Search found 907 matches

by frugal
Sun Feb 18, 2018 1:40 am
Forum: Permanent Portfolio Discussion
Topic: Permanent Portfolio in Europe (follow-up)
Replies: 63
Views: 24217

Re: Permanent Portfolio in Europe (follow-up)

CD - fixed rate, money locked up for certain period of time. Savings - rate can change, can add and withdraw any time. hi nice-bird, can you post your portfolio choice? Regards 4x25 PP. Stocks: ETF Bonds: ETF Gold: ETF Cash: ETF (Short term bonds)+Checking+Savings. hi!!! Which ETFs? Can you name th...
by frugal
Sat Feb 17, 2018 11:55 am
Forum: Permanent Portfolio Discussion
Topic: Permanent Portfolio in Europe (follow-up)
Replies: 63
Views: 24217

Re: Permanent Portfolio in Europe (follow-up)

Ugly_Bird wrote:
frugal wrote:
Ugly_Bird wrote:
CD - fixed rate, money locked up for certain period of time.
Savings - rate can change, can add and withdraw any time.

hi nice-bird,

can you post your portfolio choice?

Regards
by frugal
Sat Feb 17, 2018 12:52 am
Forum: Permanent Portfolio Discussion
Topic: Permanent Portfolio in Europe (follow-up)
Replies: 63
Views: 24217

Re: Permanent Portfolio in Europe (follow-up)

My online savings account still has a positive yield: 0.35%. All short-term euro treasuries have negative yields. The iShares 0-1y euro etf for example has a YTM of -0.5%. So that’s a difference of almost 1 percent. hi is that theortically correct? Can we use CD's instead without more RISK? Thanks ...
by frugal
Wed Feb 14, 2018 4:35 pm
Forum: Permanent Portfolio Discussion
Topic: Permanent Portfolio in Europe (follow-up)
Replies: 63
Views: 24217

Re: Permanent Portfolio in Europe (follow-up)

My online savings account still has a positive yield: 0.35%. All short-term euro treasuries have negative yields. The iShares 0-1y euro etf for example has a YTM of -0.5%. So that’s a difference of almost 1 percent. hi is that theortically correct? Can we use CD's instead without more RISK? Thanks
by frugal
Tue Feb 13, 2018 1:02 pm
Forum: Permanent Portfolio Discussion
Topic: Permanent Portfolio in Europe (follow-up)
Replies: 63
Views: 24217

Re: Permanent Portfolio in Europe (follow-up)

Small update on my EU-PP. Been invested in the PP for almost a year now and still very happy with it. Made two small changes: I've replaced Lyxor EuroMTS 15y+ (LYXF) with iShares € Govt Bond 20yr Target Duration (E20Y). E20Y uses higher quality bonds (No bonds from Spain/Italy) and has a higher dur...
by frugal
Sun Jan 21, 2018 10:59 am
Forum: Variable Portfolio Discussion
Topic: A multi-asset portfolio in Euros
Replies: 6
Views: 2723

Re: A multi-asset portfolio in Euros

Frugal - There is a lot of information available on the construction of dividend portfolios and I don't claim to be an expert. One thing I would say is that it is much easier to construct a dividend portfolio of US shares than of Euro shares, as there is a far better choice of dividend-paying share...
by frugal
Sat Jan 20, 2018 11:19 am
Forum: Variable Portfolio Discussion
Topic: A multi-asset portfolio in Euros
Replies: 6
Views: 2723

Re: A multi-asset portfolio in Euros

Frugal To answer the questions: 1.Relative performance of Eu and US PPs. You can look this up yourself by comparing simple 4 -ETF portfolios, or comparing published results such as Marc de Mesel's EU results with US results. Portfoliocharts.com has similar average performances for US and German PPs...
by frugal
Sat Jan 13, 2018 5:12 am
Forum: Variable Portfolio Discussion
Topic: A multi-asset portfolio in Euros
Replies: 6
Views: 2723

Re: A multi-asset portfolio in Euros

Following on from the discussion started by Sophie ( https://www.gyroscopicinvesting.com/forum/viewtopic.php?f=1&t=9289&start=24 ), I thought I would start a new topic here as the subject is variable portfolios. I wrote: PS It seems to me that there are relatively few sane investing strategies that...
by frugal
Tue Dec 19, 2017 3:52 pm
Forum: Permanent Portfolio Discussion
Topic: European PP, update 6 months after starting
Replies: 43
Views: 10773

Re: European PP, update 6 months after starting

Hi

ETFs are very easy yes!

I only have affraid of brokers...
by frugal
Sun Dec 17, 2017 1:48 pm
Forum: Permanent Portfolio Discussion
Topic: How much is "enough" in the Permanent Portfolio?
Replies: 37
Views: 9450

Re: How much is "enough" in the Permanent Portfolio?

Frugal I already have exposure to US shares in my VP so I have none in the PP. Otherwise I would probably have about 50% US in the PP, or a global share ETF. There is currency risk though: the dollar has lost about 11% against the Euro this calendar year, so my mostly US VP is only breaking even fo...
by frugal
Sun Dec 17, 2017 1:58 am
Forum: Permanent Portfolio Discussion
Topic: How much is "enough" in the Permanent Portfolio?
Replies: 37
Views: 9450

Re: How much is "enough" in the Permanent Portfolio?

Good questions, Sophie. Q1 .The PP as a « base » portfolio could be complemented (or even replaced) by a stock portfolio. There are dividend share diehards on seekingalpha.com for example who seem to live exclusively off dividends and never sell a share unless forced to by a merger or similar event...
by frugal
Sun Dec 17, 2017 1:54 am
Forum: Permanent Portfolio Discussion
Topic: European PP, update 6 months after starting
Replies: 43
Views: 10773

Re: European PP, update 6 months after starting

buddtholomew wrote:Hi Frugal, I think OP was building an emergency fund before investing in the other PP assets. At least that is what I gathered from the post.

EuropeanWizard, why do you maintain such a large cash position?
Hi,

I think it is smarter to be 100% PP.

The main problem are ETF's and brokers...