Search found 2336 matches

by AdamA
Fri Jan 28, 2011 11:49 am
Forum: Cash
Topic: TIPS held to maturity as "bottom" of cash component?
Replies: 69
Views: 50543

Re: TIPS held to maturity as "bottom" of cash component?

[/quote] 1. Total deferral of taxes on interest until redemption (up to 30 years) 2. Zero interest rate risk 3. Zero prinicipal risk 4. Full faith and credit of U.S. government 5. Complete liquidity (redeem at the bank on the corner any time you want) What's not to like? [/quote] Forgive the naive q...
by AdamA
Fri Jan 28, 2011 10:29 am
Forum: Cash
Topic: TIPS held to maturity as "bottom" of cash component?
Replies: 69
Views: 50543

Re: TIPS held to maturity as "bottom" of cash component?

Medium Tex--

Can you expand a bit as to why you like I-bonds?

Thanks,
Adam
by AdamA
Fri Jan 28, 2011 10:28 am
Forum: Cash
Topic: TIPS held to maturity as "bottom" of cash component?
Replies: 69
Views: 50543

Re: TIPS held to maturity as "bottom" of cash component?

It's an interesting proposal... Curious to hear what some of the more experienced guys on the site think.   The one think I would I comment on tangentially is that I would not count on the FDIC insured savings account if there's a huge deflation.  I'd want the money in treasuries, and maybe a little...
by AdamA
Fri Jan 28, 2011 9:30 am
Forum: Other Discussions
Topic: Your favorite podcasts?
Replies: 8
Views: 4822

Re: Your favorite podcasts?

I like "Turning Hard Times Into Good Times." It's basically a gold bug show, and I don't really take any of the predictions made seriously.  However, it will give you good ideas about ways to own gold, and also just offers some very unique perspectives.  The host is a deflationist, and I like that b...
by AdamA
Fri Jan 28, 2011 9:23 am
Forum: Stocks
Topic: MDY vs VTI?
Replies: 21
Views: 13630

Re: MDY vs VTI?

There's no downside that you're missing...but there's also no downside that everyone else is missing.  It's basically impossible to predict which slice n' dice portion of the market will outperform, but it usually isn't the one that's outperformed recently.  Expense ratio for MDY is .25...VTI's is ....
by AdamA
Thu Jan 27, 2011 8:14 pm
Forum: Bonds
Topic: USA credit rating at risk....impact on LT bond allocation
Replies: 7
Views: 5876

Re: USA credit rating at risk....impact on LT bond allocation

The threat of the US attempting to inflate away its debt is so well known that it's already priced into the bond market, no matter what the credit rating is (in my opinion).  The fact that the mainstream media is reporting it is probably all the more reason things will work out differently.   I woul...
by AdamA
Thu Jan 27, 2011 3:43 pm
Forum: Permanent Portfolio Funds
Topic: Swiss Franc
Replies: 1
Views: 2749

Swiss Franc

Is the Swiss Franc considered part of the gold allocation or part of the cash allocation in this portfolio, or is just considered an asset class of its own?

Adam
by AdamA
Thu Jan 27, 2011 3:23 pm
Forum: Permanent Portfolio Discussion
Topic: Where/How to Start
Replies: 36
Views: 17813

Re: Where/How to Start

"Is it worth having two asset classes in a tax advantaged account if it means having to put more assets with lower tax efficiency in a non-tax advantaged account?" That all depends on your other accounts.  My IRA has long term bonds and gold.  I didn't really want to put gold in a tax sheltered acco...
by AdamA
Thu Jan 27, 2011 9:34 am
Forum: Stocks
Topic: Total Stock vs. Small Cap Value/Emerging Split
Replies: 35
Views: 21140

Re: Total Stock vs. Small Cap Value/Emerging Split

Ditto, Moda. I'd add: This issue of the total US market vs the S&P vs EM vs Pacific Rim vs Value vs Growth, etc is something everyone struggles with a bit when they first start thinking about the PP.  This is b/c mainstream portfolio theory really focuses on this type of diversification, so no one w...
by AdamA
Thu Jan 27, 2011 9:13 am
Forum: Permanent Portfolio Discussion
Topic: Where/How to Start
Replies: 36
Views: 17813

Re: Where/How to Start

I don't think this potential difficulty is limited to gold. I think what Bdahl was trying to say was that if you have an IRA with only one asset class, and that asset class has a bad year, the value of the IRA will obviously take a hit as a well.  Since you can only squeeze $5000 a year into IRA (le...
by AdamA
Wed Jan 26, 2011 7:12 pm
Forum: Permanent Portfolio Discussion
Topic: Where/How to Start
Replies: 36
Views: 17813

Re: Where/How to Start

I have a lot of my money in tax-deferred accounts and had/have some of the same issues. 1.  Get as close to 25% allocations as you can, but it doesn't have to be perfect.  I think it's worth it to take full advantage of the tax accounts (just my opinion).  With the amount of money you have, even if ...
by AdamA
Wed Jan 26, 2011 5:56 pm
Forum: Permanent Portfolio Discussion
Topic: Thrift Savings Plan
Replies: 24
Views: 11647

Re: Thrift Savings Plan

Do you know anything about the short term treasury fund? It invests in an unusual short term treasury that  isn't available to the general public.  I use it for the cash portion of my fund.  I guess that's it...unless there's something else about it you think and investor should know. I will likely ...
by AdamA
Wed Jan 26, 2011 2:46 pm
Forum: Cash
Topic: goldmoney - cash holding - any thoughts?
Replies: 2
Views: 3943

Re: goldmoney - cash holding - any thoughts?

I think it's a bad idea.  When your money is in their bank, it is subject to credit risk.  If you have your money with Gold Money, keep it in gold.  If you have it in cash, US Treasuries are really the only way to go.

Adam
by AdamA
Wed Jan 26, 2011 2:42 pm
Forum: Permanent Portfolio Discussion
Topic: Thrift Savings Plan
Replies: 24
Views: 11647

Thrift Savings Plan

Is anyone familiar with Thrift Savings Plan for federal employees?

I use it for a portion of my portfolio.  From what I've read it's pretty safe and also low expense.  Just curious if anyone on this site knows anything about it...

Thanks,
Adam
by AdamA
Wed Jan 26, 2011 10:44 am
Forum: Permanent Portfolio Discussion
Topic: Where/How to Start
Replies: 36
Views: 17813

Re: Where/How to Start

SuperNoob-- I'm fairly new to this as well, but have a couple of thoughts. 1.  I don't really like the Wells Fargo cash fund that you have.  You want short-term treasuries, not debt from insurance companies.  You are introducing unnecessary credit risk with this fund. My advice would be to dump this...
by AdamA
Tue Jan 25, 2011 7:52 pm
Forum: Permanent Portfolio Discussion
Topic: Rebalancing Deficit
Replies: 5
Views: 3783

Re: Rebalancing Deficit

The thing is...I do make pretty heavy contributions (relative to the size of the portfolio)...but I guess you're right...best just to deal with this stuff as best as possible as it comes it up.

Thanks for the info.

Adam
by AdamA
Mon Jan 24, 2011 11:14 pm
Forum: Gold
Topic: What's up with GTU?
Replies: 9
Views: 5863

Re: What's up with GTU?

Any guess as to how the CAGR would differ using GTU versus GLD?  How about in a tax-deferred account versus a taxable account?

Thanks (Again),
Adam
by AdamA
Mon Jan 24, 2011 10:45 pm
Forum: Gold
Topic: What's up with GTU?
Replies: 9
Views: 5863

Re: What's up with GTU?

I've read a few posts on this, but still don't quite understand...

Can someone explain (in very elementary terms) how GTU's premium to NAV will effect the performance of the fund, and how it effects my portfolio when I rebalance? 

Thanks,
Adam
by AdamA
Mon Jan 24, 2011 10:16 pm
Forum: Permanent Portfolio Discussion
Topic: Rebalancing Deficit
Replies: 5
Views: 3783

Rebalancing Deficit

All-- I have a roth IRA and a 401K.  The 401k has a great low cost S&P index fund, and even a good short term treasury fund, and the roth is good for gold and long bonds.  Problem is, when one fund outperforms there's no way I can see to move money to the other.  The only thing I can think of is to ...
by AdamA
Mon Jan 24, 2011 12:23 am
Forum: Stocks
Topic: Total Stock vs. Small Cap Value/Emerging Split
Replies: 35
Views: 21140

Re: Total Stock vs. Small Cap Value/Emerging Split

Does anyone think it may be worth it to replace an S&P or total market index with either a growth or value index?  I know HB's original rec was for a growth fund...right?