Search found 1029 matches

by frugal
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! ๐Ÿ‘‹ :o Short-Term Bonds in the Permanent Portfolio: Still Worth It After 10 Years? Itโ€™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...
by frugal
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)โ€”what does life look like after reaching your goal? ๐Ÿ’ฐ 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 ...
by frugal
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 youโ€™re doing well. Iโ€™m reaching out to ask if anyone here is applying a Return Stacking strategy to HB-PP (Harry Browneโ€™s Permanent Portfolio). Iโ€™d love to hear about: โ€ข The specific methods or asset classes used. โ€ข The impact on risk-adjusted returns. โ€ข Any challenges or key consid...
by frugal
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

Re: Balancing Gains and Losses Every Year to Eliminate Capital Gains Tax in the Long Run

dualstow wrote: โ†‘Mon Mar 24, 2025 8:58 am Happy belated vernal equinox, frugal!
Regards my fellow
by frugal
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 Universeโ€ฆ lol ๐Ÿ˜† Hi ๐Ÿ‘‹๐Ÿป I am here, this forum is a bit ๐Ÿ˜Œ calm I have been searching for more ...
by frugal
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€“ Whatโ€™s Your Move? ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡ช๐Ÿ‡บ

With rates where they are, term deposits in Europe (โ‰ˆ2%) 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!
by frugal
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 ๐Ÿ‘‹๐Ÿป Is that b...
by frugal
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 ...
by frugal
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 ...
by frugal
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 ๐Ÿ‘‹๐Ÿป Can you please introduce and tell us m...
by frugal
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. Itโ€™s always interesting to see how others adjust their allocations over time. I have to say, Iโ€™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...
by frugal
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! ๐Ÿ‘‹ Iโ€™ve had short-term bonds in the EU-HB-PP cash portion for years, but with interest rates where they are, Iโ€™m starting to feel like Iโ€™m just losing money. Meanwhile, term deposits are offering around 2%, which seems like a much better deal. Has anyone considered switching? Are there ...
by frugal
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 Iโ€™ll move everything (Marc de Meselโ€™s gift) to it ...
by frugal
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! ๐Ÿ‘‹

I just realized I misunderstood the concept. ๐Ÿค”

The strategy of offsetting gains with losses wonโ€™t work the way I thought.

It doesn't eliminate taxes in the long run, it only defers them! ๐Ÿ˜…

Goodbye! ๐Ÿ‘‹

See you next time!
by frugal
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...
by frugal
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! ๐Ÿ‘‹ Iโ€™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...
by frugal
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! ๐Ÿ‘‹ Iโ€™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...
by frugal
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

Grinch wrote: โ†‘Sun Feb 23, 2025 3:01 am
frugal wrote: โ†‘Sat Feb 22, 2025 9:11 am Hi G ,

What do you mean with not clear the Cร‰U?

Money means what ? At home :) ? ๐Ÿ 

Regards
I translated the CEU, is this the correct ETF? If yes, itโ€˜s a mess.

Money means, Euro in a Bank Account
Hi ๐Ÿ‘‹๐Ÿป

Why CEU is a mess?

Regards
by frugal
Sat Feb 22, 2025 9:13 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

ppnewbie wrote: โ†‘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 ๐Ÿ‘‹๐Ÿป

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

๐Ÿค—
by frugal
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 Cร‰U?

Money means what ? At home :) ? ๐Ÿ 

Regards
by frugal
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 ๐Ÿ’ญ if I should add USA ๐Ÿ‡บ๐Ÿ‡ธ HB-PP There is a Spanish guy with multiple PP from Europe and ๐Ÿ‡ฌ๐Ÿ‡ง UK and US and more โ€ฆ Let me know your thoughts ๐Ÿ’ญ Hug ๐Ÿค— What is your part for Stocks? Hi GRINCH, where are you from? :-) a) I have EU-PP with CEU for stoc...
by frugal
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 ๐Ÿ’ญ if I should add USA ๐Ÿ‡บ๐Ÿ‡ธ HB-PP

There is a Spanish guy with multiple PP from Europe and ๐Ÿ‡ฌ๐Ÿ‡ง UK and US and more โ€ฆ

Let me know your thoughts ๐Ÿ’ญ

Hug ๐Ÿค—
by frugal
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 ๐Ÿ‘‹๐Ÿป Why do you chose ELFW For MSCI World ? Why ...
by frugal
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...
by frugal
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 ๐Ÿ‘‹๐Ÿป Can you explain your PP ? What type of trading do you do? Reading the chart ๐Ÿ“ˆ? I tried and studied 20+ years of technical ana...