Happy Christmas!

Off to my sister-in-law. Last time I had a pretty interesting conversation on investments there, with one of her friends. Probably no such luck this time Oh well.

Here's an interesting discussion about these lower yields. It's also why I avoid these longest maturities. But calculate it for .75%, .5% and .25% yields and it still holds up because the duration is also increasing to make up for the "missing" yields, i.e. it just becomes more like a zero...

For bonds, I've got the iShares E GOV7-10, IE00B1FZS806. As you'd guess from the name, maturity is 7 to 10 years. This is the longest maturity I'm willing to buy. I may get rid of the whole thing, and get some sort of global bond ETF. I also no longer hold EU stocks, I went global. For cash, I went ...

I think Hal's conclusion is correct; you'd just have the bond interest + stock dividends. However with the Euro as it is, I think gold serves a nice backup in case something else than inflation happens.

eBook version not working for you?

I've got an EU/Global PP, and indeed I feel that gold in the EU PP will behave differently. It's not clear what the alternatives would be, though.

It's an investment besides saving, for now. Although I consider making it my primary savings. It's meant for being able to retire a couple of years earlier than usual.

Yeah, those are very decent returns. With a European PP, these are not feasible. So I'd say very nice indeed.

That vault O_o

I have a EU PP (coming from The Netherlands) but I'm not happy about the stocks part, atrocious returns last year when compared to the US. I'm thinking about getting a global stocks ETF, instead of European.

Sure, it doesn't matter where exactly you keep each component of the PP. In fact, spreading over institutions is a great idea.

What you could do, is keep an original PP. Then as part of your variable portfolio, add a few things which you think add some value. My EU PP barely protected against inflation last year. However I did have some gains because I've got a small variable portfolio with peer-to-peer lending and a tiny b...

It was a stunning podcast. What I found really interesting, is that they had a really unfortunate situation where they bought a farm, which was subsequently to be rented out to a farm company managed by two men. Then within a year, both (!) of them died and the company was about to go under. So Davi...

ochotona wrote: ↑Thu May 17, 2018 2:31 pm I may annuitize just enough to meet basic expenses, and I would split it up between several issuers.

Aside from the wisdom of buying annuities, that's actually quite clever, great suggestion.

Congrats! In certain Reddit subs related to this topic, it's customary to wish you a hearthy GFY https://www.urbandictionary.com/define.php?term=gfy . I remember studying asset allocations on Tyler's site, and thinking, "Who is this Desert guy and why has he earned the right to appear here?&quo...

Be sure to configure the SOCKS proxy for your torrent client. If you don't, and the VPN unexpectedly drops connection, the torrent client will continue and your IP will be visible once more. If however your VPN provider offers a SOCKS proxy, it offers an extra level of protection. Privateinternetacc...

Perhaps I don't understand something, but given your current allocation, shouldn't you simply buy stocks and forget about what the pundits say?

Nobody can predict the future. That's why the PP was invented. Just stick to the strategy, it was designed so you don't have to make these decisions.

Thanks for posting that. Interesting read. The graph they post, covers February and March though. Is that then enough to draw a conclusion, I wonder...

What's funny is posting such a historic scenario on https://www.reddit.com/r/financialindependence/ or https://www.reddit.com/r/investing/. Your comment will get downvoted although you simply posted a fact.

This is extremely interesting to me... "hedged to local currency" here means that the forex risk is hedged? I.e. you don't run currency risk when you hold this ETF in euros? I suspect this is a costly affair? This may be a solution to the exasperating problem that we Europeans have, with t...

Yeah, this has basically everybody worried. When I started my portfolio last year, I also had severe doubts: https://www.gyroscopicinvesting.com/forum/viewtopic.php?t=9082 For everybody outside the USA, it's even worse than sketched. I'm from the EU and after a lot of hemming and hawing, I started w...

Awesome, man. I've used KDE on and off for almost 15 years on the desktop. Now I'm on macOS due to iOS development, but still have a soft spot for the Linux desktop.

you have 50K in CD and 7k in 3 ETFs? 25K absolutely cash (in a savings account) 25K in a CD 10K in 3 ETFs why do you maintain such a large cash position? Main emotional reason, I'm a bit of a nervous guy ;D I've always worked for the man, very stable job and all that. I started contracting a couple...

Some time ago, a forum member asked me how my European PP was doing. Since I owe so much to this forum, here's a little update. First of all, I'm in the experimental phase because until recently, I was still saving. I'm a contractor and this means no social security in The Netherlands. Since I have ...

Please note that I'm relatively new to investing. and cash rarely delivers a "real, inflation adjusted" return of any significance, Looking at this article: https://portfoliocharts.com/2017/05/12/understanding-cash-will-make-you-a-better-and-happier-investor/ I believe the author (username...