I have some spending needs coming in 2026-2027, so I have been selling the I-Bonds with interest rates less than 4% and buying Treasuries maturing in 2026-2027 and locking in a bit more than 4%. Are those Treasuries tax-sheltered or not? No, they are exposed to taxes. It's a bit complicated. My per...

Long term... I bought gold 2015-2018 at a good price, but I'm giving it until 2030, if no serious step above the past ATHs by then I'm out. Fifteen years is long enough. It will be time for digitization, simplification and streamlining for my heirs and future caregivers to take precedence. It doesn'...

I have some spending needs coming in 2026-2027, so I have been selling the I-Bonds with interest rates less than 4% and buying Treasuries maturing in 2026-2027 and locking in a bit more than 4%.

In nominal dollar terms the price of gold stepped up during the 1970's, 1980/1990 were a plateau, 2000's were a step (dot com bubble, financial crisis), 2010's were a plateau, excepting a relatively small 2020 step (Covid) as part of that. A nice feature with that is if you blend stocks with gold t...

So when does gold catch a bid? Dow is down -321 right now, 10 year interest rates are down, US Dollar is down, why is gold also down?

On the chance Jeremy Grantham will be right sometime, maybe Emerging Markets Value? Like ETF AVES? Or just EM... VWO. That's mainstream risky, or old person risky, or something.

I hate to give up the tax deferred features, the no RMD, paying imputed income on TIPs. I guess it's really a bet on inflation and an individual's tax payment experience in the future... Well, not an urgent question. Maybe I just put an upper limit on what % of the portfolio to ibonds and maintain i...

What's the way to think about using I-Bonds if the yield dips significantly below T-Bills?

Chinese-Americans have known for decades that our numbers were being suppressed at many universities because, "oops, too many Chinese". It's just exactly what happened to Jews in the early 20th century when the Ivies thought there were "too many Jews" and severly limited Jewish e...

Just yesterday I was comparing iShares US Minimum Volatility Factor ETF to SPY, and they track well until all of the COVID money printing, at which point SPY stands on its tail. It just seems to me that S&P500 is just a stupid bet on something, and someday SPY is going to catch-down to USMV, and...

I won't use TIPS because my tax-advantaged space is all used up by tactical asset allocation and the phantom income thing is nonsense. I might use them if losses weren't capped to $3000 in a tax year, but because they are gated, no.

Darden just bought them for $715 million. I like Ruth's Chris, but I'm not understanding this one.

I use the Flexible Retirement Planner. It's great. The default inflation rate is 3%. The current 5, 10, 20, and 30 year TIPS breakeven inflation rates are all below 3%. However... I just have a feeling I might just get screwed in the end by inflation. I'm tempted to bump it up to 3.5% as a hedge. An...

Yes, B&H you got right. IEF is the 7-10 year US Treasury ETF. Some HBPP users like to use IEF instead of Cash + TLT... the one ETF "bullet". The point I'm making in this post is this Predicting US Treasury Returns is a bullet that doesn't misbehave in a rising interest rate environment...

https://allocatesmartly.com/predicting-us-treasury-returns/ This seems to solve the "what if long bond interest rates keep going up from here?" It trades once a month between IEF and T-Bills. Sometimes it's very cashy, sometimes it's very bondy. It's down like -2% from Aug 2020... B&H ...

Is the idea behind the Permanent Portfolio and Golden Butterfly only needing domestic US stocks (for US investors) that the gold provides sufficient hedging against foreign exchange movements? US companies investment overseas, overseas companies invest in the US. You'd think it would all be the same...

From Reddit - not my experience, fortunately. "Solo FidFolios places market orders {Ochotona - not limit orders which can be bad at times}. Also, when you rebalance they sell whatever needs sold first and they wait two business days for the cash to resettle before purchasing anything. I also fo...

Damn...all in on foreign equities. Hope it works out! (ps, any reason you went small cap foreign instead of foreign SCV ?) This portfolio is just a really little part of my holdings at present. I'm going to watch it for 2-3 years then decide if I should grow it. EM Value and Small Cap Ex-US are the...

I'd get on the KLM bird one last time and fly first class to the Netherlands and get it done there. To heck with Murican laws.

For your entertainment, I present - The GMO Butterfly 1/5 to each of these ETFs Foreign Small Cap SCHC EM Value AVES Long Term Treasuries SCHQ Gold SGOL, or hold physical Cash SGOV, or hold I-Bonds, T-Bills, bank deposits I've started to DCA into this. For those of you who don't know GMO, here is a ...

Why are long bonds getting hit today? It makes no sense, if there are recession fears, long yields should soften.

I think if I-Bonds rates keep going down, I'll stop buying them. I have 5% of my portfolio in them, it's getting be be enough I think. I don't mind receiving my tax refund as I-Bonds.

The article is NOT from a commercial webpage from advisors. The magazine is aimed at articles to Financial Advisors for them to better assist their clients. You proved my point, Vinny. Financial Advisors are in business, and articles for them "to better assist their clients" are by defini...

Go to allocatesmartly and send them an email... I don't have the answers to those questions.

Vinny, Your article is from a commercial webpage from advisors - the people who would benefit from the sale of annuities. That's not a resource written for the betterment of consumers. Hasn't it been shown that indexed annuities are a rip-off... they give you some of the index upside, keep all of th...