in the mean time 100% equities in retirement , over the 119 30 year cycles we have had has actually had as high a success rate for the most part as 50/50 .... the reason being the higher up years cushion spending in the down years .... long term equities may be volatile but diversified funds have n...

In his book The (Mis)Behavior of Markets , the famous mathematician Benoit Mandelbrot showed why he thought stocks are far, far riskier than most people think, and as a result he said that most people should have much less exposure to them. That statement by Mandelbrot is actually one reason why I ...

Turbo, sorry if I missed it, but why do you want to change your 60/40 to the PP? Just curious as you seem to have concerns about at least one of the assets. Good question. The market has lost roughly 25% in a very short amount of time. That means I'm down roughly 15%. As Harry Brown stated, nobody ...

Do they only offer these target date funds? That would be strange. Most employers offer individual funds as well for those that want to control their own allocation. It is pretty standard to default people to the target date funds. My employer does that on the default, but we also have Fidelity ind...

Heck, I would have a lot more qualms about buying bonds than gold right now. Wait, that probably isn’t helpful.... ;) Why is that? I am finding that my TLT/VUSTX holdings are a good counter to the falling stocks as of late. Do you think the LT treasuries are peaking? They are at the all time high, ...

Thanks for the ideas. I am thinking that I will convert half of it (along with anything new contributed) to the PP and leave the other half 60/40 and then slowly DCA it. How do you all handle your 401K? I will probably leave mine at 60/40 since there are such limited options (no LT treasuries, gold...

Heck, I would have a lot more qualms about buying bonds than gold right now. Wait, that probably isn’t helpful.... ;) Why is that? I am finding that my TLT/VUSTX holdings are a good counter to the falling stocks as of late. Do you think the LT treasuries are peaking? People have been thinking LTT's...

I personally include my 401k. I just hold LTT's and gold in my IRA and taxable. I also do have some bond holdings in my 401k, but I just use total bond market fund as a proxy for the barbell. I prefer the barbell, but you gotta do what you gotta do. Total bond market over the long haul performs ver...

Smith1776 wrote: ↑Thu Mar 12, 2020 3:05 pm Wow. Even gold and long bonds haven't been spared recently.

The only thing holding steady is good ol' cash.

Noticed that! I recall there was a similar stretch in 2008.

I Shrugged wrote: ↑Tue Mar 10, 2020 2:57 pm Heck, I would have a lot more qualms about buying bonds than gold right now.
Wait, that probably isn’t helpful....

Why is that? I am finding that my TLT/VUSTX holdings are a good counter to the falling stocks as of late. Do you think the LT treasuries are peaking?

Thanks for the ideas. I am thinking that I will convert half of it (along with anything new contributed) to the PP and leave the other half 60/40 and then slowly DCA it. How do you all handle your 401K? I will probably leave mine at 60/40 since there are such limited options (no LT treasuries, gold ...

I have a Bogleheads portfolio for my Roth IRA which is 60% stocks (VTSAX) and 40% bonds (VBTLX). Looking to transition to a Permanent Portfolio but it is looking like we're close to peak gold as it's currently at $1500 or so. Something tells me it may not be a good idea to put too much into a gold E...