Search found 1029 matches
- Fri Apr 04, 2025 5:21 pm
- Forum: Permanent Portfolio Discussion
- Topic: Short-Term Bonds in the Permanent Portfolio: Still Worth It After 10 Years?
- Replies: 13
- Views: 4175
Short-Term Bonds in the Permanent Portfolio: Still Worth It After 10 Years?
Hello everyone! ๐ :o Short-Term Bonds in the Permanent Portfolio: Still Worth It After 10 Years? Itโs 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...
- Fri Mar 28, 2025 7:47 am
- Forum: Other Discussions
- Topic: 🔥 Who Has Reached FIRE & What Are You Doing Now? 🔥
- Replies: 2
- Views: 10018
🔥 Who Has Reached FIRE & What Are You Doing Now? 🔥
Hello everybody! For those who have achieved Financial Independence, Retire Early (FIRE)โwhat does life look like after reaching your goal? ๐ฐ 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 ...
- Thu Mar 27, 2025 10:00 am
- Forum: Permanent Portfolio Discussion
- Topic: Return Stacking Strategy Applied to HB-PP
- Replies: 6
- Views: 6795
Return Stacking Strategy Applied to HB-PP
Dear All, I hope youโre doing well. Iโm reaching out to ask if anyone here is applying a Return Stacking strategy to HB-PP (Harry Browneโs Permanent Portfolio). Iโd love to hear about: โข The specific methods or asset classes used. โข The impact on risk-adjusted returns. โข Any challenges or key consid...
- Thu Mar 27, 2025 9:49 am
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
- Mon Mar 24, 2025 6:28 am
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
Re: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
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 Universeโฆ lol ๐ Hi ๐๐ป I am here, this forum is a bit ๐ calm I have been searching for more ...
- Mon Mar 24, 2025 6:24 am
- Forum: Permanent Portfolio Discussion
- Topic: Deposit vs. Short-Term Bonds in EU-HB-PP 💰
- Replies: 1
- Views: 4520
Re: Deposit vs. Short-Term Bonds in EU-HB-PP 💰
Bonds vs. Term Deposits
โ Whatโs Your Move?

With rates where they are, term deposits in Europe (โ2%) 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!
โ Whatโs Your Move?
With rates where they are, term deposits in Europe (โ2%) 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!
- Mon Mar 24, 2025 6:20 am
- Forum: Permanent Portfolio Discussion
- Topic: Gave up on "pure" Permanent Portfolio in EU
- Replies: 19
- Views: 12617
Re: Gave up on "pure" Permanent Portfolio in EU
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 ๐๐ป Is that b...
- Sun Mar 23, 2025 8:37 am
- Forum: Permanent Portfolio Discussion
- Topic: Gave up on "pure" Permanent Portfolio in EU
- Replies: 19
- Views: 12617
Re: Gave up on "pure" Permanent Portfolio in EU
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 ...
- Sun Mar 23, 2025 8:33 am
- Forum: Permanent Portfolio Discussion
- Topic: Gave up on "pure" Permanent Portfolio in EU
- Replies: 19
- Views: 12617
Re: Gave up on "pure" Permanent Portfolio in EU
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 ...
- Tue Mar 18, 2025 9:48 am
- Forum: Permanent Portfolio Discussion
- Topic: Gave up on "pure" Permanent Portfolio in EU
- Replies: 19
- Views: 12617
Re: Gave up on "pure" Permanent Portfolio in EU
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 ๐๐ป Can you please introduce and tell us m...
- Tue Mar 18, 2025 9:46 am
- Forum: Permanent Portfolio Discussion
- Topic: Gave up on "pure" Permanent Portfolio in EU
- Replies: 19
- Views: 12617
Re: Gave up on "pure" Permanent Portfolio in EU
Hi europeanwizard, Thanks for sharing your portfolio update. Itโs always interesting to see how others adjust their allocations over time. I have to say, Iโm also not happy with holding cash, even in short-term bonds. In the EU, real interest rates remain unattractive, and keeping liquidity in euros...
- Sun Mar 09, 2025 6:09 am
- Forum: Permanent Portfolio Discussion
- Topic: Deposit vs. Short-Term Bonds in EU-HB-PP 💰
- Replies: 1
- Views: 4520
Deposit vs. Short-Term Bonds in EU-HB-PP 💰
Hey everyone! ๐ Iโve had short-term bonds in the EU-HB-PP cash portion for years, but with interest rates where they are, Iโm starting to feel like Iโm just losing money. Meanwhile, term deposits are offering around 2%, which seems like a much better deal. Has anyone considered switching? Are there ...
- Thu Mar 06, 2025 8:00 am
- Forum: Variable Portfolio Discussion
- Topic: BTC in the PP
- Replies: 449
- Views: 435182
Re: BTC in the PP
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 Iโll move everything (Marc de Meselโs gift) to it ...
- Fri Feb 28, 2025 7:30 am
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
Re: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
Hello! 
I just realized I misunderstood the concept.
The strategy of offsetting gains with losses wonโt work the way I thought.
It doesn't eliminate taxes in the long run, it only defers them!
Goodbye!
See you next time!
I just realized I misunderstood the concept.
The strategy of offsetting gains with losses wonโt work the way I thought.
It doesn't eliminate taxes in the long run, it only defers them!
Goodbye!
See you next time!
- Thu Feb 27, 2025 5:06 pm
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
Re: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
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...
- Thu Feb 27, 2025 5:03 pm
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
Re: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
Hello everyone! ๐ Iโve 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...
- Thu Feb 27, 2025 7:25 am
- Forum: Permanent Portfolio Discussion
- Topic: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
- Replies: 26
- Views: 15358
Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run
Hello everyone! ๐ Iโve 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...
- Tue Feb 25, 2025 5:38 am
- Forum: Permanent Portfolio Discussion
- Topic: New Here - What are folks investing in
- Replies: 42
- Views: 44615
Re: New Here - What are folks investing in
Hi
Why CEU is a mess?
Regards
- Sat Feb 22, 2025 9:13 am
- Forum: Permanent Portfolio Discussion
- Topic: New Here - What are folks investing in
- Replies: 42
- Views: 44615
- Sat Feb 22, 2025 9:11 am
- Forum: Permanent Portfolio Discussion
- Topic: New Here - What are folks investing in
- Replies: 42
- Views: 44615
Re: New Here - What are folks investing in
Hi G ,
What do you mean with not clear the CรU?
Money means what ? At home
?
Regards
What do you mean with not clear the CรU?
Money means what ? At home

Regards
- Sat Feb 22, 2025 12:49 am
- Forum: Permanent Portfolio Discussion
- Topic: New Here - What are folks investing in
- Replies: 42
- Views: 44615
Re: New Here - What are folks investing in
I am 100% on European permanent portfolio And wondering ๐ญ if I should add USA ๐บ๐ธ HB-PP There is a Spanish guy with multiple PP from Europe and ๐ฌ๐ง UK and US and more โฆ Let me know your thoughts ๐ญ Hug ๐ค What is your part for Stocks? Hi GRINCH, where are you from? :-) a) I have EU-PP with CEU for stoc...
- Sat Feb 08, 2025 12:34 am
- Forum: Permanent Portfolio Discussion
- Topic: New Here - What are folks investing in
- Replies: 42
- Views: 44615
Re: New Here - What are folks investing in
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 โฆ
Let me know your thoughts
Hug
European permanent portfolio
And wondering
There is a Spanish guy with multiple PP from Europe and
Let me know your thoughts
Hug
- Sat Feb 08, 2025 12:28 am
- Forum: Permanent Portfolio Discussion
- Topic: PP in Germany
- Replies: 17
- Views: 13467
Re: PP in Germany
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 ๐๐ป Why do you chose ELFW For MSCI World ? Why ...
- Sat Feb 08, 2025 12:24 am
- Forum: Permanent Portfolio Discussion
- Topic: 4x25 HBPP 2024 performance
- Replies: 5
- Views: 4261
Re: 4x25 HBPP 2024 performance
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...
- Sat Feb 08, 2025 12:19 am
- Forum: Variable Portfolio Discussion
- Topic: BTC in the PP
- Replies: 449
- Views: 435182
Re: BTC in the PP
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 ๐๐ป Can you explain your PP ? What type of trading do you do? Reading the chart ๐? I tried and studied 20+ years of technical ana...