Search found 129 matches

by mukramesh
Thu Nov 26, 2015 10:35 am
Forum: Permanent Portfolio Discussion
Topic: This Forum & Dissenting Opinions of the HBPP
Replies: 193
Views: 22270

Re: This Forum & Dissenting Opinions of the HBPP

The following is my opinion only:

Dissenting opinions = fine
Thread jacking = Depends on the circumstance. Sometimes it happens accidentally and often times not a big deal.
Purposely thread jacking every thread = Absolutely not fine and ban-worthy
by mukramesh
Wed Nov 25, 2015 3:13 pm
Forum: Bonds
Topic: Getting Started with Bonds
Replies: 57
Views: 14274

Re: Getting Started with Bonds

Wow, I didn't realize I'd start such a lively discussion. Sorry for going silent, I got busy with work. I'm reading through the replies with wide eyes. With the long weekend I hope to do some more reading and get a sense of my comfort level with bonds. Thanks and Happy Thanksgiving to all! SG This ...
by mukramesh
Mon Nov 02, 2015 4:02 pm
Forum: Permanent Portfolio Discussion
Topic: Investing in an HSA - Tax Efficiency
Replies: 13
Views: 2822

Re: Investing in an HSA - Tax Efficiency

I have one with Fidelity through my employer's health plan and they pay all fees (other than trading fees). It has a brokerage window (Fidelity trades iShares and US Treasuries for free) and I can also use it to invest in our 401k funds. Seems like a great deal to me :) I will likely put the HSA fun...
by mukramesh
Mon Nov 02, 2015 11:25 am
Forum: Permanent Portfolio Discussion
Topic: Investing in an HSA - Tax Efficiency
Replies: 13
Views: 2822

Re: Investing in an HSA - Tax Efficiency

Xan wrote: I think your HSA would just be an extension of your traditional IRA.
I think this answers the question. So essentially I would put in the asset that has the highest growth prospects in the HSA, similar to a traditional IRA. I guess this would be... stocks?

Thanks!
by mukramesh
Fri Oct 30, 2015 2:20 pm
Forum: Permanent Portfolio Discussion
Topic: Investing in an HSA - Tax Efficiency
Replies: 13
Views: 2822

Investing in an HSA - Tax Efficiency

Hi All, I currently have a Health Savings Account (HSA) with a balance that is 100% cash (the Core position that can be used to pay for qualified medical expenses). I do consider this part of my Permanent Portfolio. To increase my tax efficiency, I am considering using these funds to invest in eithe...
by mukramesh
Wed Sep 30, 2015 3:18 pm
Forum: Permanent Portfolio Discussion
Topic: The Reason to Quit PP
Replies: 273
Views: 36116

Re: The Reason to Quit PP

Why bother donning a winter coat in summer, just because we know winter is coming? Enjoy the summer, but know where the coat is. Maybe one can find a good deal on a winter coat in the summer because no one else is buying? maybe if they live in the bahamas they shouldn't be buying a winter coat befo...
by mukramesh
Tue Sep 29, 2015 1:42 pm
Forum: Permanent Portfolio Discussion
Topic: The Reason to Quit PP
Replies: 273
Views: 36116

Re: The Reason to Quit PP

ochotona wrote: Why bother donning a winter coat in summer, just because we know winter is coming? Enjoy the summer, but know where the coat is.
Maybe one can find a good deal on a winter coat in the summer because no one else is buying?
by mukramesh
Wed Sep 02, 2015 12:28 pm
Forum: Permanent Portfolio Discussion
Topic: Signal-to-noise ratio problem
Replies: 24
Views: 3072

Re: Signal-to-noise ratio problem

So what you're saying is... gold is going to save the day? It's the only asset which, according to you, isn't 'possibly topping.' I don't understand why everyone is so anti-PP all of a sudden, especially with it handily beating the market YTD. It is performing within the expected bounds (according t...
by mukramesh
Fri Aug 28, 2015 4:40 pm
Forum: Variable Portfolio Discussion
Topic: 401k Lemonade
Replies: 10
Views: 3113

Re: 401k Lemonade

Sounds like a good plan to me. Glad I could help  :D
by mukramesh
Wed Aug 26, 2015 5:56 pm
Forum: Permanent Portfolio Discussion
Topic: Black Monday
Replies: 83
Views: 11710

Re: Black Monday

I don't see why average returns would be useful for projecting forward. I lost many hours of my life reading about this last night that I'll never get back.  It's boring and confusing.  Let me see if I can summarize so you don't suffer the same fate. Thanks for the response, Tyler! Though, I still ...
by mukramesh
Wed Aug 26, 2015 5:47 pm
Forum: Variable Portfolio Discussion
Topic: 401k Lemonade
Replies: 10
Views: 3113

Re: 401k Lemonade

Yes there are definitely some scenarios where you wouldn't have enough cash to buy the assets in the IRA. I actually put my yearly IRA contribution and 401k contributions in Cash and decide what to do when I hit a rebalancing band. Since I am in the accumulation phase, I expect to only hit rebalanci...