Search found 947 matches

by frugal
Tue Nov 27, 2012 8:03 am
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

Re: ALL my savings in ETF's is dangerous

I don't know if I'm allowed to talk about commercial websites here, so moderators please warn me if what I'm doing is wrong, but coininvestdirect (google will give you their precise url) sells bullion coins in Europe at rather good prices (20 francs Vreneli : buy 254, sell 269, + shipping of course...
by frugal
Tue Nov 27, 2012 6:11 am
Forum: Variable Portfolio Discussion
Topic: Real ASSETS
Replies: 19
Views: 10762

Re: Real ASSETS

IF, in this hypothetical world, the financial strategies I think you're talking about (holding government bonds, fiat currencies, etc etc the whole doomsday platter) "goes to hell" or whatever, the only INVESTMENT that would make sense, to me, is something that functions as currency.  So ...
by frugal
Tue Nov 27, 2012 5:54 am
Forum: Other Discussions
Topic: Real time CHAT
Replies: 2
Views: 2199

Re: Real time CHAT

I see.

Thanks Greg.
by frugal
Sun Nov 25, 2012 12:48 pm
Forum: Permanent Portfolio Discussion
Topic: Best Broker for HB PP
Replies: 6
Views: 5263

Best Broker for HB PP

HELLO!

what is the best US broker to open account for PP creation ?

I live in eurozone, do you think it is a bad idea? I am trying to diversify also, but if any problem occurs with the US broker, i will have difficult to handle, being so far.

Please let me know your opinion. :)
by frugal
Sun Nov 25, 2012 12:17 pm
Forum: Other Discussions
Topic: Real time CHAT
Replies: 2
Views: 2199

Real time CHAT

Hi,

Do you have any place online to speak in realtime?
:D

If you use messenger please send me a Private message.

Tks
by frugal
Sun Nov 25, 2012 12:11 pm
Forum: Variable Portfolio Discussion
Topic: Looking ahead - PP/VP % when the Secular Bear ends
Replies: 18
Views: 8497

Re: Looking ahead - PP/VP % when the Secular Bear ends

Hello,

100% of your savings are in PP and VP?

What assets you have on VP?
:)
by frugal
Sat Nov 24, 2012 4:55 pm
Forum: Variable Portfolio Discussion
Topic: Real ASSETS
Replies: 19
Views: 10762

Re: Real ASSETS

IF, in this hypothetical world, the financial strategies I think you're talking about (holding government bonds, fiat currencies, etc etc the whole doomsday platter) "goes to hell" or whatever, the only INVESTMENT that would make sense, to me, is something that functions as currency.  So ...
by frugal
Sat Nov 24, 2012 10:40 am
Forum: Variable Portfolio Discussion
Topic: Real ASSETS
Replies: 19
Views: 10762

Real ASSETS

Hello everyone! I've been studying these lazy strategies but I found that we are too much exposed to the Financial MARKET. This means that one day if anything bad happens to the financial World we will be in bad situation. What REAL assets can we invest? Real stuff, land, timber, silver, gas, etc Pl...
by frugal
Fri Nov 23, 2012 5:08 pm
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

Re: ALL my savings in ETF's is dangerous

Why do you say you can't own gold directly ? I guess in Portugal 20 Francs coins or British Sovereigns are easy to buy / sell, right ? Hello, That has a big spread and higher cost, to buy real gold coins!? Where do you think i can buy that? Tks :) 20 Francs Francais -Marianne, Rooster, Ouro 291,08 ...
by frugal
Fri Nov 23, 2012 4:59 pm
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

Re: ALL my savings in ETF's is dangerous

clacy wrote: frugal,

If I'm not mistaken you are European.  I believe that many ETF's in Europe are synthetically constructed, which is important to consider as these would be much more dangerous, IMO.
Hi,

Why? And what is the solution for a european citizen.

Regards
by frugal
Fri Nov 23, 2012 4:23 pm
Forum: Variable Portfolio Discussion
Topic: Making Variable Portfolio complementary to Permanent Portfolio
Replies: 22
Views: 12428

Re: Making Variable Portfolio complementary to Permanent Portfolio

Perfect, now i understand. Thank you Tarentola. Help me here again, VP can have: - comodities like silver, anymore with the same behaviour that you explained, no currency risk - bonds, which ones? - reits from all world - emerging markets - land? - house? ?... I am sure there are others here better ...
by frugal
Wed Nov 21, 2012 9:19 pm
Forum: Permanent Portfolio Discussion
Topic: Don't Overpay Your Broker
Replies: 5
Views: 4869

Re: Don't Overpay Your Broker

Good stuff. I like TDAmeritrade because of their wide assortment of PP-friendly commission-free ETFs (VTI, IVV, TLT, EDV, SHY). They charge $10 for other trades, though. eTrade is nice too because through then you can trade PERM commission-free. Hi, when you trade PP funds instead of each asset ind...
by frugal
Wed Nov 21, 2012 9:17 pm
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

Re: ALL my savings in ETF's is dangerous

Hello, 1st - GOLD and BONDS directly is perfect. Unfortunately for the EU-PP I don't think I can. 2nd - what do you think about opening an account in INTERACTIVE BROKERS for the VARIABLE Portfolio ? Do you think it is safe for a foreign citizen? If any problem exists (broker banrupcy or State proble...
by frugal
Wed Nov 21, 2012 3:58 pm
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

Re: ALL my savings in ETF's is dangerous

Thank you all!

So, what other things can we do to put our savings?

I dont think that normal PP user diversifies a lot...

Land, CD, EU.PP, US.PP, VP, where else ?
by frugal
Wed Nov 21, 2012 3:48 pm
Forum: Variable Portfolio Discussion
Topic: Making Variable Portfolio complementary to Permanent Portfolio
Replies: 22
Views: 12428

Re: Making Variable Portfolio complementary to Permanent Portfolio

tarentola wrote: Silver and other commodities are formally priced in dollars but are largely currency-independent.
Hi,

Can you please explain me the result of the sentence above.

Please exemplify.

Thank you.
by frugal
Tue Nov 20, 2012 4:53 pm
Forum: Permanent Portfolio Discussion
Topic: ALL my savings in ETF's is dangerous
Replies: 17
Views: 9768

ALL my savings in ETF's is dangerous

Hello, I am now feeling disconfortable putting all my portfolios in financial markets - ETFs I imagine that, - the ETFs can go broke, is there any possibility of disaster of these instruments? - the broker where i will have the portfolios bankrupt, is there any chance of losing the assets in my port...
by frugal
Tue Nov 20, 2012 4:39 pm
Forum: Permanent Portfolio Discussion
Topic: European PP achilles heel?
Replies: 45
Views: 23852

Re: European PP achilles heel?

Im happy to read your posts. Why you have 40% in cash? 25 is balanced Why dont you create a pp and a vp portolio? Instead of mixing it all. CD is a good option? Thanks :) Hi Grosso, but buying bonds from no EUR countries is also entering the exchange risk. I am starting to figure out that there are ...
by frugal
Sun Nov 18, 2012 4:15 pm
Forum: Permanent Portfolio Discussion
Topic: 80-90% of your Total Savings in PP
Replies: 43
Views: 22723

80-90% of your Total Savings in PP

Hello pp friends How much % of your savings from all your life you put in PP? First I was thinking to do: 50% saving account,  cash deposit, here the risk is bankrupcy of Portugal or Bank - I can get 4%/year interest 15% on PIMCO BOND FUNDS, to get average 6-7%/year with max DD of 20% 10% on Variabl...
by frugal
Sun Nov 18, 2012 3:42 pm
Forum: Permanent Portfolio Funds
Topic: EUROPEAN PP FUND
Replies: 2
Views: 4488

Re: EUROPEAN PP FUND

Hello,

Oooohhh

Having to make hedge to remove a bit of currency risk, it shouldnt be good idea to use US funds...

Correct?

Im sad because here in europe we should not use US PP  :'(
by frugal
Sun Nov 18, 2012 3:21 pm
Forum: Cash
Topic: Cash in EUROPE
Replies: 14
Views: 11649

Re: Cash in EUROPE

The market certainly feels that German Bunds are safe. German Bund yields are actually lower than US Treasury yields right now. Germany Bund 2 Year Yield -0.03% Germany Bund 5 Year Yield 0.35% Germany Bund 10 Year Yield 1.33% Germany Bund 30 Year Yield 2.25% vs... US Treasury 2 Year Yield 0.24% US ...
by frugal
Sun Nov 18, 2012 2:46 pm
Forum: Permanent Portfolio Discussion
Topic: Euro HB Permanent Portfolio using ETFs
Replies: 51
Views: 29531

Re: Euro HB Permanent Portfolio using ETFs

Hi Frugal, If the dollar goes down 30% vs the euro then when you sell Gold you get more dollars so you still get the right amount in euros. I am not sure if this is the solution to the risk you mentioned? Kind Regards,K Hello kw, I didnt understand what you wrote. The EU PP must have all 4 assets i...
by frugal
Sun Nov 18, 2012 8:57 am
Forum: Permanent Portfolio Discussion
Topic: Euro HB Permanent Portfolio using ETFs
Replies: 51
Views: 29531

Re: Euro HB Permanent Portfolio using ETFs

Hi Frugal, IAU is gold, in dollar prices.  You sell IAU and convert the dollars to euros. I only use IAU because the fee is 0.25%. VGK is European shares priced in dollars. So if the dollar gets weak, then the price of IAU and VGK will go up in dollars and when you exchange to euros you would not s...
by frugal
Sun Nov 18, 2012 6:46 am
Forum: Variable Portfolio Discussion
Topic: Making Variable Portfolio complementary to Permanent Portfolio
Replies: 22
Views: 12428

Re: Making Variable Portfolio complementary to Permanent Portfolio

Hi,
Yes US Bonds or Silver...

What about the USD currency risk? Isnt it important for an european citizen in VP and PP ?

Rgds
by frugal
Sun Nov 18, 2012 6:38 am
Forum: Permanent Portfolio Discussion
Topic: Euro HB Permanent Portfolio using ETFs
Replies: 51
Views: 29531

Re: Euro HB Permanent Portfolio using ETFs

Hi,

Isnt it risky to have those ETFs in USD??

Imagine that USD becomes even more weak...


Rgds
by frugal
Sun Nov 18, 2012 12:57 am
Forum: Permanent Portfolio Discussion
Topic: Euro HB Permanent Portfolio using ETFs
Replies: 51
Views: 29531

Re: Euro HB Permanent Portfolio using ETFs

K,

why you mix USD ETF's in your EU PP?

Do you make hedge ?

Regards.