Search found 558 matches

by foglifter
Mon Aug 06, 2018 7:31 pm
Forum: Gold
Topic: IAU is now commission-free at Fidelity
Replies: 18
Views: 563

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: 12
Views: 345

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: 373
Views: 55839

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: 9463

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: 9463

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: 1889

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: 3606

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: 3606

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: 3606

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...
by foglifter
Wed Apr 04, 2018 12:16 am
Forum: Permanent Portfolio Discussion
Topic: Investing new money now
Replies: 26
Views: 3606

Re: Investing new money now

> Just stick to the strategy, it was designed so you don't have to make these decisions What fun is that. We want to hand-wring. So! I'm debating DBA - http://www.etf.com/DBA Low correlation and beaten up IBB: http://www.etf.com/IBB Low correlation and I want to support biotech. But PE -72? PXH: ht...
by foglifter
Tue Apr 03, 2018 1:24 am
Forum: Permanent Portfolio Discussion
Topic: Investing new money now
Replies: 26
Views: 3606

Investing new money now

One of my GB portfolios just got an influx of cash as I made a 2017 IRA contribution. The current allocation is 17 stocks/41 bonds/20 cash/22 gold. With stocks supposedly overvalued I don't feel like I'm ready to hold my nose and buy stocks (the lagging asset) as many pundits say US equities will ha...
by foglifter
Sun Mar 18, 2018 1:00 am
Forum: Permanent Portfolio Discussion
Topic: The Lively HSA
Replies: 41
Views: 9463

Re: The Lively HSA

I've moved my HSA from HSA Bank to Lively in January and can confirm all the positive feedback pugchief shared. Lively is located in San Francisco and the phone/email support is excellent. They are working to make their already great website even more functional to simplify transfers that involve br...