Interesting stories. I love Alvin Lee. More Alvin Lee / Ten Years After memories. When I saw both them and The J. Geils Band for the first time ever at that show it was in a small gym at Assumption College in Worcester. At that point I don't think I've ever heard a Ten Years After record and J.Geil...

I liked joe Walsh better with the James gang I am not really an eagles fan but they do sell a lot of albums I think the most in history. Got six minutes to the train comes. I have to get ready to embarrass my wife I always jump up and down when it gets here. It is about 25 minutes to Manhattan When...

It's called negatively and weakly correlated assets. The risk mitigation is organically built in not externally derived. I continue to be dumbfounded at the focus on the PPs individual pieces. The only thing that makes sense to me is a "factor" tilt of some kind. For someone younger I can...

Tyler wrote: ↑Mon Apr 11, 2016 10:23 pm

sophie wrote: A question Tyler:  what would you use for rebalance bands?

30/10 is a nice round number.  It's more instinct than science, but it seems reasonable. 

Almost four years later......has your instinct remained the same regarding this?

Vinny

This is not good. Not at all. I-Bonds are cool, but I can do without them at the end of the day. I have too many accounts, would be helpful to get rid of one. Here I am, with Schwab and Fidelity accounts that use reasonably modern continuously rotating six-digit additional security codes , and 2FA,...

It's not all about the expense ratio. I think there's some behind the scenes activity that affects fund performance that isn't necessarily reflected in the ER. For example, FSKAX has consistently lagged VTSAX and also its benchmark index by more than the difference in ER. Also news flash: Fidelity ...

Relatively new to the Forum but I'm gathering that the Tyler below and the Tyler here: https://portfoliocharts.com/about/....are one and the same? Yep. Same guy. ;D Yes. Does portfoliocharts do the 15/35 rebalancing bands? Right now it just does simple annual rebalancing. But one of these days I'll...

PeaktoTrough.com still works fine for me. But if you're looking for other sources, Portfolio Charts has Permanent Portfolio data going back to 1970. Still works fine for you? As others subsequently posted it seems to have turned into a defunct site. And, today I cannot get anywhere with it. Vinny

Another difference in assumptions may be that I assume all companies will eventually wind down and stop operating. And in the housing example, I assumed the house fell over after 50 years. If you follow my example down to the end, then the company winds down and distributes everything that's left a...

Another difference in assumptions may be that I assume all companies will eventually wind down and stop operating. And in the housing example, I assumed the house fell over after 50 years. If you follow my example down to the end, then the company winds down and distributes everything that's left a...

Yeah I think I'm going to work on building a monthly ladder of 1 year bills, but start off with 12k (4k per week) in 4 week bills on auto-roll while I'm building the 1 year bill ladder out. It will be a few years I'm sure before I have accumulated enough in 1 year bills laddered out every month. On...

May I just say that I really appreciate Vinny asking for clarification on a point, as opposed to Mathjak just saying it's silly and then going off on yet another non-sequitur. Vinny, I tried to illustrate this point in an earlier post. https://www.gyroscopicinvesting.com/forum/viewtopic.php?f=2&...

Tax simplification: yet another reason to buy I bonds! With I bonds, you get 30 years of tax deferral outside the increasing complications of an IRA. And that means no RMDs after age 70 ½. Besides that, in a rising interest rate environment a ladder of I bonds is the best guaranteed protection agai...

InsuranceGuy, I'm not sure what you're saying on how swapping around cash and shares for the same shares is not a zero-sum game. Are you considering realized gains, or just theoretical gains? I'm not saying anything about gains, only that earnings for investors are created regardless of distributio...

Some really excellent points, Xan. I couldn't have said it better myself. While we are on the topic of Buffett and dividends, it may be worth mentioning that in his 1992 shareholder letter, he advocated a particular method of stock valuation created by John Burr Williams in his book The Theory of I...

Markets trade on fear greed and perception of future GROWTH in the real world not formulas ....the markets and growth stocks speak for themselves as they create wealth for their shareholders dividends or not..in the real world a forced withdrawal by the company of my own invested dollars which is w...

Honestly, both of these systems create so many problems in the name of preventing you from filling out forms directly. They've essentially tried to build a language layer on top of the tax forms, so instead of learning to understand the forms you have to learn the Turbotax (or HRB) language. prime ...

You're only up because someone else is down. The investors as a whole have made zero from owning the stock. Intuitively I think that I'm with Mathjak on this one. Let me see if I can successfully spell it out. There is one public company. You are its sole owner. When it was started it had $1,000 in...

Tremendous amount of confirmation/selection bias there. Regardless, the only point of being in business is to pay the owners a dividend. Everything else is smoke & mirrors. The "only"? Professional sports teams are businesses and I have a sense for many of them that the increase in th...

I ran through my initial 2019 tax return using H&R. I like it's simplicity and GUI over TurboTax. However, I was quite surprised at the lack of internal/software tax guidance and background for various issues as compared to TT. It seems to me they would really like you to have to go see an H&am...

- Also someone posted recently that there is a concern for the treasurydirect website security vulnerabilities. Are there anything specific concerns or i s it just that the site looks like it was created in in 1985. This is the 3rd or 4th time I've read this post. But each tme I do the above line c...

I like buying LLTs directly, but I also own the ETF “TLT” (ER = 0.15%) in a smaller tax deferred account. FNBX (ER = 0.03%) looks dirt cheap in comparison to TLT, now that Fidelity slashed the ER in line with their current advertising program. That said, there is nothing that I know of that prevent...

You may want to investigate your 401k plan provider to see if they offer a brokerage window. If so, it would give you more options that would bring you closer to a pure STT/LTT barbell. For those whose access to retirement plans is through your employer, does your employer offer or not offer a brok...

I don’t see this discussed a lot on the board and it is a remarkably effective way to deal with rising interest rates. If one fishes around on the page there is a good description of what happens to bonds as they go through their maturity cycle. You should understand it. Of particular note check ou...

an important note: when it comes to medicare there can be a huge difference in your treatment allowed between not for profit gov't medicare vs a for profit insurer in an advantage plan as your gate keeper ... those cheaper advantage plans are only good until they aren't . If you choose Advantage, k...