Search found 75 matches

by stpeter
Fri Feb 04, 2022 8:43 pm
Forum: Permanent Portfolio Discussion
Topic: Retiring in scary environment of 2022: Invest 100% of capital into PP now, or hold cash and deploy slowly to avoid SORR?
Replies: 33
Views: 7232

Re: Retiring in scary environment of 2022: Invest 100% of capital into PP now, or hold cash and deploy slowly to avoid S

Dollar cost average in, twice a year, over the next 2 years, might be a prudent way to go. When I got started with the PP a while back, I DCA'd quarterly over 2 years. I rested easier that way, and to me the PP is the sleep-well-at-night portfolio so it all fit together. You have to do what you're ...
by stpeter
Sat Jan 02, 2021 5:08 pm
Forum: Permanent Portfolio Discussion
Topic: Permanent portfolio poll
Replies: 28
Views: 9342

Re: Permanent portfolio poll

4x25 with 30/20% rebalance bands. Keeping it simple. :-)
by stpeter
Sat Jan 02, 2021 3:39 pm
Forum: Permanent Portfolio Discussion
Topic: 2020 Permanent Portfolio Return Poll
Replies: 15
Views: 6029

Re: 2020 Permanent Portfolio Return Poll

21.42%. Rebalancing in early April helped!
by stpeter
Fri Jul 03, 2020 4:41 pm
Forum: Permanent Portfolio Discussion
Topic: New Permanent Portfolio book: "Investing Equanimity"
Replies: 42
Views: 27035

Re: New Permanent Portfolio book: "Equanimity Investing"

Way cool, and congratulations! I'd like to point out to everyone that blue_ruin's other book looks pretty good as well: https://www.amazon.com/gp/product/B07RV5QM1Y/ Wow, yes. Can't wait to read this book. BTW blue_ruin your Amazon author page still shows only the one book, so you might want to upd...
by stpeter
Mon Jun 01, 2020 9:47 am
Forum: Gold
Topic: Commercial Gold Vaults in USA
Replies: 3
Views: 2502

Re: Commercial Gold Vaults in USA

Actually, when you look at the language of the law that created the Texas Bullion Depository, the act refers to any "gold depository in Texas." That would include the Texas Bullion Depository which is owned by Texas Precious Metals. "Q: Who owns the Texas Bullion Depository? A: The Texas Bullion De...
by stpeter
Fri Apr 24, 2020 11:15 am
Forum: Permanent Portfolio Discussion
Topic: New Member and Permanent Portfolio Novice. Asking for help
Replies: 15
Views: 7590

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

Rebalance (i.e. distribute excess cash among the other assets) every so often - no need to wait until you hit the rebalancing band with cash. The whole thing above was great! Spelling it all out both concisely yet with detail. However, for we literalists out here, can you more precisely define "eve...
by stpeter
Fri Apr 24, 2020 11:07 am
Forum: Permanent Portfolio Discussion
Topic: Gold / Stock / Bonds at highs or near highs?
Replies: 95
Views: 63677

Re: Gold / Stock / Bonds at highs or near highs?

Vinny, Just. Do. It. Not a simple task on my end, starting with having 7 different retirement accounts covering every possible different tax treatment for each of them. Whenever I'm going to do something of consequence I take my time to get all my questions answered, don't rush into it, and, conseq...
by stpeter
Sun Apr 12, 2020 9:00 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 45
Views: 30957

Re: New to Permanent Portfolio

So, 20% would mean 20-30% for each asset class right? Quite a bit narrower from what HB recommended. Yes, that is my understanding of it as well. HB suggested rebalancing at 15% or 35% of the portfolio, so +/- 40% rather than +/-20%. Great find! The original paper is well worth reading: http://reso...
by stpeter
Sun Apr 12, 2020 7:33 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 45
Views: 30957

Re: New to Permanent Portfolio

So, 20% would mean 20-30% for each asset class right? Quite a bit narrower from what HB recommended. Yes, that is my understanding of it as well. HB suggested rebalancing at 15% or 35% of the portfolio, so +/- 40% rather than +/-20%. Great find! The original paper is well worth reading: http://reso...
by stpeter
Sat Apr 11, 2020 3:22 pm
Forum: Permanent Portfolio Discussion
Topic: Pricing Assets in Gold, Not Dollars
Replies: 10
Views: 3777

Re: Pricing Assets in Gold, Not Dollars

... Does anyone here on the forum price the four PP assets in terms of gold, not dollars? .. Ha! Not the assets, but I used to think about the equivalent of things like my home in ounces of gold. And my portfolio total. Problem is, I think of it in US$ first and then convert to gold using the spot ...
by stpeter
Fri Apr 10, 2020 6:25 pm
Forum: Permanent Portfolio Discussion
Topic: Pricing Assets in Gold, Not Dollars
Replies: 10
Views: 3777

Pricing Assets in Gold, Not Dollars

Several recent threads set me to thinking about the long-term decline in the value of the dollar (and other fiat currencies). Does anyone here on the forum price the four PP assets in terms of gold, not dollars? There's an interesting website pricedingold.com that shows you the value of, say, an S&P...
by stpeter
Fri Apr 10, 2020 6:05 pm
Forum: Gold
Topic: Looking for recommendations for investing in paper gold (401k and Roth IRA)
Replies: 17
Views: 7171

Re: Looking for recommendations for investing in paper gold (401k and Roth IRA)

When I adopted the permanent portfolio about 5 years ago, I did a bunch of research and got most comfortable with SGOL, in large measure because they store their physical gold in Switzerland.
by stpeter
Tue Mar 24, 2020 8:48 pm
Forum: Permanent Portfolio Discussion
Topic: Fed Going Nuclear - Will the PP get radiation poisoning?
Replies: 37
Views: 11897

Re: Fed Going Nuclear - Will the PP get radiation poisoning?

It makes me wonder if the PP could hold up to a situation where the US is steadily diluted out of being the world reserve currency while the long-term debt cycle comes to an end. What's your prediction on which currency will replace the U.S. dollar? Euro? The euro area economy is even weaker than t...
by stpeter
Thu Feb 13, 2020 3:45 pm
Forum: Permanent Portfolio Discussion
Topic: A popular blogger misses most of it with Gold and the PP
Replies: 11
Views: 8680

Re: A popular blogger misses most of it with Gold and the PP

2. I think it was craigr who pointed out that many of the largest companies in the S&P 500 have substantial commercial real estate holdings.That means an exposure to real property without the managerial risk and expenses associated with selecting and owning an individual REIT. That's a good point. ...
by stpeter
Sat Feb 08, 2020 8:15 pm
Forum: Permanent Portfolio Discussion
Topic: A popular blogger misses most of it with Gold and the PP
Replies: 11
Views: 8680

Re: A popular blogger misses most of it with Gold and the PP

The PP seems to avoids real estate, perhaps because many people are already heavily invested through home ownership (I'd need to revisit what HB says). OK, I checked: HB discusses real estate on pages 114-115 of Fail Safe Investing. He focuses on the fact that your home is not an investment - inste...
by stpeter
Sat Feb 08, 2020 6:56 pm
Forum: Permanent Portfolio Discussion
Topic: A popular blogger misses most of it with Gold and the PP
Replies: 11
Views: 8680

Re: A popular blogger misses most of it with Gold and the PP

Probably lost in my comment responding to ERN's article was this link to an article by the excellent financial advisor Steven Evanson: https://www.evansonasset.com/alternative-asset-classes-64.htm That's an interesting read. Thanks for sharing. Agreed. In his conclusion, the author states that "the...
by stpeter
Mon Oct 28, 2019 9:01 pm
Forum: Permanent Portfolio Discussion
Topic: What is your current portfolio?
Replies: 35
Views: 27334

Re: What us your current portfolio?

I initially went all in with the PP in 2008 but transitioned to the GB about 3 years ago. The reason I did that was precisely for the reason people often warn about with the standard 4x4 - that it will be hard to stick with in times of prosperity when stocks are outperforming (hello Bud and Mathjak...
by stpeter
Wed Oct 23, 2019 7:15 pm
Forum: Permanent Portfolio Discussion
Topic: Financial Planning Software
Replies: 4
Views: 7340

Financial Planning Software

Do folks here have preferred software for financial planning (e.g., running retirement scenarios)? I've used Silver Planner but it didn't seem ideal for modeling investments like gold. Any suggestions are welcome. Thanks!
by stpeter
Sat Oct 05, 2019 7:14 pm
Forum: Permanent Portfolio Discussion
Topic: Gold / Stock / Bonds at highs or near highs?
Replies: 95
Views: 63677

Re: Gold / Stock / Bonds at highs or near highs?

In sum I was all set to go full into the Permanent Portfolio and was describing it to someone who then pointed out to me that all three of these were near their all time highs. For those of you who have FULLY embraced the Permanent Portfolio and made your investment all at once can you reveal where...
by stpeter
Tue Sep 03, 2019 10:34 am
Forum: Gold
Topic: Texas Bullion Depository Open for Business
Replies: 19
Views: 17854

Re: Texas Bullion Depository Open for Business

It may be worth checking to see if Texas Bullion Repository outsources its website and cybersecurity, like Perth Mint does. I bet the answer is yes, in which case your data are actually in the hands of that company, not the one you think. I contacted the Texas Bullion Depository and they said "All ...
by stpeter
Mon Jan 02, 2017 12:46 pm
Forum: Permanent Portfolio Discussion
Topic: IMPORTANT: PP FORUM *NOT* GOING AWAY
Replies: 45
Views: 30683

Re: IMPORTANT: PP FORUM GOING AWAY

Update: Looks like a VPS hosted version could be as cheap as $10/mo, though that would depend on traffic. I have my own VPS, too. Easy enough to run such things. :-) Please reply to this message so I can gauge interest. I can set up a new Discourse forum today with the trial and we can figure out t...
by stpeter
Mon Jan 02, 2017 11:25 am
Forum: Permanent Portfolio Discussion
Topic: IMPORTANT: PP FORUM *NOT* GOING AWAY
Replies: 45
Views: 30683

Re: IMPORTANT: PP FORUM GOING AWAY

Ive posted before, but maybe it is worth another try for a Slack group. https://permanentportfolio.slack.com You can signup here: https://permanentportfolioslack.herokuapp.com/ Not a forum style with threads but can have a room for gold/bonds/etc +1 to Slack. Once you go Slack, you never go back! ;-)
by stpeter
Wed Dec 30, 2015 6:24 pm
Forum: Permanent Portfolio Discussion
Topic: Depressed
Replies: 39
Views: 17042

Re: Depressed

Perhaps you need to tighten up your rebalance bands.  Stocks were down 10% a few months back, then popped up near the highs.  Did you harvest any of this volatility?  IMO the 15/35 bands are too wide to capture small swings like we saw in the fall.  Using 20/30 or 22.5/27.5 bands would allow you to...
by stpeter
Wed Dec 30, 2015 2:13 pm
Forum: Gold
Topic: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion
Replies: 192
Views: 97130

Re: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion

Phalanx wrote:
Pointedstick wrote: I sold it all and replaced it with Schwab's commission-free SGOL. Too much drama for my taste.
Yep, just did the exact same.
Same here. I'm sad to see GTU go, it was the best option before Sprott got involved...
by stpeter
Mon Apr 06, 2015 8:13 pm
Forum: Permanent Portfolio Discussion
Topic: Sign Up at IRS.gov, SSA.gov, AnnualCreditReport.com Before Thieves Do It For You
Replies: 9
Views: 7207

Re: Sign Up at IRS.gov, SSA.gov, AnnualCreditReport.com Before Thieves Do It For You

sixdollars wrote: Is there anything else you can really do with ACR besides file forms periodically to monitor for fraud?
Not that I know of. I don't even see a way to register an account there, unless I'm missing something really obvious...