Frugal, The decision to buy a house should not be based on your long-term investments. It's a consumer/quality of life decision first and foremost. Then figure out how much you need to save for a the standard 20% down payment, and what your anticipated fixed costs will be - counting everything incl...

hi

how much you pay of % interest of the loan to the bank?

EUPP interest should be higher.

Are you comfortable with loans?

Can't you buy a less maintenance and cheaper house?

Saludos

dualstow wrote:As of the end of November, I'm

45% stocks
45% cash & bonds
10% gold

This is vp + pp.
I haven't untangled the cash from the bonds yet, as I'd have to go through a lot of stuff like 5-year notes.

Hmm, that's less stock than I thought. 5% less.

hi

only 10% gold?

Why?

Regards

1. I have never met anyone who later regretted paying off their mortgage. Before you do that, though, you should check the implications for future taxes. Also, be prepared for having a change in perspective on all sorts of things once you are finally debt free. 2. I think that buying rental real es...

Refer them to Tyler's portfolio charts website and let them check it out for themselves. Then answer questions if they have any. I agree with farjean. A person's retirement savings is about as sacrosanct as it gets and it has to be their decision. I would never try to convince anyone to use the HB-...

It’s cash and equivalents until cash hits the upper rebalancing band. That's the right way to play it. New money 100% to cash until it spills over the 35% level. Then let nature make the decision. hi history says that it should enter in PP as soon as possible. So, we don't have to wait for rebalanc...

Dear friends,

I am not good convincing others.

Anyone of you, have already convinced a friend or parent to use HB-PP?

How shall I do it with saying, you have to read the book...

... the book is not in our language.

Thank you for your tips!

that is another question my friend that I will post now



thank you !

dualstow wrote:From inflation, yeah. But again, I don’t know anything about your country’s bonds, etc.

Hi!

ALL WEATHER portfolio has more Comodities.

Can be a way to diversify.

It is not for me.

hi nice hair! O0 I miss your smiling HB avatar, my friend. Can it be: 60% CD 10% PP 30% certificates of government Is this safe? I’m afraid I know nothing about Portugal except Carmen Miranda, large sardines, and a cool leather bag that my dad brought me. Even so, 10% pp seems quite small, especial...

If the windfall were US$250,000, I’d probably do something like ocho. I don’t have a windfall every two weeks, but I also find it hard to buy new stock right now. It’s cash and equivalents until cash hits the upper rebalancing band. If the windfall were, say, $2 million, then pp. The whole pizza. I...

ochotona wrote:Yes, I am a market "timer". There was a huge difference in how much real estate you could buy in 2010 vs 2007. People knew it was overvalued. They were just willing to ignore facts.

hi

market timer with PP?

What is your portfolio?

To be honest, my mentality is similar, we live on about 50% of our income, so every two weeks I get a windfall. All of my new money is going to cash (Ally Bank, I-bonds), high quality Government and Corporate bonds less than 5 years duration, and gold on the dips. I am buying zero additional stocks...

Hi friends,

What would you do after a big windfall ?

- Buy land
- buy real estate
- invest on ...

or would you put all it on the PP ?

Regards.

4,3% and what about inflation? It does not beat official inflation by much, and perhaps does not beat real inflation at all. But multiple-year periods of underperformance are not unusual. Do you think to change to a more aggressive lazy portfolio? Such as...? If you have a concrete suggestion and s...

These are results from my real 4x25 portfolio of Euro shares with Euro and EM share ETFs, bond ETFs, gold ETFs and cash. Not very different from the US Vanilla PP figures of -2.24, +10.10, -2.99 and +5.9% for the same four years. 2013 -3.04% 2014 +12.39% 2015 +1.42% 2016 +7.08 Average 4.30% 2017 +2...

Hi,

some years ago we could find in some countries in Eurozone, 3-4-5% for cash deposit in some banks.

This ended forever?

The high rate for cash will never come again?

Regards.

Hi,

long term Bonds have small maturity. No?

Try DBXG

Regards

Hi

what is the difference between EU-PP and VANILLA PP ?


Regards!

I have results starting in 2002. based on 25 % distribution every year with the following EFT: iShares Barclays Euro Government Bond 1-3 (IBGS) iShares € Government Bond 15-30 ETFS Physical Gold (PHAU) iShares MSCI World UCITS ETF DIST PP index PP index 2002 -2,4% -2,4% 2003 5,6% 3,2% 2004 6,4% 9,6...

I believe an average German has lots of capital in the various current and future social benefits and comparatively quite low savings rate. What I would do in your case is to first calculate how much I have in savings compared to the value of the social security benefits. Then I would decide how ri...

Hello all! :) A friend introduced me to the Permanent Portfolio and this forum. Let's cut right to the chase: I was thinking of constructing a Eurozone/U.S. PP due to two reasons: - A good part of the theory behind the PP seems to be the relationship between Gold and USD. - European currency union ...

I sent you a PM

Hi,

any new friends on EU-PP?

Say hello :-)

Regards

It is always going to be a "bad time" to get into at least one of the PP assets, by default. That's how the system is designed: the PP accepts the damage done by the losing assets, but offsets those losses with the (usually) superior gains of the winning assets. The differential between t...