Like Smith 1776 I just bought a house so my "rebalancing" came in the form of lighting a ton of money on fire.

More seriously, I'm still accumulating so I don't wait for cash to hit a rebalancing band. I just make purchases every month.

If you have a lot of cash, TIPS makes sense. If you want any sort of long return, the protection comes at a high cost. I'm pretty conservative (ha, we're all here right?!) and I quickly gave up on TIPS after an intial study of the product. That said I do have some money in TIPS to help lock in money...

My lazy solution follows Smith1776 to have a bit in each and call it good. The most recent episode of Risk Parity Radio delves into the question a little. It's the last question on the episode before he goes into the weekly market update. His answer is gold can basically go anywhere. https://www.ris...

Perun drops a great episode on the Mutiny.

https://youtu.be/tP8VPkWXOfU

That was one wild weekend.

First one I let roam around the house until I discovered that it loved to chew on all the wires on the floors in my living room! Yeah...they are fun to have around the house but destructive little beasts! I used to volunteer at their OG shelter in Richmond California when I lived in the Bay Area. F...

My usual donations are to a local news website (Nevada Independent), the Internet Archive, and the House Rabbit Society.

Half the market thinks LTT's are overpriced and the other half thinks they are underpriced. So the question is it time for a rebalance (percentage bands, calendar, or whatever else you use as a trigger)? If so, then buy. If not, then wait for the predetermined trigger in your personal investment pol...

The tracking error of SCV is a behavioral risk, even if it's better long term. Cause everybody else is going hot when the Dow or SP500 is going gangbusters. I'd recommend a simple 50/50 split of SP500 and SCV. Perfectly mediocre and you're never missing out It does quite nicely on Paul Merriman's qu...

Damn...all in on foreign equities. Hope it works out!

(ps, any reason you went small cap foreign instead of foreign SCV?)

With that news I guess I’ll be buying more into long bonds on tomorrow when I do my regular purchase as I slowly bleed into the market.

All any of us can do is to do our best and we’re going to end up with whatever we end up with. People have been retiring that way forever. To be pedantic…is that true? My speculation is that voluntary retirement is a modern construct. I meant “for as long as people have been retiring”, not literall...

flyingpylon wrote: ↑

Thu Apr 06, 2023 9:18 pm

All any of us can do is to do our best and we’re going to end up with whatever we end up with. People have been retiring that way forever.

To be pedantic…is that true? My speculation is that voluntary retirement is a modern construct.

It’s basically a golden butterfly that is underweight bonds, especially if you switch to ITT. I think the performance gains are negligible when wiggling 5 percentage points one way or the other. At that point the key is to create a systematic system so you don’t let yourself get carried away by emot...

When I decided upon my asset allocation, I put together a little spreadsheet table simplifying it to the bare minimum of two funds (like Hal's 2-fund approach). It was a good exercise. That said, it feels natural to split brokerages between tax advantaged versus taxable accounts, just for a little h...

Ha! It’s because I was arguing from a libertarian point of view in the second half of my post. That said, I’d be wary about Florida. One might enjoy DeSantis trolling of teh libs, but he’s doing it with heavy handed laws. I’d recommend a purple state that doesn’t have a long term single party rule a...

If I had to bet what would be the global power in 40 years—"USA VS everybody else" I would get the pessimism around such a binary outcome. But the reality is you get to be the citizen of ONE nation...maybe two if you're lucky. So I return to the TINA question. Maybe Nigeria or India will be the next...

Great! I'm all for a Tiktok ban...but I'm sick of Congress delegating powers to the executive branch.

My ideal is to ban certain types of surveillance that would cripple Tiktok's addictiveness (and FB, Twitter, Youtube, etc). Of course that's why it won't happen....

Thanks for the link. It might be just be confirmation but I agree with the Bogleheads article’s sentiment that a global-with-home-tilt equities portion coupled with an all domestic bond portion is an ideal setup. That said, if you look on Portfolio Visualizer you’ll see that into stocks are highly c...

Geopolitics always matter….to the point where it doesn’t really matter. If the system collapses (especially with the US as the worlds reserve currency) we’re all fucked no matter the portfolio. If you got a safety deposit box in another country, there is a chance you’ll be less fucked than the rest ...

sometimes...but they are often related too.

I just realized that there is a rarely mentioned behavioral benefit to the Risk Parity approach – even during accumulation. "being diversified means you’re always losing" = something is ALWAYS on sale! I grok the William Bernstein sentiment “get on your hands and knees and pray for a market crash”, ...

Thanks! I'm not ready to explore an active portfolio management strategy, but it's intriguing! I've bookmarked this thread for future study!

40% HBPP and 60% Antonacci GEM... CAGR 12%, MaxDD -18% (worse than HBPP but much more return... you get compensated for it). Sharpe ratio 1.46. Ulcer Index 2.12. This is a very simple model to run. You find a number of sites giving away the Antonacci signals for free. HBPP CAGR ulcer index 1.29. Yo...

From your other thread, I don't see how "Short-term treasuries, real estate with timber value, maybe a few old fashioned dividend-paying stocks with certificates" will save you in a national collapse. If you're really worried about the state of our nation then do as HB advises. Store your gold in an...