Search found 46 matches

by fishdrzig
Sat Apr 25, 2015 7:34 am
Forum: Stocks
Topic: Going all in for VTI??
Replies: 14
Views: 11804

Going all in for VTI??

Alright, I expect to get chewed out here for not going all in 4x25 from the outset but I have all allocated except for VTI.  If you were in my shoes (and hopefully you are not) now, what would be your strategy for entry into VTI going forward??  Thanks for the responses.
by fishdrzig
Sat Apr 18, 2015 7:26 am
Forum: Permanent Portfolio Discussion
Topic: How to answer this question?
Replies: 29
Views: 12756

How to answer this question?

I had a discussion last night with a friend of mine about the HB PP 4x25. He does think this portfolio is a good one but his answers to my inquiries were if you have 15 years left to invest before retirement - why would you not increase the equity % and just convert your entire portfolio over to the...
by fishdrzig
Sat Apr 11, 2015 4:55 am
Forum: Stocks
Topic: VT instead of VTI?
Replies: 12
Views: 10347

Re: VT instead of VTI?

Actually I think I will create my stock  portion as 2/3 VXF and 1/3 VT.  This will give me about 5% international exposure.
by fishdrzig
Wed Apr 08, 2015 10:30 am
Forum: Stocks
Topic: VT instead of VTI?
Replies: 12
Views: 10347

VT instead of VTI?

Any ideas on VT over VTI for the 25% stock portion of the PP?
by fishdrzig
Tue Mar 24, 2015 7:51 pm
Forum: Permanent Portfolio Discussion
Topic: Only PP no VP for this list
Replies: 12
Views: 7026

Re: Only PP no VP for this list

For those of you who keep part of the CASH portion in your HSA, is that portion in a fund also within the HSA.
by fishdrzig
Tue Mar 24, 2015 6:27 pm
Forum: Cash
Topic: Is this appropriate for my CASH holdings?
Replies: 9
Views: 7134

Re: Is this appropriate for my CASH holdings?

1/2 VFISX  1/2 BIL Yes this seems fine. I think 100% BIL and "scraps" of VMMXX would be better. IMO, keep it simple stupid (KISS), put practically all cash in T-bills as instructed, and move on. In one of my accounts I have 100% of my cash in VMMXX, which is not ideal, but IMO is just barely accept...
by fishdrzig
Mon Mar 23, 2015 8:19 pm
Forum: Permanent Portfolio Discussion
Topic: Explain please
Replies: 4
Views: 3077

Re: Explain please

AHHHHHHH  yes,  now I get it.  Thanks
by fishdrzig
Sun Mar 22, 2015 8:47 am
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 68
Views: 41571

Re: Replacing Cash with VWINX, the results look juicy

Hey Ozzy

How did the Juicy Portfolio do against a traditional HPP last year?
Any way you can run/backtest your portfolio against HPP for as far back as you can?
At least for me this would be a helpful comparison.  Thank you
by fishdrzig
Sun Mar 22, 2015 8:44 am
Forum: Permanent Portfolio Discussion
Topic: Explain please
Replies: 4
Views: 3077

Explain please

"So, even though gold doesn’t generate interest or dividends, it can produce capital appreciation (price goes up) and those profits can be harvested and used in a balanced and diversified portfolio to produce real returns." Could someone explain this quote to me like am a second grader please? Thank...
by fishdrzig
Sun Mar 22, 2015 8:12 am
Forum: Cash
Topic: Is this appropriate for my CASH holdings?
Replies: 9
Views: 7134

Is this appropriate for my CASH holdings?

1/2 VFISX  1/2 BIL

I would prefer to be all in Vanguard but the Admiral share Treasury Money Market account(VUSXX)count (is closed to new investors and right now I have all my CASH in VMMXX.  I would like to get a little yield anyway.  Any advice here?  Thanks
by fishdrzig
Sun Mar 22, 2015 6:23 am
Forum: Permanent Portfolio Discussion
Topic: Only PP no VP for this list
Replies: 12
Views: 7026

Only PP no VP for this list

I though it would be interesting for only those doing the true PP to post what exactly they hold  and how they are holding it.  For example the breakdown in % of each of the 4 parts in detail.  Thanks for posting.
by fishdrzig
Sat Mar 14, 2015 7:14 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 68
Views: 41571

Re: Replacing Cash with VWINX, the results look juicy

Hello Ozzy

Wow, surprised to hear you are giving up the VWINX fund.  Here is what I have decided to go with for my portfolio:

VWENX
IAU
EDV
VIOO
IVOO
VSS                                    The percentages come out to be about 50% stocks, 35% bonds, 15% gold
by fishdrzig
Sat Mar 14, 2015 5:47 am
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 68
Views: 41571

Re: Replacing Cash with VWINX, the results look juicy

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.
by fishdrzig
Sat Jul 26, 2014 3:52 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 68
Views: 41571

Re: Replacing Cash with VWINX, the results look juicy

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
by fishdrzig
Fri Jul 25, 2014 6:31 pm
Forum: Gold
Topic: Buying GTU now?
Replies: 36
Views: 18070

Re: Buying GTU now?

I own some GTU  in a tax advantaged account --do I still need to file special forms??
by fishdrzig
Sun Jul 20, 2014 8:11 am
Forum: Gold
Topic: Buying GTU now?
Replies: 36
Views: 18070

Buying GTU now?

Discount premium now is -2.28 according to Morningstar - - does this indicate a good time to buy?
by fishdrzig
Thu May 22, 2014 10:18 am
Forum: Variable Portfolio Discussion
Topic: Modified Rick Ferri portfolio vs Permanent portfolio
Replies: 2
Views: 2983

Modified Rick Ferri portfolio vs Permanent portfolio

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
by fishdrzig
Sat May 17, 2014 6:48 am
Forum: Variable Portfolio Discussion
Topic: David Swenson portfolio vs Permanent portfolio
Replies: 4
Views: 3131

Re: David Swenson portfolio vs Permanent portfolio

- 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...
by fishdrzig
Tue Apr 15, 2014 3:34 pm
Forum: Variable Portfolio Discussion
Topic: David Swenson portfolio vs Permanent portfolio
Replies: 4
Views: 3131

David Swenson portfolio vs Permanent portfolio

- 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...
by fishdrzig
Sun Mar 23, 2014 1:48 pm
Forum: Permanent Portfolio Discussion
Topic: What does Draw down mean exactly?
Replies: 5
Views: 3446

Re: What does Draw down mean exactly?

Got it, thank you
by fishdrzig
Sun Mar 23, 2014 12:54 pm
Forum: Permanent Portfolio Discussion
Topic: What does Draw down mean exactly?
Replies: 5
Views: 3446

What does Draw down mean exactly?

Could someone explain this concept to me please?
FISH
by fishdrzig
Sun Mar 23, 2014 12:42 pm
Forum: Permanent Portfolio Discussion
Topic: Replacing Cash with VWINX, the results look juicy
Replies: 68
Views: 41571

Re: Replacing Cash with VWINX, the results look juicy

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
by fishdrzig
Sun Mar 16, 2014 5:25 am
Forum: Bonds
Topic: Redemption fee of Vanguard LT treasuries?
Replies: 6
Views: 4774

Re: Redemption fee of Vanguard LT treasuries?

It is not a commission charge, it is a redemption fee that I was asking the question about.
by fishdrzig
Mon Mar 03, 2014 11:10 am
Forum: Permanent Portfolio Discussion
Topic: Question on rebalancing
Replies: 1
Views: 1760

Re: Question on rebalancing

Got it, thanks
by fishdrzig
Mon Mar 03, 2014 10:06 am
Forum: Permanent Portfolio Discussion
Topic: Question on rebalancing
Replies: 1
Views: 1760

Question on rebalancing

Lets say I have the PP 25% IAU/SGOL/GTU, 25%VT, 25% TLT, 25% BIL Let us assume gold reaches 35% band to trigger a rebalance event, I then would sell some of the gold ETF's and purchase whatever is lagging.  But now I only would have less than 25% in gold in the PP----ahh nevermind I think I just ans...