Search found 1050 matches

by stuper1
Wed Mar 20, 2013 3:06 pm
Forum: Cash
Topic: Why Hold Cash?
Replies: 17
Views: 5319

Re: Why Hold Cash?

Thank you for helping me understand this stuff.  No, I didn't know the difference between value and yield.  I think that's where I was misunderstanding.  I figured they were basically correlated, so that something with a good yield would have a good value also. I certainly do have a lot of reading t...
by stuper1
Wed Mar 20, 2013 2:27 pm
Forum: Cash
Topic: Why Hold Cash?
Replies: 17
Views: 5319

Why Hold Cash?

I'm still having trouble understanding why to hold cash, other than just say an emergency fund of 6-12 months of living expenses.  Please help me to understand this.  Here is a graph I made at the St. Louis Fed website that shows daily interest rates for 6-month T-bills, 20-year T-bonds, and 30-year...
by stuper1
Fri Mar 15, 2013 9:05 am
Forum: Gold
Topic: Buying IAU
Replies: 3
Views: 1739

Buying IAU

Is it important to try to time things a bit until the bid/ask spread is low?  I've seen it vary recently from 0.1 to 0.01.  Should I try to time my purchase for when it's at 0.01?
by stuper1
Fri Mar 15, 2013 7:38 am
Forum: Cash
Topic: Building a T-Bill Ladder
Replies: 11
Views: 4451

Re: Building a T-Bill Ladder

I'm a bit confused by your response, which is probably my fault because I'm very new at this.  Let me make it a bit more concrete.  Let's say I have $20,800 to put into this rolling ladder.  I want bills to mature each week.  I could buy a $5,200 4-wk bill for four consecutive weeks and be done with...
by stuper1
Thu Mar 14, 2013 10:25 pm
Forum: Cash
Topic: Building a T-Bill Ladder
Replies: 11
Views: 4451

Building a T-Bill Ladder

Is there a consensus on the best proportion of 1/3/6/12-month T-bills for a ladder?
by stuper1
Wed Mar 13, 2013 7:54 pm
Forum: Gold
Topic: PMGOLD ?
Replies: 25
Views: 10365

Re: PMGOLD ?

Bron, thanks for all the good info.  I am very new to this subject, so please forgive me if I ask silly questions.  My broker can show me the bid/ask spread when I buy now, but is my total fee for that gold allotment also going to depend on the bid/ask spread at the time I sell years down the road?
by stuper1
Wed Mar 13, 2013 4:24 pm
Forum: Cash
Topic: I-Bond Question
Replies: 15
Views: 5078

Re: I-Bond Question

Here's what I'm trying to understand.  If somewhere down the road, cash gets very valuable all of a sudden and I have a lot of I-Bonds instead of T-Bills, will I have missed a huge price jump that would likely have helped my cash portion pass the 35% rebalancing band that would have triggered buying...
by stuper1
Wed Mar 13, 2013 10:46 am
Forum: Cash
Topic: I-Bond Question
Replies: 15
Views: 5078

I-Bond Question

I've been reading here about I-bonds, and they sound like a good place for some of my deep taxable cash.  I understand I can only buy $10k per year, have to hold for at least one year, and pay a 3-month penalty if redeem in less than 5 years.  Here's my question:  from an overall HBPP perspective, w...
by stuper1
Wed Mar 13, 2013 8:12 am
Forum: Gold
Topic: PMGOLD ?
Replies: 25
Views: 10365

Re: PMGOLD ?

Is there a way of seeing what the buy/sell spread is at any given time, so I can try to time my purchase when it is low?

Will the buy/sell spread when I go to sell (hopefully many, many years down the road) affect my final total fees for this portion of my gold?
by stuper1
Tue Mar 12, 2013 2:19 pm
Forum: Permanent Portfolio Discussion
Topic: Extra Time for Bond Ladders
Replies: 6
Views: 2478

Re: Extra Time for Bond Ladders

For any investment you should track your basis. For debt-type instruments I also like to track the yield (annual rate). For bonds/bills purchased on the secondary market you should track what if any premium/discount to face value at time of purchase.  (Which can then be used to calculate your actua...
by stuper1
Tue Mar 12, 2013 12:15 pm
Forum: Permanent Portfolio Discussion
Topic: Backtesting Tool
Replies: 7
Views: 2303

Re: Backtesting Tool

I'm very new around here, so I'm not quite sure what the deal is with simba's spreadsheet.  What are the deficiencies?  I tried searching the forum for "simba", but I didn't get much info.
by stuper1
Tue Mar 12, 2013 8:04 am
Forum: Gold
Topic: PMGOLD ?
Replies: 25
Views: 10365

Re: PMGOLD ?

Newbie question here.  For PMGOLD, Bron mentions the 0.15% management fee and a 1% buy/sell spread.  I didn't know about the 1% buy/sell spread.  I figured that was part of the management fee.  To compare apples to apples with IAU, which has a 0.25% expense ratio, is there a buy/sell spread, or any ...