Search found 688 matches

by rocketdog
Sun Apr 13, 2014 3:53 pm
Forum: Permanent Portfolio Discussion
Topic: The 4% withdrawal rule and taxes
Replies: 7
Views: 2223

Re: The 4% withdrawal rule and taxes

Not that this impacts someone who's purely PP, but I recently read a controversial article titled "Reducing Retirement Risk with a Rising Equity Glide-Path" that makes the argument that retirees should gradually increase their equity positions over time.  This goes against the traditional advice of ...
by rocketdog
Sun Apr 13, 2014 3:45 pm
Forum: Permanent Portfolio Discussion
Topic: Vanguard Vs Fidelity Vs Schwab Vs ETrade Vs Other? Best In Class At What?
Replies: 13
Views: 10540

Re: Vanguard Vs Fidelity Vs Schwab Vs ETrade Vs Other? Best In Class At What?

A mere $10,000 holding would cost an additional $14/year in expenses if held in Schwab's commission free SGOL vs paying the commission and buying IAU. If you have more than 10k to invest in gold ETFs, find a place with low commissions and buy the ETF with the lower expense ratio. True, but you can ...
by rocketdog
Sun Apr 13, 2014 3:24 pm
Forum: Permanent Portfolio Discussion
Topic: YTD Results of Permanent Portolio with/out Cash
Replies: 17
Views: 7475

Re: YTD Results of Permanent Portolio with/out Cash

Harry Browne Permanent Portfolio http://www.myplaniq.com/LTISystem/jsp/portfolio/ViewPortfolio.action?ID=17551 Harry Browne Permanent Portfolio Without Cash http://www.myplaniq.com/LTISystem/jsp/portfolio/ViewPortfolio.action?ID=38351 That's pretty much what I would have expected to see:  increased...
by rocketdog
Sun Apr 13, 2014 3:21 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 78
Views: 23459

Re: Replacing Cash with VWINX, the results look juicy

You're not restricted from owning both VWINX and VWELX, don't forget.  You can mix and match them to get the blend you want: heavier on VWELX while you're young, then gradually shifting more and more into VWINX as retirement approaches.  Just a thought. 
by rocketdog
Sun Apr 13, 2014 3:18 pm
Forum: Permanent Portfolio Discussion
Topic: YTD Results of Permanent Portolio with/out Cash
Replies: 17
Views: 7475

Re: YTD Results of Permanent Portolio with/out Cash

Personally, I keep 6 months emergency cash outside my investment accounts, and very little cash inside my investment accounts (5%-10%).  So I don't view the cash sitting in a checking account as being part of my PP.  I don't go 25% cash in my PP because of its weak long-term performance.  I have 15-...
by rocketdog
Sun Apr 13, 2014 3:02 pm
Forum: Permanent Portfolio Discussion
Topic: What does Draw down mean exactly?
Replies: 5
Views: 2039

Re: What does Draw down mean exactly?

During the accumulation phase, "max draw down" refers to the maximum loss a portfolio or other investment might suffer over some period of time.  Investopedia explains it as follows: Definition of 'Drawdown' The peak-to-trough decline during a specific record period of an investment, fund or commodi...
by rocketdog
Sun Apr 13, 2014 12:03 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 78
Views: 23459

Re: Replacing Cash with VWINX, the results look juicy

You might also look at VWELX.  Not so much for the cash portion of the PP, but for your VP or in a 401k or other retirement account where you can't replicate a PP.  Larger allocation to stocks than VWINX, with slightly higher returns over time.  Both are good "set it and forget it" funds, with low e...
by rocketdog
Sun Feb 16, 2014 4:15 pm
Forum: Permanent Portfolio Discussion
Topic: Pushing your chips "all in" for the PP
Replies: 14
Views: 2955

Re: Pushing your chips "all in" for the PP

I think that the PP book has probably caused a lot of people to go back and read Harry Browne's books as well, which is a really good thing.  Browne had a lot of insightful things to say about investing and the world in general. I recently purchased a (used) copy of each of HB's books on investing....
by rocketdog
Sun Feb 16, 2014 4:10 pm
Forum: Permanent Portfolio Discussion
Topic: Inflation Coming
Replies: 1
Views: 1138

Re: Inflation Coming

Hard assets tend to do well during inflation, like oil (OIL, DBO), real estate (VNQ, VNQI), agriculture (DBA, MOO), and commodities (DBC, USCI).  Stocks also tend to do reasonably well during inflation (VT, VTI).  TIPS are supposed to react positively to inflation (TIP, SCHP), but I guess we'll find...
by rocketdog
Sun Feb 16, 2014 3:54 pm
Forum: Permanent Portfolio Discussion
Topic: PP implementation: balancing during accumulation phase
Replies: 3
Views: 2252

Re: PP implementation: balancing during accumulation phase

I wrestled with whether to look at all our (my wife and me) retirement accounts as one "overall" account, or whether to treat each account as an island unto itself.  I decided to do the latter, since you can't rebalance between retirement accounts.  It's a lot more work to track, but I feel it gives...
by rocketdog
Sun Feb 16, 2014 3:24 pm
Forum: Permanent Portfolio Discussion
Topic: How secure is an all ETF PP if a second market crash happens like in 1929?
Replies: 7
Views: 3990

Re: How secure is an all ETF PP if a second market crash happens like in 1929?

If I was just getting ready to create a PP for myself today, I would probably dip a toe into the water by dollar cost-averaging every few months.  Depending on the investing time horizon I was looking at, I'd also change the weightings to be stock-heavy and bond-light... at least for the time being....
by rocketdog
Sun Feb 16, 2014 2:51 pm
Forum: Permanent Portfolio Discussion
Topic: PP thread at Bogleheads
Replies: 30
Views: 11098

Re: PP thread at Bogleheads

MediumTex wrote: I love you guys.

I feel really blessed to have a group of people who care about me enough to riff on my nickname.
In that event, I should add that I attended my high school prom wearing a Medium Tux. 



Hello?  Is this thing on? 

(cue cricket sound effect)