2011 4:55 pm
- Forum: Permanent Portfolio Funds
- Topic: Advice needed: Non-deductible IRA vs taxable brokerage account?
- Replies: 6
- Views: 7575
Re: Advice needed: Non-deductible IRA vs taxable brokerage account?
If you can't use your 401K for the treasury bonds, then a non-deductible IRA would be a better place to house them than a traditional since the interest wouldn't be taxed each year.
- Sun Aug 28, 2011 4:47 pm
- Forum: Gold
- Topic: Mixing Gold Coin Types, or Staying Consistent?
- Replies: 18
- Views: 7952
Re: Mixing Gold Coin Types, or Staying Consistent?
I'd buy what's on sale. Occasionally some coins are relatively cheaper compared to the normal premium over spot.
- Thu Aug 18, 2011 5:23 pm
- Forum: Permanent Portfolio Discussion
- Topic: Expected returns: The myth
- Replies: 13
- Views: 6326
Re: Expected returns: The myth
I was looking for an way to compare the PP against a conventional stock-bond blend and saw the Vanguard Target Retirement 2020 fund (I have about 11 years until I can retire so I thought this would be close enough). I noticed that this fund is 65% equities That is pretty scary indeed. My company, w...
- Wed Aug 17, 2011 7:38 pm
- Forum: Gold
- Topic: The shoe shine boy has entered the building
- Replies: 5
- Views: 3670
Re: The shoe shine boy has entered the building
After observing gold in a deflationary (sorta) recession, I guess I'd have to say that while it's number one factor would be troublesome inflation, negative real interest rates also seem to have a pretty solid effect on golds price. Remember, gold isn't an industrial commodity (at least not at cur...
- Wed Aug 17, 2011 6:49 pm
- Forum: Gold
- Topic: The shoe shine boy has entered the building
- Replies: 5
- Views: 3670
Re: The shoe shine boy has entered the building
I was listening to some of the old HB radio shows and he is very clear that gold only reacts strongly to high inflation. Obviously we are not there, so does anyone have any thoughts on how to reconcile HB's thoughts on gold and inflation with the run up in price over the last few years? If LT Trea...
- Wed Aug 17, 2011 6:44 pm
- Forum: Permanent Portfolio Discussion
- Topic: Expected returns: The myth
- Replies: 13
- Views: 6326
Re: Expected returns: The myth
I was looking for an way to compare the PP against a conventional stock-bond blend and saw the Vanguard Target Retirement 2020 fund (I have about 11 years until I can retire so I thought this would be close enough). I noticed that this fund is 65% equities -- seems way too high for someone with tha...
- Mon Aug 15, 2011 8:06 pm
- Forum: Permanent Portfolio Discussion
- Topic: PP or stocks only for wealthy?
- Replies: 7
- Views: 4376
Re: PP or stocks only for wealthy?
I agree with some of the previous posts -- the HB PP is, IMHO, safer than any single investment no matter what that investment is.
- Sat Aug 13, 2011 12:00 pm
- Forum: Other Discussions
- Topic: English Unrest
- Replies: 38
- Views: 14906
Re: English Unrest
We don't have to speculate: We had it, with the Rodney King riots and Katrina. Ref: Korean shop owners/L.A. and "Drunks with Guns" defending their neighborhoods, Katrina. Lawlessness like the rioters will not spread to suburban neighborhoods in America (especially in Texas!) because the...
- Thu Aug 11, 2011 6:05 pm
- Forum: Cash
- Topic: Holding some foreign currencies?
- Replies: 33
- Views: 17258
Re: Holding some foreign currencies?
Brazilian savings accounts actually have an inflation adjustment that is in addition to the rate. But I am not well-versed enough to know if it is equal to the rate of inflation or just a partial adjustment.
I am a fan of having some FX, but I don't count it as part of the PP cash piece.
I am a fan of having some FX, but I don't count it as part of the PP cash piece.
- Tue Aug 09, 2011 7:55 pm
- Forum: Cash
- Topic: .55% 3 Year Rates - More I-bonds? And maybe some EE's?
- Replies: 2
- Views: 4973
Re: .55% 3 Year Rates - More I-bonds? And maybe some EE's?
Moda, good point regarding EE bonds. I haven't considered them in the past since FDIC savings account rates were higher, and I Bonds included inflation protection. Now that short treasuries yield near zero, and savings account rates are typically no more than 1%, maybe we should take another look...
- Tue Aug 09, 2011 7:51 pm
- Forum: Permanent Portfolio Discussion
- Topic: Ready For PP, But Gold Is Holding Me Back
- Replies: 12
- Views: 5605
Re: Ready For PP, But Gold Is Holding Me Back
If you are sitting on a pile of cash I wouldn't let the recent run-up in the price of gold (or long term Treasurys) prevent me from jumping in. If, on the other hand, you are going to go from stocks to a PP, then I personally would average in over time (others may have different opinions). For exa...
- Tue Aug 09, 2011 7:43 pm
- Forum: Variable Portfolio Discussion
- Topic: Anyone Buying Platinum?
- Replies: 18
- Views: 10370
Re: Anyone Buying Platinum?
I can't speak to the speculative aspects of platinum, but I think the last five trading days has demonstrated quite effectively why gold is by far the best precious metal to have in the PP.