Search found 595 matches

by foglifter
Thu Dec 03, 2020 6:41 pm
Forum: Permanent Portfolio Discussion
Topic: The Awesome Portfolio
Replies: 30
Views: 1667

Re: The Awesome Portfolio

REITS index is pretty much a sector mid cap fund. Meb Faber uses REITS in his Ivy Portfolio as well. The way I see it, replacing REITS with SC or SCV provides better diversification and allows to capture value and size factors. I just compared this portfolio with GB, not surprisingly GB has higher r...
by foglifter
Wed Dec 02, 2020 6:37 pm
Forum: Permanent Portfolio Discussion
Topic: Long time lurker saying hi
Replies: 19
Views: 1057

Re: Long time lurker saying hi

Welcome Vincent! This forum is a great place to hang around. Lots of interesting discussions. :)
by foglifter
Mon Nov 16, 2020 1:13 pm
Forum: Permanent Portfolio Discussion
Topic: 80/20 VTI/IAU for my 17YO
Replies: 13
Views: 907

Re: 80/20 VTI/IAU for my 17YO

Had to share with the only group that might consider this a milestone for father and son. The boy started working at Walgreens and has been averaging 20-25 hrs/wk for the last few months. Friday I transferred his funds to a custodian account at eTrade and bought VTI/IAU 80/20. He’ll be adding ~1K/m...
by foglifter
Mon Jul 13, 2020 7:38 pm
Forum: Other Discussions
Topic: Google services are failing
Replies: 26
Views: 1803

Re: Google services are failing

What did you like about 1password compared to Lastpass, Mountaineer? Curious. Lastpass works fine for me. The only peeve I had is that it doesn't always fill login screens so you end up having to do it manually. (Of course now there's a second peeve: incompatibility with Safari.) Sophie, it is prob...
by foglifter
Sat Apr 25, 2020 1:10 pm
Forum: Bonds
Topic: Why should I buy Treasuries now?
Replies: 46
Views: 16959

Re: Why should I buy Treasuries now?

Wow, this is impressive. Looks like M*, Yahoo and Google provide simply the price charts as you said. Good point. Stockcharts.com uses total return as Madmoney points out. Morningstar also uses total returns as well as price charts. If you want to build a tracking portfolio I recommend using Mornin...
by foglifter
Fri Apr 03, 2020 1:56 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 234
Views: 81723

Re: How do you invest the Cash portion?

I just saw this notice on Fidelity's fixed income web page: icon-exclamation-yellowtriangle-1x Recent extreme market conditions have resulted in a lack of liquidity, wide spreads (the difference between the price a customer can buy and sell a bond), large swings in prices, and substantial increases...
by foglifter
Sat Mar 28, 2020 5:03 pm
Forum: Variable Portfolio Discussion
Topic: Strategically taking a 401k loan and/or no-penalty withdrawal
Replies: 64
Views: 6553

Re: Strategically taking a 401k loan and/or no-penalty withdrawal

But there is still tax on the appreciated assets that you use to refund the 401k. Gotcha, right. I think there was some confusion before about whether 401k loans were taxed. Even so, I'd like to run some comparisons assuming a possible low return on interest inside my 401k. Double taxation does hap...
by foglifter
Thu Jan 16, 2020 12:39 pm
Forum: Other Discussions
Topic: Why Obama won
Replies: 113
Views: 23890

Re: Why Obama won

Despite the doomsday scenarios outlined by people like Munisteri, the Texas G.O.P. is far ahead of the national Party in dealing with the future. Two strategies are being tested. One is the kind of Republican identity politics exemplified by Cruz: the Party can continue its ideological shift to the...
by foglifter
Wed Dec 18, 2019 7:14 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 149641

Re: Golden Butterfly Portfolio

Hey all, I just wanted to resurrect this thread because it seems the Golden Butterfly has been gaining traction as a topic of conversation as of late. This thread has a ton of useful information and perspective on the allocation. I'm still not the biggest fan of the name (;D), but the allocation is...
by foglifter
Sat Dec 07, 2019 1:25 pm
Forum: Cash
Topic: Fidelity - SHV BIL or TBILL ladder (auto roll)
Replies: 24
Views: 12346

Re: Fidelity - SHV BIL or TBILL ladder (auto roll)

Everything is now commission-free at Fidelity. But why not use FUMBX which at 0.03% is cheaper than any ETF and you don't have to worry about spreads?
by foglifter
Tue Dec 03, 2019 2:15 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 2724

Re: Variable Portfolio?

... I think we can safely conclude small cap outperforms large cap (at least in the last two decades). I don't think we can conclude small cap value outperforms small cap. Agreed! SCB includes both growth and value and essentially can be considered as a size play with no focus on value or growth. A...
by foglifter
Tue Dec 03, 2019 12:39 am
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 2724

Re: Variable Portfolio?

I wouldn't come to conclusions regarding any investment's long-term performance based on such a short period of time (5 years). Looking at a longer period we can see how SCV outperformed after the dot-com bust and the Great Recession. https://i.postimg.cc/mkwd103g/Untitled.png Value and size factors...
by foglifter
Sat Nov 30, 2019 7:16 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 2724

Re: Variable Portfolio?

If I guessed right, you refer to the classic 4x25 HBPP when you say "100% PP". I use GB as my PP and also have a small VP. As others suggested, this section has some good threads on VP. I think most people here have some kind of VP. Harry Browne was smart to mention VP in his book. It's better to l...
by foglifter
Sat Nov 30, 2019 12:32 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 2724

Re: Variable Portfolio?

If I guessed right, you refer to the classic 4x25 HBPP when you say "100% PP". I use GB as my PP and also have a small VP. As others suggested, this section has some good threads on VP. I think most people here have some kind of VP. Harry Browne was smart to mention VP in his book. It's better to le...
by foglifter
Mon Nov 25, 2019 2:22 pm
Forum: Other Discussions
Topic: Total return comparison in Morningstar
Replies: 0
Views: 1203

Total return comparison in Morningstar

Morningstar website UI and functionality changed and I've just realized that their advanced comparison chart no longer shows total growth for ETFs, only for mutual funds. Bummer! For example, here's how TLT lines looks like when dividends are no longer included (note that the chart type is Growth!) ...
by foglifter
Mon Nov 25, 2019 11:58 am
Forum: Variable Portfolio Discussion
Topic: Low volatility
Replies: 1
Views: 730

Low volatility

Factor-based investing is en vogue and some factors, such as size and value, have been around for quite some time, while others like momentum are fairly new. I do use momentum in a slice of my VP and am comfortable with it as I understand how it works and what the pros and cons are. I'm seeing lots ...
by foglifter
Sat Nov 23, 2019 9:33 pm
Forum: Other Discussions
Topic: What Do You Do For Work?
Replies: 44
Views: 4368

Re: What Do You Do For Work?

Another techie here. ;) After many years in software development I moved into information security (more specifically, application security) a decade ago and I've never regretted my decision. This is still a niche area and demand is growing exponentially as these days every company is a software com...
by foglifter
Sat Nov 16, 2019 12:43 am
Forum: Permanent Portfolio Discussion
Topic: Question for original forum members
Replies: 46
Views: 17838

Re: Question for original forum members

This is dangerous to me, finding out about Employee Fiduciary above! Recently I wrote about my efforts in trying to come up with a retirement plan for our organization. On Monday I sent out a huge amount of information to our staff and yesterday we discussed it somewhat with a committee of four now...
by foglifter
Thu Nov 14, 2019 7:39 pm
Forum: Permanent Portfolio Discussion
Topic: Question for original forum members
Replies: 46
Views: 17838

Re: Question for original forum members

This is dangerous to me, finding out about Employee Fiduciary above! Recently I wrote about my efforts in trying to come up with a retirement plan for our organization. On Monday I sent out a huge amount of information to our staff and yesterday we discussed it somewhat with a committee of four now...
by foglifter
Wed Oct 30, 2019 5:06 pm
Forum: Permanent Portfolio Discussion
Topic: What is your current portfolio?
Replies: 36
Views: 16446

Re: What is your current portfolio?

I started PP in 2010, first it was all in PRPFX, then I moved to the classic PP, but eventually ended up with with a modified cashless version of GB:

25% FZROX
15% IJR
5% SCZ
5% DGS
30% FNBGX + individual LTTs
20% SGOL
by foglifter
Tue Oct 22, 2019 12:49 pm
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 79
Views: 57112

Re: Stock and ETF brokerage costs plunge

Now what you can do at Fido is 'exchange' one mutual fund for another simultaneously and automatically always at the close. SInce they now have several ZERO expense ratio funds and plenty of super-low ER ones as well, maybe that would work better for you? Yes, this is a neat feature at Fido. Just n...
by foglifter
Tue Oct 22, 2019 11:50 am
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 79
Views: 57112

Re: Stock and ETF brokerage costs plunge

Now what you can do at Fido is 'exchange' one mutual fund for another simultaneously and automatically always at the close. SInce they now have several ZERO expense ratio funds and plenty of super-low ER ones as well, maybe that would work better for you? Yes, this is a neat feature at Fido. Just n...
by foglifter
Tue Oct 22, 2019 11:47 am
Forum: Stocks
Topic: Stock and ETF brokerage costs plunge
Replies: 79
Views: 57112

Re: Stock and ETF brokerage costs plunge

i have what is called a limited margin account at fidelity on my ira . Limited margin---------- Allows you to trade on unsettled funds and trade without triggering trading restrictions, such as good faith violations, in an IRA1 From my experience FIdelity allows trading with unsettled funds in regu...
by foglifter
Wed Mar 20, 2019 2:45 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 23
Views: 8465

Re: FNBGX vs. individual bonds at Fidelity

Thank you all, this was a great discussion. Very helpful!
:D
by foglifter
Mon Mar 18, 2019 7:48 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 23
Views: 8465

Re: FNBGX vs. individual bonds at Fidelity

The only drawback is that you can only take part in auction 1x per month for 30 year treasuries at the moment. It looks like the next round is April 4th. But you can also purchase 30 treasuries via trade any day. I was curious: how efficient/liquid is the Treasuries market? Do I need to worry about...