Search found 79 matches

by Matthew19
Mon Mar 23, 2020 2:21 pm
Forum: Permanent Portfolio Discussion
Topic: Who's had to rebalance?
Replies: 18
Views: 2791

Re: Who's had to rebalance?

I've been looking to transfer from PP to GB for a while now. It may be time to start that process while rebalancing.
by Matthew19
Mon Mar 23, 2020 1:40 pm
Forum: Permanent Portfolio Discussion
Topic: Who's had to rebalance?
Replies: 18
Views: 2791

Who's had to rebalance?

I'm getting close on the stock side. about 17% right now. Anyone hit a band yet?
by Matthew19
Thu Mar 19, 2020 12:33 pm
Forum: Permanent Portfolio Discussion
Topic: % of Funds in Retirement Accounts VS Taxable
Replies: 3
Views: 678

Re: % of Funds in Retirement Accounts VS Taxable

We have an LLC S-corp and can adjust our salary a bit to avoid SS tax. Right now it's higher than needed - so we pay more SS tax but can move more to the 401k. I don't know how to calculate if that's work it though.
by Matthew19
Thu Mar 19, 2020 11:46 am
Forum: Permanent Portfolio Discussion
Topic: % of Funds in Retirement Accounts VS Taxable
Replies: 3
Views: 678

% of Funds in Retirement Accounts VS Taxable

Thinking of poising my 401k contributions -

Is there a ratio that is commonly suggest for retirement accounts vs taxable? I know that a mixture gives you flexibility, but I'm unsure about what's right. At the moment I'm 25% 401k and 75% taxable.
by Matthew19
Thu Mar 12, 2020 1:40 pm
Forum: Permanent Portfolio Discussion
Topic: How to know the Intraday value of funds for rebalancing
Replies: 1
Views: 610

How to know the Intraday value of funds for rebalancing

During volatile periods how do we calculate the intraday value of stock fund rebalancing? I own the Fidelity FSKAX fund and if I rebalanced today I'd be pricing it 8% higher than the market price because it only calculates at the EOD. How does that even work with purchases, and would I buy buying at...
by Matthew19
Thu Mar 05, 2020 11:49 pm
Forum: Permanent Portfolio Discussion
Topic: Another phase completed!
Replies: 13
Views: 2448

Re: Another phase completed!

At some point this grand Permanent Portfolio thinking process will be over and I can then move my thinking focus elsewhere. Vinny I did the same thing - 4 months of study. several Evernote pages filled with notes. The PP is simple to implement but takes a while to accept and grasp. once you do ther...
by Matthew19
Fri Jan 31, 2020 11:24 am
Forum: Permanent Portfolio Discussion
Topic: Is cash really 2nd after bonds for retirement accounts?
Replies: 5
Views: 3444

Re: Is cash really 2nd after bonds for retirement accounts?

You could consider using your Roth IRA or HSA instead, I've been using series I savings bonds effectively as an extra, free tax-deferred retirement account. Plus if you need the cash, you don't have wait until you're 59.5 to get at it. (disadvantage: you probably don't want to be rebalancing out of...
by Matthew19
Wed Jan 29, 2020 10:41 pm
Forum: Permanent Portfolio Discussion
Topic: Is cash really 2nd after bonds for retirement accounts?
Replies: 5
Views: 3444

Is cash really 2nd after bonds for retirement accounts?

I've finally funded my 401k to the point that I have to consider what to buy after bonds I know that HB says cash, but in today's environment? The Fidelity TSM yields 1.7% and the 1 year t-bill is 1.55%. Also, wouldn't the potential gains from the stocks be better inside of a tax advantaged amount a...
by Matthew19
Tue Dec 10, 2019 12:29 am
Forum: Permanent Portfolio Discussion
Topic: New Member and Permanent Portfolio Novice. Asking for help
Replies: 15
Views: 2929

Re: New Member and Permanent Portfolio Novice. Asking for help

Ask yourself if you'd buy those stocks today at their current prices. Sell the ones that you wouldn't and then give a time frame to cut the others. You'll be rebuying several of them inside of the PP anyway with the Stocks portion of the portfolio. I was in this same situation just a few years ago. ...
by Matthew19
Mon Nov 04, 2019 1:22 am
Forum: Permanent Portfolio Discussion
Topic: Read the Permanent Portfoilio Bible?
Replies: 24
Views: 12482

Re: Read the Permanent Portfoilio Bible?

Hi buddies, I read Craig's book. I listen to MP3 of HB. Why should I read : 1- Fail-safe ... 2- Best Laid... ???? What can we learn more with them? Thank you so much! ^-^ Best Laid should be read to squash all desire to go outside of the PP with the money you cant affordable to lose. It’s insane ho...
by Matthew19
Thu Oct 24, 2019 7:18 pm
Forum: Permanent Portfolio Discussion
Topic: Read the Permanent Portfoilio Bible?
Replies: 24
Views: 12482

Re: Read the Permanent Portfoilio Bible?

+1 on best laid plans being the best.

It’s one of the few books that will be required reading for my kids.
by Matthew19
Thu Aug 08, 2019 10:19 am
Forum: Permanent Portfolio Discussion
Topic: Today I call on the PP for a service
Replies: 9
Views: 5401

Re: Today I call on the PP for a service

Just to follow up on this - I sold off about 350k of the PP to help purchase our other house cash. The locked in the 4% interest payment per we would have paid carrying a mortgage until the other house sold, and also saved about 2.5k in closing. The old house quickly though, so the better decision w...
by Matthew19
Mon Jul 15, 2019 2:28 pm
Forum: Permanent Portfolio Discussion
Topic: Gains from a Feb to July
Replies: 2
Views: 1381

Re: Gains from a Feb to July

Thanks!
by Matthew19
Mon Jul 15, 2019 2:12 am
Forum: Permanent Portfolio Discussion
Topic: Gains from a Feb to July
Replies: 2
Views: 1381

Gains from a Feb to July

I'm trying to find the PP performance from Feb 15 to July 15. Can anyone help me out please. Thanks!
by Matthew19
Tue Feb 12, 2019 10:03 am
Forum: Permanent Portfolio Discussion
Topic: Today I call on the PP for a service
Replies: 9
Views: 5401

Re: Today I call on the PP for a service

Thanks for the feedback everyone. I think you're right in saying that the PP needs to stay balanced. I've decided to sell off a balanced chunk of my PP that has some gains and buy the house cash. It will be much easier on my mind in case it takes time to sell the other. 2k/month interest payments on...
by Matthew19
Sat Feb 09, 2019 9:10 pm
Forum: Permanent Portfolio Discussion
Topic: Today I call on the PP for a service
Replies: 9
Views: 5401

Re: Today I call on the PP for a service

Option 1. The worst possible time to drain yourself of cash is when you're buying a home. Talk to your real estate agent about alternatives? There are lots of other ways to manage this situation without having to resort to a mortgage and all the pain that entails. (Btw there is no such thing as "no...
by Matthew19
Sat Feb 09, 2019 7:10 am
Forum: Permanent Portfolio Discussion
Topic: Today I call on the PP for a service
Replies: 9
Views: 5401

Today I call on the PP for a service

I own my current home with no mortgage. I'm buying a new one and plan to do the same via a no closing cost mortgage paid off quickly after the current home sales. So buy a new home first then sell the current one to pay the mortgage. I have two options : 1 - put down 20% on a new home and take the r...
by Matthew19
Mon May 14, 2018 4:03 pm
Forum: Permanent Portfolio Discussion
Topic: Vanguard Solo 401 Downside
Replies: 6
Views: 3748

Re: Vanguard Solo 401 Downside

Thanks guys. With Vanguard you basically can't buy anything thats not a fund, with Fidelity you can't do electronic funding or Roth. Shafted.
by Matthew19
Sat May 05, 2018 10:17 pm
Forum: Permanent Portfolio Discussion
Topic: Vanguard Solo 401 Downside
Replies: 6
Views: 3748

Vanguard Solo 401 Downside

I've been the contribution to my solo 401k,and from what I understand I should be putting LTB in this tax deferred account. I'm currently doing that in my taxable directly through the bond desks. What are the downsides to using vanguards bonds as an alternative, or should I just move over to fidelity?
by Matthew19
Sat May 13, 2017 8:32 pm
Forum: Permanent Portfolio Discussion
Topic: An Alternative Explanation for the Permanent Portfolio
Replies: 12
Views: 7272

Re: An Alternative Explanation for the Permanent Portfolio

Well written and interesting post on your site!
by Matthew19
Sat Feb 25, 2017 3:07 pm
Forum: Permanent Portfolio Discussion
Topic: Solo 401k - who to seek for help
Replies: 3
Views: 2154

Solo 401k - who to seek for help

I own an LLC. Unfortunately don't have a retirement setup yet, but I know a solo 401k is a good fit. My CPA only wants to be told what to do and won't advise me. Should I seek out a financial advisor for help with a solo 401k or are they just going to try and push their products on me? I actually se...
by Matthew19
Mon Oct 17, 2016 2:55 pm
Forum: Bonds
Topic: Any opinions on FZFXX
Replies: 3
Views: 3102

Re: Any opinions on FZFXX

Ok thanks. I wonder if FZFXX is preferable to FCASH for core position in Fidelity?
by Matthew19
Mon Oct 17, 2016 12:37 pm
Forum: Bonds
Topic: Any opinions on FZFXX
Replies: 3
Views: 3102

Any opinions on FZFXX

Fidelity looks to have this new fund, would it work for the STT?

FZFXX
by Matthew19
Mon Jul 25, 2016 10:42 pm
Forum: Permanent Portfolio Discussion
Topic: Problem with Peaktotrough
Replies: 4
Views: 2722

Re: Problem with Peaktotrough

Ah crap I was thinking we were still 12.5% ytd. What's the real gain?
by Matthew19
Fri Jun 24, 2016 9:47 pm
Forum: Permanent Portfolio Discussion
Topic: Brexit
Replies: 39
Views: 12420

Re: Brexit

It bears repeating: Harry Browne was a smart man. Amen. It's days like these when I thank my lucky stars I ran across Fail Safe Investing and this forum. I feel the same, but it was Best Laid Investments that did it for me. Breakfast was nice this morning when the wife asked how these giant stock m...