Search found 1050 matches

by stuper1
Mon Mar 11, 2013 9:17 pm
Forum: Permanent Portfolio Discussion
Topic: Another 401k Question
Replies: 6
Views: 2084

Re: Another 401k Question

#1 sounds better to me too, but I backtested it from 1972 - 2010 with the RiskCog portfolio optimizer and #2 came out slightly better (this assumes that the stable-value fund acts just like T-bills, which probably isn't true).  #1 had an annual return of 9.37% with a worst year of -5.32%, and #2 had...
by stuper1
Mon Mar 11, 2013 7:10 pm
Forum: Permanent Portfolio Discussion
Topic: Backtesting Tool
Replies: 7
Views: 2303

Re: Backtesting Tool

Are there any other similar, free tools available? 

I'd like to check my results against something else to verify.
by stuper1
Mon Mar 11, 2013 6:43 pm
Forum: Permanent Portfolio Discussion
Topic: Backtesting Tool
Replies: 7
Views: 2303

Backtesting Tool

Is this considered a good tool for backtesting various asset allocations:

http://www.riskcog.com/portfolio-theme2 ... c5z83ff4kb
by stuper1
Sun Mar 10, 2013 10:15 pm
Forum: Other Discussions
Topic: Checking on Banks
Replies: 10
Views: 2392

Re: Checking on Banks

I'm getting 1.17% on up to $25k at First Bank & Trust in Brookings, South Dakota.  Weiss gives them a B- grade, which is OK I think.
by stuper1
Sun Mar 10, 2013 10:13 pm
Forum: Other Discussions
Topic: Home/Automobile Insurance
Replies: 8
Views: 7387

Re: Home/Automobile Insurance

Does anyone have any other insurance companies to recommend to me that offer good value in terms of price and service?  Thanks.
by stuper1
Sun Mar 10, 2013 6:57 pm
Forum: Permanent Portfolio Discussion
Topic: Another 401k Question
Replies: 6
Views: 2084

Re: Another 401k Question

Sorry for the confusion.  For simplicity, let's say my total portfolio is $400k.  Here are the two alternatives: 1.  Put $60k of cash into the 401k stable-value fund.  The other $40k of cash will be in my taxable emergency fund. 2.  Put $60k into my 401k U.S. aggregate bond index fund (remember this...
by stuper1
Sun Mar 10, 2013 5:23 pm
Forum: Other Discussions
Topic: Home/Automobile Insurance
Replies: 8
Views: 7387

Home/Automobile Insurance

I've had my insurance with USAA for many years.  From what I understand, it's supposed to be a high-quality insurance provider.  I'm currently paying about $2,100 per year for home/auto.  I got a quote through my employer's discount insurance coverage for $1,400 for the same coverage through MetLife...
by stuper1
Sun Mar 10, 2013 5:16 pm
Forum: Permanent Portfolio Discussion
Topic: Another 401k Question
Replies: 6
Views: 2084

Another 401k Question

I think I've dropped my idea of tweaking the PP.  As I read more here and in the new book, I'm starting to understand the ying/yang beauty of PP.  I'll start at 4x25 and let the market decide where things should go.  Then, the rebalancing will lock in gains and buy value (sell high and buy low).  Ha...
by stuper1
Sun Mar 10, 2013 9:23 am
Forum: Gold
Topic: PMGOLD ?
Replies: 25
Views: 10365

Re: PMGOLD ?

I think I forgot that I would have to pay Australian taxes when it comes time to sell, along with U.S. taxes (unless it's in my Roth IRA).  I think that is going to make this a no go, unless I'm missing something.  Does anybody know what the tax consequences would be?
by stuper1
Sun Mar 10, 2013 12:06 am
Forum: Permanent Portfolio Discussion
Topic: PP Tweak
Replies: 30
Views: 6765

Re: PP Tweak

Kshartle,

I'm not quite clear on what mix you're recommending.  Are you saying my 30/30/25/15 mix is about right, or are you suggesting something else?

Stuart
by stuper1
Sat Mar 09, 2013 3:42 pm
Forum: Permanent Portfolio Discussion
Topic: PP Tweak
Replies: 30
Views: 6765

Re: PP Tweak

Melveyr, Regarding changing the cash allocation to dial in your return/risk level, that's exactly how I see it also. I see myself as a middle-aged guy still pretty far from retirement, who doesn't want to get too risky, but also wants to see good returns on average (understanding that won't happen i...
by stuper1
Sat Mar 09, 2013 1:08 pm
Forum: Permanent Portfolio Discussion
Topic: PP Tweak
Replies: 30
Views: 6765

PP Tweak

I'm having trouble with the thought of holding so much cash, especially since my annual contributions (currently about 5% of total) will be going into cash.  I'm only 46 and don't plan to retire until 60 or older, so I can handle a little extra risk.  In the new PP book, Figure 5.4 shows the 1972-20...