there are many portfolios that are BH (no one allocation as per PP.) Way I see BH: 25% - 100% Stocks (50 - 70% for majority?)       0% to 55% Intl (20% - 40% avg?)       0 - 100% tilted (Small, Value, REIT, emerging mkt,...)       Fixed allocation vs glide path Bonds       Mostly total market       ...

Hmmm Who would have thought it? Germany conquers Greece twice in less than a hundred years. Italy started it (first time, anyways....) My father was born in Greece [although he was of Spanish decent] and served during WWII. He claimed if it was left up to the Italians to conquer Greece, we would st...

I've never really been in nor out of the PP. After 2008 I've thought long and hard about starting a PP but in the end I borrowed some key elements of the PP and added that to my standard Boglehead 50/50 portfolio. .... Still I consider my portfolio a Permanent Portfolio. I'm 45% global stocks, 10% ...

Little side excursion here. I have a bunch of EE and I Bonds and can never figure out how to really categorize them when figuring out what my overall asset allocation really is. They provide some deflation protection but are clearly not long bonds. They are not really cash either because there are ...

Ad Orientem wrote: Hmmm Who would have thought it? Germany conquers Greece twice in less than a hundred years.

Italy started it (first time, anyways....)

Cash for taxable - I think "official" is to use T-Bills, but Many (most?) keep at least part in savings accounts (online & local), CDs, - rates are better, almost as safe - just keep the account at a given bank under $250,000 to be insured (Would love to have that problem.... :) Also I...

Re cash has holdings...

6+ months emergency fund while accumulating

6-7 years in cash/short term reserves for retirement bucketization is where I've seen that level mentioned.

I like having both, but do have more in traditional vehicles than Roth. While I expect I have a lower effective tax rate now, deduction now from traditional allows us to save more...

New money's goes into traditional 401(k) & Roth IRAs.

Started with gold in Aug 2012, multiple purchases over the 'years' / DCA'd in. Gold down ~15%.... Overall portfolio still up (although I'm heavy in stock / light in cash.)

So overall doing as advertised.

One other question:  Anyone see a problem with using the Paul Merriman "Ultimate Buy and Hold" index funds (http://paulmerriman.com/vanguard/) for the 25% stock portion or is it more "faithful" to PP to use VTI or its equivalent? For simplicity's sake, I would suggest sticking w...

The tax wash harvesting rules apply between spouses, to any corporations you control, and you can't sell at a loss in a taxable account and buy within 30 days before or after the sale in a retirement account. IRS Publication 550. Change from S&P 500 to Total Stock market (or other way) for the ...

buddtholomew wrote: ....It's 50/40/10 .....

My retirement funds are similar in my two main accounts (IRA/401k) -- 50/37.5/12.5 overall allocation. Bonds are range of LTT, Total Bond (401k), STB, a little TIPS (401k).  With international / tilts on the stock side.

I don't hold 25% Gold, but do call it more PP-influenced.

Add in a rate increase and the fools may just send us into another Depression. The Senate early Friday passed a Republican budget plan that would cut spending by $5.1 trillion over 10 years, raise military funding and repeal Obamacare. The non-binding budget, debated all week and passed 52-46 durin...

Wasn't there also a study showing more social mobility in Europe than the US?

Evidence based policy?

Seems to make intuitive sense -- cost of failure lower / easier to start over. Get it right the third time....

MG, Great work, the only qualm I have with implementing something like this is that adding 2 to 3 more funds feels like a big hit to re-balancing simplicity.  If you find any way to implement this with less (i.e. two funds), please let me know :) I'm mostly invested in VTSAX for my stock portion of...

I don't know anything about Medicaid cards, but not accepted. Acceptable list in Texas: " Texas driver license issued by the Texas Department of Public Safety (DPS) Texas Election Identification Certificate issued by DPS Texas personal identification card issued by DPS Texas concealed handgun l...

Pointedstick wrote: It's simply an attempt to counter the Republicans' attempt to pervert democracy by limiting voting to people marginally intelligent enough to receive a free government ID card.

Or have the time for a 3+ hr round trip to get an ID that can only be used for voting....

I don't like these days - I think bubble, bubble, bubble (boil & trouble.)

Aka, if all go up toveruse, all go down together.. But it is what it is, and I don't do anything differently, but I don't have to like it.

I'm glad he took the time to post, and he did say it was a one time post.

Always interesting and thought provoking.

I still don't hold any CCF, though... but also have less than 25% gold - I'm a rebel....

ozzy wrote: PS,

For free backtesting of various ETFs and/or mutual funds combination these 2 tools are the best: 

http://ezbacktest.blogspot.com

https://www.portfoliovisualizer.com/backtest-portfolio

Thanks!

Definitely interesting, although that allocation is 40/60 stock / bond (slice & dice; lots corp bond.)

https://www.ishares.com/us/products/239 ... cation-etf

Having Gold and LTT get such wide exposure as part of a diversified portfolio should be a positive. The AWP doesn't look that different from conservative portfolios like 30/70 VG Target Retirement Income - take 15% from Bonds into inflation/uncertainty/crisis hedges, extend bond duration to make up ...

"Be excellent to each other....and....PARTY ON, DUDES!"

My gold is under water less than 10%!!!   Started in Mid-2012, increased allocation from 15% to 25% early this year (for the part of retirement funds PP-ish.)