Search found 945 matches
- Wed Apr 15, 2020 8:05 pm
- Forum: Gold
- Topic: New ETF option from State Street GLDM
- Replies: 10
- Views: 5236
Re: New ETF option from State Street GLDM
I'm using it.
- Tue Mar 24, 2020 1:40 pm
- Forum: Cash
- Topic: Ok, everyone, time to go Treasury-only MMFs
- Replies: 95
- Views: 40387
Re: Ok, everyone, time to go Treasury-only MMFs
Like I either shift this Federal to Treasury and then later collapse the accounts. Or, tomorrow I collapse all the accounts and then Friday shirt Federal to Treasury. I don't think it will work to do all the same day. Slow and steady wins the race. Usually when I'm rebalancing or doing account main...
- Wed Mar 18, 2020 10:31 pm
- Forum: Cash
- Topic: Ok, everyone, time to go Treasury-only MMFs
- Replies: 95
- Views: 40387
Re: Ok, everyone, time to go Treasury-only MMFs
I feel like someone should point out that if you keep each asset "pure of heart" at all times, you don't have to make these kinds of adjustments in the midst of market turmoil.
I advocate keeping cash in T-bills or T-bill money market funds at all times.
I advocate keeping cash in T-bills or T-bill money market funds at all times.
- Wed Mar 18, 2020 10:10 pm
- Forum: Permanent Portfolio Discussion
- Topic: EU-PP and PPeers
- Replies: 13
- Views: 7135
Re: EU-PP and PPeers
+1Kike Moreno wrote: ↑Wed Mar 18, 2020 11:22 amI will stick to my plan, so I will rebalance (if needed) at the fixed date that I decided that I would check the portfolio every year, and using the rebalancing bands that I decided.
- Wed Mar 18, 2020 9:14 pm
- Forum: Stocks
- Topic: Extremely Simple Stock Question
- Replies: 25
- Views: 13025
Re: Extremely Simple Stock Question
+1, seems like a good opportunity to consolidate and simplify, with a low tax bill.Cortopassi wrote: ↑Tue Mar 17, 2020 9:02 pmMentally, having fewer holdings has always been beneficial for me.
- Tue Mar 10, 2020 2:08 pm
- Forum: Permanent Portfolio Discussion
- Topic: Transitioning from a Boglehead 60/40 to Permanent Portfolio
- Replies: 55
- Views: 16818
Re: Transitioning from a Boglehead 60/40 to Permanent Portfolio
Looking to transition to a Permanent Portfolio but it is looking like we're close to peak gold as it's currently at $1500 or so. Something tells me it may not be a good idea to put too much into a gold ETF at this point. Everyone considering the PP seems to say a variation on this, "I want to do th...
- Tue Mar 10, 2020 2:03 pm
- Forum: Permanent Portfolio Discussion
- Topic: Rebalance during these days of high volatility?
- Replies: 25
- Views: 11736
Re: Rebalance during these days of high volatility?
IMO, just follow your normal rebalancing strategy. If that says to rebalance, do; if not, don't.
- Tue Mar 10, 2020 2:03 pm
- Forum: Permanent Portfolio Discussion
- Topic: The Permanent Portfolio May Be About To Break
- Replies: 21
- Views: 14674
Re: The Permanent Portfolio May Be About To Break
Just stick to the plan. Weeks like this are where the adage about "you should be able to read the newspaper without worry" comes into play.
- Tue Mar 10, 2020 2:00 pm
- Forum: Permanent Portfolio Discussion
- Topic: Vanguard Wellesley Income Fund
- Replies: 6
- Views: 3971
Re: Vanguard Wellesley Income Fund
Yes it's a good conservative fund, especially for people that want a single-fund portfolio.
- Tue Feb 18, 2020 5:53 pm
- Forum: Gold
- Topic: Which Gold ETF Would You Recommend Now?
- Replies: 15
- Views: 10693
Re: Which Gold ETF Would You Recommend Now?
GLDM or IAU due to low expenses.
- Tue Feb 04, 2020 1:00 pm
- Forum: Permanent Portfolio Discussion
- Topic: Smith PP
- Replies: 3
- Views: 4827
Re: Smith PP
Cool!
I've noticed that a USA investor can get very close to a PP with an off-the-shelf retirement income fund and a little gold. For example roughly 80% Vanguard Target Retirement Income and 20% gold is pretty darn close to a 4x25 PP.
I've noticed that a USA investor can get very close to a PP with an off-the-shelf retirement income fund and a little gold. For example roughly 80% Vanguard Target Retirement Income and 20% gold is pretty darn close to a 4x25 PP.
- Tue Feb 04, 2020 12:56 pm
- Forum: Permanent Portfolio Discussion
- Topic: I'm Done!
- Replies: 327
- Views: 145103
Re: I'm Done!
If all I've said is true, then would Budd be the "Doubting Thomas" of this Forum? His posting conduct was more troublesome than that. He clearly had a lot of critiques of the PP, which is fine, but he posed them in an accusatory combative way. He was asked a few times, if you hate the PP so much, w...
- Tue Feb 04, 2020 12:36 pm
- Forum: Permanent Portfolio Discussion
- Topic: slightly confused about rebalancing
- Replies: 29
- Views: 20539
Re: slightly confused about rebalancing
Monthly deposits go into cash. I check the portfolio annually with a calendar reminder, and also after a major finance-related world event that everyone's talking about (e.g. 9/11 or the 2008 global financial crisis). If it's within the 15/35 bands I do nothing, otherwise I rebalance to 4x25. (IIRC ...
- Sat Jan 11, 2020 2:53 pm
- Forum: Permanent Portfolio Discussion
- Topic: Any value in multiple ETFs?
- Replies: 1
- Views: 1590
Re: Any value in multiple ETFs?
is there any value in having my counterparty risk spread that way? Yes, splitting an asset across multiple ETF issuers hedges against an issuer going out of business suddenly or committing some kind of malfeasance. Harry Browne suggested splitting the stock allocation across multiple fund sponsors ...
- Tue Dec 03, 2019 1:46 pm
- Forum: Permanent Portfolio Discussion
- Topic: Permanent Portfolio data
- Replies: 6
- Views: 3411
Re: Permanent Portfolio data
I use the 4 ETF tickers that are "purest" analogues for the PP assets, breaking ties with expense ratio or volume. Currently I'm using: VTI, TLT, GLDM, BIL
- Tue Oct 29, 2019 7:18 pm
- Forum: Permanent Portfolio Discussion
- Topic: What is your current portfolio?
- Replies: 35
- Views: 27397
Re: What is your current portfolio?
My IRA is a 4x25 in ESGV, VGLT, VUSXX, GLDM, and some individual gold coins (since lost at sea )
My 401k is essentially the same but uses the plan sponsor's cash and S&P500 funds.
Taxable cash is in an online savings account.
My 401k is essentially the same but uses the plan sponsor's cash and S&P500 funds.
Taxable cash is in an online savings account.
- Tue Oct 08, 2019 9:34 pm
- Forum: Stocks
- Topic: Stock and ETF brokerage costs plunge
- Replies: 67
- Views: 82492
Re: Stock and ETF brokerage costs plunge
IMO this is a great trend for retail investors. As a 4x25 PP investor who rebalances annually, commissions have always been a minor consideration, and payments for my order flow are an extremely tiny consideration. Cash is commission-free so I'm only making a maximum of 3 trades per account per year...
- Mon Sep 23, 2019 11:56 pm
- Forum: Stocks
- Topic: DIY individual stock fund
- Replies: 49
- Views: 48206
Re: DIY individual stock fund
It is common for a company's size ranking to bump up or down one rank from year to year. So the method of picking every k'th company will experience high turnover and suffer from tax inefficiency and transaction overhead. Probably the way to go is to just pick the top 50 (or whatever) largest compan...
- Mon Sep 23, 2019 11:40 pm
- Forum: Permanent Portfolio Discussion
- Topic: Finding an Account Manager for PP
- Replies: 14
- Views: 7780
Re: Finding an Account Manager for PP
This firm endorses the PP: https://americanasset.net/
I have no connection or experience with them aside from reading their website, so do your due diligence. IIRC one of the principals has posted here a few times.
I have no connection or experience with them aside from reading their website, so do your due diligence. IIRC one of the principals has posted here a few times.
- Mon Sep 23, 2019 11:34 pm
- Forum: Permanent Portfolio Discussion
- Topic: Gold / Stock / Bonds at highs or near highs?
- Replies: 95
- Views: 63827
Re: Gold / Stock / Bonds at highs or near highs?
All I can say is, I've been talking about the PP online since 2008 (11 years and counting!) and the entire time, people have been constantly asking this question. "I like the PP but this moment seems like a bad time to buy in because reasons, what should I do?" Throughout this time the PP has worked...
- Mon Sep 23, 2019 11:11 pm
- Forum: Permanent Portfolio Discussion
- Topic: How many brokerage firms are you using?
- Replies: 50
- Views: 43606
Re: How many brokerage firms are you using?
I have two brokerages, my personal accounts are at Vanguard and my 401k is at Schwab. I plan on keeping most funds at Vanguard and a minority at either Schwab or Fidelity.
- Tue Sep 10, 2019 7:59 pm
- Forum: Gold
- Topic: Acquiring gold as privately as possible
- Replies: 7
- Views: 11543
- Tue Jul 16, 2019 7:05 pm
- Forum: Permanent Portfolio Discussion
- Topic: A question only a PP novice could ask
- Replies: 16
- Views: 11553
- Mon May 20, 2019 5:58 pm
- Forum: Permanent Portfolio Discussion
- Topic: Question about 401k plan allocations in the PP
- Replies: 8
- Views: 4420
Re: Question about 401k plan allocations in the PP
Either approach is probably fine. I use a brokerage window and am required to hold some assets in plan funds. I use the plan funds for cash and stocks and the brokerage window for gold and long-term bonds. I find it most convenient to let contributions accumulate in the cash fund, and then rebalance...
- Mon May 20, 2019 5:55 pm
- Forum: Cash
- Topic: Fidelity - SHV BIL or TBILL ladder (auto roll)
- Replies: 21
- Views: 20850
Re: Fidelity - SHV BIL or TBILL ladder (auto roll)
SHV, BIL, or TBILL ladder (or auto roll as I see people calling on it on the forum) or maybe Fidelity short term treasury fund, or vanguard short term treasury fund (I think Fidelity will let me do this). I have the option to choose any of these. IMO, all of these options are perfectly fine. I'd pi...