FWIW, even though I am using Dual Momentum, for my wife's IRAs I have her in buy-and-hold 30% equities, 70% bonds (2/3 US Treasures, 1/3 investment grade corporates) at this time. I think the PP equity allocation is prudent now, for a buy-and-hold person. If there is a bear market in the couple of y...

You've lost me here. The easiest and quickest way to avoid that fee is to manage your investments yourself. Why would you need any certification to manage your own investments?  :P Investments are only part of what it takes to retire well. Click on the link, have a look at the syllabus. I think it ...

I propose one mega SWR chart with all of the lazy portfolios on one chart.

With the bars lined up from tallest to shortest, left-to-right. Sort based on the 30 year horizon (they might not sort the same way for all decades). Different colors for each portfolio, too.

But this might be good news... http://www.marketwatch.com/story/wall-streets-forecast-for-2016-worse-than-last-year-2015-12-28 Because I think He might hate Wall Street analysts who think they can predict the future even more than me. 2200 median consensus forecast for end of 2016 for the S&P50...

Over lunch with a wealth manager friend, he said the CRPC certification was "lightweight", but agreed it could be a way to take a nibble at the subject matter. Cost is $1180 for an online course, takes about 10 weeks, and the curriculum looks interesting. And if you earn it, the online col...

Having read Dual Momentum by Antonacci over Christmas, I am seeing a Dual Momentum Gold Butterfly: Global equities dual momentum sector rotation* 40% Bonds dual momentum sector rotation* 40% Gold: buy and hold 10%, ETFs for trading 10% Ladder of Short Term Treasuries, CDs, and Cash (buy and hold, no...

Reub wrote: Looking at these great charts, can someone make a good case for the PP vs. The Golden Butterfly Portfolio?

The GB is a really good one, that's for sure.

Thanks for that! My Hedgeable account has also gone to mostly bonds and cash. Excellent! So does Hedgeable have a nice tax-loss harvesting mechanism in your view? Does it ever hold back from selling if selling would create a tax disaster? Is it "smart" about taxes the way a skilled invest...

I noticed my Schwab US broad market ETF SCHB returned only 0.30% over the past year, that include dividends. That's less than the Schwab US Aggregate bond ETF, SCHZ, which returned 0.93%. So time-series momentum (TMOM) with a 1-year look-back and the 200 day moving average (MA) both suggest to light...

Merriman Ultimate looks good

The leadership rotates. At some point, ex-US stocks will be the hot ones. Not for a while.

You could just take your stock allocations, divvy it up four ways (small, mid, large, and non-US) and rebalance it once a year. That's pretty simple and easy and not much to worry over.

The Dual Momentum book is nice; nothing new from a content point of view, but good to have it in one place, in hardcopy. Takeways: The difference between 10 month moving average and 12 month total return as absolute momentum risk controllers are small. Not worth worrying about. Go with the easier, l...

I placed an order to buy some mining shares. Not many, just to get started, and for fun. NEM, ABX.

Just remember that debt is un-saving. All of the (+) signs flip to (-) signs. The $100k you received to renovate your house without selling your investments would only be "worth something" is you had a 100% guarantee of more than a 3.5% return. Because sure as shootin' there is a 100% chan...

Debt is negative savings. If you pay off a debt with a 3.5% interest rate, that's mathematically equivalent to putting your debt payments into a zero-risk investment vehicle with a 3.5% return. Well, except for the asymmetrical tax treatment if you don't claim the interest payment on your income tax...

That's the problem with our society. People view cash flows due to debt as "getting something. It is not.

Hard to answer the HELOC question out of context. But paying it is 3.5% return risk free. Better than 30 year Treasury.

Paper money can always double as toilet paper!

Shorting cash = take out a mortgage

Of course metal detectors could find it. But would thieves know to do that?

Do you think backyard burial is a viable alternative, if you do a good job of concealing the vessel under a paving stone and making sure the vegetation grows back in properly?

Another good article on this topic: Today’s investors may have drawn the proverbial “short straw.” From an investment perspective, they are confronting what might be considered a “perfect storm” creating strong head winds against higher expected returns. http://www.etf.com/sections/index-investor-c...

I have a Hayman Safe.

http://www.haymansafe.com/pages/cv_gp

Thanks for the advice. I'm in large account technical sales now, so I know what you mean about being smart vs. being an extrovert and a closer.  ;) The choices that lie before me are if oil stays where it is, and my current employer wrecks, I can leverage off of my existing MBA and financial knowled...