Alright, I expect to get chewed out here for not going all in 4x25 from the outset but I have all allocated except for VTI.  If you were in my shoes (and hopefully you are not) now, what would be your strategy for entry into VTI going forward??  Thanks for the responses.

I had a discussion last night with a friend of mine about the HB PP 4x25. He does think this portfolio is a good one but his answers to my inquiries were if you have 15 years left to invest before retirement - why would you not increase the equity % and just convert your entire portfolio over to the...

Actually I think I will create my stock  portion as 2/3 VXF and 1/3 VT.  This will give me about 5% international exposure.

Any ideas on VT over VTI for the 25% stock portion of the PP?

For those of you who keep part of the CASH portion in your HSA, is that portion in a fund also within the HSA.

1/2 VFISX  1/2 BIL Yes this seems fine. I think 100% BIL and "scraps" of VMMXX would be better. IMO, keep it simple stupid (KISS), put practically all cash in T-bills as instructed, and move on. In one of my accounts I have 100% of my cash in VMMXX, which is not ideal, but IMO is just barely accept...

AHHHHHHH  yes,  now I get it.  Thanks

Hey Ozzy

How did the Juicy Portfolio do against a traditional HPP last year?
Any way you can run/backtest your portfolio against HPP for as far back as you can?
At least for me this would be a helpful comparison.  Thank you

"So, even though gold doesn’t generate interest or dividends, it can produce capital appreciation (price goes up) and those profits can be harvested and used in a balanced and diversified portfolio to produce real returns." Could someone explain this quote to me like am a second grader please? Thank...

1/2 VFISX  1/2 BIL

I would prefer to be all in Vanguard but the Admiral share Treasury Money Market account(VUSXX)count (is closed to new investors and right now I have all my CASH in VMMXX.  I would like to get a little yield anyway.  Any advice here?  Thanks

I though it would be interesting for only those doing the true PP to post what exactly they hold  and how they are holding it.  For example the breakdown in % of each of the 4 parts in detail.  Thanks for posting.

Hello Ozzy

Wow, surprised to hear you are giving up the VWINX fund.  Here is what I have decided to go with for my portfolio:

VWENX
IAU
EDV
VIOO
IVOO
VSS                                    The percentages come out to be about 50% stocks, 35% bonds, 15% gold