Hello everyone! 👋 :o Short-Term Bonds in the Permanent Portfolio: Still Worth It After 10 Years? It’s been over a decade since I first allocated part of my portfolio to short-term government bonds, following the classic Permanent Portfolio strategy. The idea was to balance out volatility and preserv...

Hello everybody! For those who have achieved Financial Independence, Retire Early (FIRE)—what does life look like after reaching your goal? 💰 Are you fully retired and enjoying life? Have you taken up a new hobby, business, or passion project? Do you still work, but on your own terms? And for those ...

Dear All, I hope you’re doing well. I’m reaching out to ask if anyone here is applying a Return Stacking strategy to HB-PP (Harry Browne’s Permanent Portfolio). I’d love to hear about: • The specific methods or asset classes used. • The impact on risk-adjusted returns. • Any challenges or key consid...

dualstow wrote: ↑Mon Mar 24, 2025 8:58 am Happy belated vernal equinox, frugal!

Regards my fellow

And with that, the ancient yet youthful creature frugal went back into the hollow of the magic tree where he dwells, not to be seen again until the next solstice, or a disturbance in the underpinnings of the Universe… lol 😆 Hi 👋🏻 I am here, this forum is a bit 😌 calm I have been searching for more ...

Bonds vs. Term Deposits

– What’s Your Move?

With rates where they are, term deposits in Europe (≈2%) and high-yield options in the U.S. seem more attractive than short-term bonds.

Are you sticking with bonds or shifting your cash allocation?

Would love to hear your take!

Where you get 3% ? Is it online banking? Advanzia, a bank in Luxembourg, offers this rate. Bonds are not in your PP? No... I started with those in 2017 but when zero interest rate policies hit, they became very dangerous to hold. Perhaps it's time start thinking about it, once more. Hi 👋🏻 Is that b...

Are you keeping it in a high-yield savings account, If you can call 3% "high-yield", then yes ;) Regarding art investment I haven't really evaluated it thoroughly, no math or something. But I did learn some stuff. The lack of liquidity hasn't been an issue for me, since it's such a small ...

Are you keeping it in a high-yield savings account, If you can call 3% "high-yield", then yes ;) Regarding art investment I haven't really evaluated it thoroughly, no math or something. But I did learn some stuff. The lack of liquidity hasn't been an issue for me, since it's such a small ...

Going to look into this Masterworks thing. I've always been curious about investing in art, but I've also always wondered how much of the spectacular returns you always hear about were just money laundering. How much does that skew the return statistics? Hi 👋🏻 Can you please introduce and tell us m...

Hi europeanwizard, Thanks for sharing your portfolio update. It’s always interesting to see how others adjust their allocations over time. I have to say, I’m also not happy with holding cash, even in short-term bonds. In the EU, real interest rates remain unattractive, and keeping liquidity in euros...

Hey everyone! 👋 I’ve had short-term bonds in the EU-HB-PP cash portion for years, but with interest rates where they are, I’m starting to feel like I’m just losing money. Meanwhile, term deposits are offering around 2%, which seems like a much better deal. Has anyone considered switching? Are there ...

There is barely a mention of bitcoin on page 16. Should I move the posts? Ugh Anyway, I saw an announcement that Proton Wallet (from the Protonmail team) is now out there for anyone to use. I got one. Not doing self-custody at the moment, but maybe I’ll move everything (Marc de Mesel’s gift) to it ...

Hello!

I just realized I misunderstood the concept.

The strategy of offsetting gains with losses won’t work the way I thought.

It doesn't eliminate taxes in the long run, it only defers them!

Goodbye!

See you next time!

This could work if you find out beforehand what amount you need for the offsetting. Then you sell the position that is in the red in the amount required to generate losses of a sufficient amount. Then you sell the position with the profit and the tax result is zero. Assuming you have a position tha...

Hello everyone! 👋 I’ve been wondering, is it possible to eliminate capital gains tax in the long term by consistently closing positions with gains and offsetting them with positions at a loss, in equal amounts, every year within a portfolio (PP)? If the gains and losses balance out, can this strate...

Hello everyone! 👋 I’ve been wondering, is it possible to eliminate capital gains tax in the long term by consistently closing positions with gains and offsetting them with positions at a loss, in equal amounts, every year within a portfolio (PP)? If the gains and losses balance out, can this strateg...

Grinch wrote: ↑Sun Feb 23, 2025 3:01 am

frugal wrote: ↑Sat Feb 22, 2025 9:11 am Hi G ,

What do you mean with not clear the CÉU?

Money means what ? At home ?

Regards

I translated the CEU, is this the correct ETF? If yes, it‘s a mess.

Money means, Euro in a Bank Account

Hi

Why CEU is a mess?

Regards

ppnewbie wrote: ↑Tue Sep 24, 2024 9:41 am Golden Butterfly in my 401k and basic stock in taxable that is slowly backing into gold, treasuries, small cap value. But still mostly stocks. I also would not do cash in the 401k in hindsight.

Hi

Which etfs do you have on it and why GB instead of HBPP?

Hi G ,

What do you mean with not clear the CÉU?

Money means what ? At home ?

Regards

I am 100% on European permanent portfolio And wondering 💭 if I should add USA 🇺🇸 HB-PP There is a Spanish guy with multiple PP from Europe and 🇬🇧 UK and US and more … Let me know your thoughts 💭 Hug 🤗 What is your part for Stocks? Hi GRINCH, where are you from? :-) a) I have EU-PP with CEU for stoc...

I am 100% on

European permanent portfolio

And wondering if I should add USA HB-PP

There is a Spanish guy with multiple PP from Europe and UK and US and more …

Let me know your thoughts

Hug

The same procedure as last year Miss Sophie https://www.ardmediathek.de/video/dinner-for-one-das-original/dinner-for-one-das-original/ndr/Y3JpZDovL2Rhc2Vyc3RlLm5kci5kZS80NDM3XzIwMjAtMTItMzEtMTUtNTA ELFW For MSCI World EL4V For Bund 10+ 4GLD for Gold Hi 👋🏻 Why do you chose ELFW For MSCI World ? Why ...

Performance of Euro PP in 2024 (figures from Google Finance): ETF 31/12/2024 1/1/2024 Diff % --------------------------------------- EPA:CEU 335.79 304.52 10.27% EPA:MTH 81.54 83.85 -2.75% BIT:GBS 238.13 172.34 38.17% EPA:MTA 125.02 121.20 3.15% Combined 12.21% EUR/USD 1.0363 1.1056 -6.68% (today's...

my core portfolio is always evolving but always invested . i keep a certain amount out for fun trading and darting in and out . both gave grown very nice sums of money Hi 👋🏻 Can you explain your PP ? What type of trading do you do? Reading the chart 📈? I tried and studied 20+ years of technical ana...