Search found 588 matches

by foglifter
Thu Jan 16, 2020 12:39 pm
Forum: Other Discussions
Topic: Why Obama won
Replies: 123
Views: 16609

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: 445
Views: 95427

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: 12
Views: 5053

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: 798

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: 798

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: 798

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: 798

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: 411

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: 269

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: 1343

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: 47
Views: 13593

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: 47
Views: 13593

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...