Hey Ozzy
  Just out of curiosity why didn't you include REITS or TIPS?
I have a modified portfolio similar to yours and will be finalizing it today so will post it later.

Hey Ozzy
  Give us an update on your current holdings in the Juicy variable permanent portfolio and let us know how it is doing now that we are more than half way through with 2014.  Thanks

I own some GTU  in a tax advantaged account --do I still need to file special forms??

Discount premium now is -2.28 according to Morningstar - - does this indicate a good time to buy?

Any comments on this portfolio would be welcome.  I backtested it to 1972 and CAGR was over 11%

30%  VTI    Total Stock Market
15%  VXUS  Total international
15%  VGLT  Long bond
10%  VBR    Small cap value
10%  VNQ    REIT
10%  VTIP  Short term tips
  5%  Gold
  5%  VWO  Emerging markets

- 25% in Vanguard Total Stock Market Index (VTSMX) - 10% in Vanguard Wellesley Income Fund (VWINX) - 10% in Gold - 10% in Vanguard REIT Index (VGSIX) - 15% in Vanguard Total International Stock (VGTSX) - 5% in Vanguard Emerging Markets Stock Index Fund(VEIEX) - 10% in Vanguard Inflation Protected S...

- 30% in Vanguard Total Stock Market Index (VTSMX) - 20% in Vanguard REIT Index (VGSIX) - 20% in Vanguard Total International Stock (VGTSX) or (15% in VGTSX and 5% in VEIEX) - 15% in Vanguard Inflation Protected Securities (VIPSX) - 15% in Vanguard Long Term Treasury Index (VUSTX) If someone could r...

Got it, thank you

Could someone explain this concept to me please?
FISH

Ozzy
Have you ever considered VT for your stock portion instead of VTI and international.  It would also give you a little Emerging Market exposure.
FISH

It is not a commission charge, it is a redemption fee that I was asking the question about.

Got it, thanks