Search found 561 matches

by foglifter
Thu Sep 06, 2018 11:59 pm
Forum: Stocks
Topic: International allocation
Replies: 2
Views: 360

Re: International allocation

SCHF and VWO And I think you can reduce your gold holdings if you own unhedged ex-US stocks, as the currency differential acts similarly to gold as a USD hedge. Interesting, so I guess a one-fund option in this case would be something like VEU. BTW thanks for mentioning the reduced gold portion, I ...
by foglifter
Thu Sep 06, 2018 3:17 pm
Forum: Stocks
Topic: International allocation
Replies: 2
Views: 360

International allocation

This post is about US-based PP, so "international" means ex-US equities. The question of adding foreign stocks into PP was discussed many times and I don't want to resurrect the beast again. Let's assume we decided that we want to add some international exposure. Now, given high correlations in the ...
by foglifter
Wed Aug 15, 2018 2:40 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 2142
Views: 306540

Re: The GOLD scream room

I'm sorry if my question sounds dumb... can someone please explain what the heck is going on with gold? Multiple currencies are falling, equities are down, dollar is up, but why is gold dropping? Is gold still working as it's supposed to in HBPP?
by foglifter
Mon Aug 06, 2018 7:31 pm
Forum: Gold
Topic: IAU is now commission-free at Fidelity
Replies: 18
Views: 1157

IAU is now commission-free at Fidelity

Fidelity's recent big move included an icing on the cake that hasn't gotten the same level of publicity as their new zero-fee funds - the dramatic expansion of the list of commission-free ETFs. They bumped it up to 240 from 70.

And here's the good news for PP investors: IAU is on the list. :D
by foglifter
Fri Aug 03, 2018 4:03 pm
Forum: Stocks
Topic: 0.00 expense ratio index funds @ Fidelity
Replies: 13
Views: 1051

Re: 0.00 expense ratio index funds @ Fidelity

So, Fidelity dropped minimum purchase requirement and reduced the expense ratios to the same value for both Premium and Investor versions of their index funds. Would it not be logical to merge Premium and Investor funds now that there is no difference between them? Also, now that FZROX is open for i...
by foglifter
Tue May 22, 2018 1:09 am
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 377
Views: 61519

Re: Golden Butterfly Portfolio

Tyler, you're not alone! I have 2 GB-ish (or should I say GB-esque :D ) portfolios, both in retirement accounts. I've become comfortable with using GB in lieu of classic HBPP and I do understand the differences. For me GB seems to be a decent compromise between classic PP and Bogleheads-type allocat...
by foglifter
Mon May 14, 2018 12:46 pm
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 41
Views: 10284

Re: The Lively HSA

I used the new transfer form to snarf funds from my employer (Optum) account. It was super easy, just had to provide the account info online and then e-sign it, then the funds magically appeared. No fee that I'm aware of from Optum, but I was careful to leave some money in the account to prevent th...
by foglifter
Sat Apr 28, 2018 1:02 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 41
Views: 10284

Re: The Lively HSA

Nice, thanks ochotona! Gives me a bit of incentive to tackle the periodic Optum to Lively transfer (my employer uses Optum). Has anyone tried this yet? I remember someone else's employer uses Optum. My employer uses Optum and while I haven't tried recurring transfers I did a couple of manual transf...
by foglifter
Mon Apr 23, 2018 12:16 pm
Forum: Stocks
Topic: Barron's Article on ETF lending
Replies: 3
Views: 2094

Re: Barron's Article on ETF lending

Oops, the article hides behind the paywall... :-X
by foglifter
Wed Apr 04, 2018 12:27 am
Forum: Permanent Portfolio Discussion
Topic: Investing new money now
Replies: 26
Views: 4176

Re: Investing new money now

buddtholomew wrote:I’m on the other side of the coin.
Raise your equity allocation to at least 25%.
Sometimes you need to be aggressive to be conservative.
This is a gem, thanks Budd. I may consider making it a signature. :D
by foglifter
Wed Apr 04, 2018 12:25 am
Forum: Permanent Portfolio Discussion
Topic: Investing new money now
Replies: 26
Views: 4176

Re: Investing new money now

foglifter, if the added cash doesn't put you over your rebalancing bands, why do anything? Just leave in cash until you do an annual rebalance or because of some asset going up or down through a band? The thing is even with added cash I'm still looking at an oversized heap of LTTs. Everything right...
by foglifter
Wed Apr 04, 2018 12:21 am
Forum: Permanent Portfolio Discussion
Topic: Investing new money now
Replies: 26
Views: 4176

Re: Investing new money now

Foglifter, I'm confused... Whether you're running a Golden Butterfly or a 25x4 PP, your portfolio needs to be rebalanced. It's not just about the new cash. You don't know if the pundits are right or not. It could be that stocks are headed for decline, or this could be a great buying opportunity bec...