Since the PP has rebalancing bands in the 35% to 15% range, you can go heavy in cash to start and still be considered "all in". Example 34x22x22x22 vs 25x25x25x25 Since the portfolio will be overweigh with cash, you will be forced to buy the lagging asset (any asset that drops below 15%) ...

We have accumulated enough capital to live off a conservative withdrawal rate of 3.25% per annum. All of our capital is currently in cash (we just sold our properties) . . we will be retiring in Canada and our living expenses will be in Canadian dollars. Personally I do like the liability matched a...

What you’re doing is extremely similar to what my wife and I did. We bought in over a period of time, not all at once. I’m sure that’s what I would do today too. I know there are studies that say to take the plunge, but I wouldn’t be able to do that. That's the direction I'm leaning in as well. Des...

I don't believe in telling people what to do. So... Here's what I did about two years ago when I didn't know what to make of the world wide hysteria. I went to all cash and then bought back in to the PP at 10% per month. I have no idea whether that was a good idea or not. I felt good about it. And....

Don wrote: ↑Wed Feb 02, 2022 5:17 pm Hold cash until mid year and then invest over 6 months.

Yes, I too feel that easing in is more conservative. Thanks.

Just watched the Grantham interview where he stated both bonds and shares are dramatically overvalued.... Personally, I would take a 1/2 way approach. Purchase 15% Shares, 15% Bonds and 35% Gold, 35% Cash. On any major dips in bond/shares prices, gradually rebalance back to 4 x 25. Living in Canada...

What are you currently investing in? Even if your money is in a savings account, 100% cash, you've essentially made a decision to go 'all in' on a 100% cash portfolio, with inflation increasing and cash completely unable to keep up. Point being, you already have a current asset allocation that may ...

In my opinion you are right to be concerned about going all in at this point. For the reasons you have stated. You might look at the historical data and see what the maximum intra-year drawdown is, and ask yourself how you would feel (and act) if you get to experience that after going all in PP at ...

I am genuinely interested what kind of advices you will receive- guess you will receive more of the same that you've already read in here. Personally, I have realized that the answer of most of those questions (yeah, you are not alone) is that there is no answer. PP can deep dive the next years. It...

Greetings to all. This is my first ever post here, but I’ve been a long-term follower of this excellent forum. The level of expertise here is extremely impressive, so I’m hoping to ask for some advice. My situation: I will be retiring in 2022 at age 51, with children still in elementary and junior h...