Search found 176 matches
- Thu Feb 21, 2013 10:17 am
- Forum: Permanent Portfolio Discussion
- Topic: Backtesting for the Optimum HBPP Allocations
- Replies: 101
- Views: 252811
Re: Backtesting for the Optimum HBPP Allocations
I have also been playing around (great data) with set of allocations with round figures 0, 10, 20 etc. and the 40 years periode and the 30 years period. In the 30 years period the HP allocation performs less compared to the 40 years period. However the final conclusion was a 10 % (cash), 20 % (Gold...
- Wed Feb 20, 2013 11:01 am
- Forum: Permanent Portfolio Discussion
- Topic: Chances of losing (and winning!) are close to zero.
- Replies: 348
- Views: 112157
Re: Chances of losing (and winning!) are close to zero.
never been so lucky
best performer is Diageo, which I bought because they sell whisky
Seems without risk for me, if they went bankrupt, I should get some bottle's out of their stock as shareholder.
best performer is Diageo, which I bought because they sell whisky
Seems without risk for me, if they went bankrupt, I should get some bottle's out of their stock as shareholder.
- Wed Feb 20, 2013 10:04 am
- Forum: Permanent Portfolio Discussion
- Topic: Chances of losing (and winning!) are close to zero.
- Replies: 348
- Views: 112157
Re: Chances of losing (and winning!) are close to zero.
I think you just prove HB's: Rule #1: Your career provides your wealth. You most likely will make far more money from your business or profession than from your investments. Only very rarely does someone make a large fortune from investments. Marc's real quest is: Is there a portfolio (VP) which "ma...
- Wed Feb 20, 2013 9:38 am
- Forum: Permanent Portfolio Discussion
- Topic: Backtesting for the Optimum HBPP Allocations
- Replies: 101
- Views: 252811
Re: Backtesting for the Optimum HBPP Allocations
I have also been playing around (great data) with set of allocations with round figures 0, 10, 20 etc. and the 40 years periode and the 30 years period. In the 30 years period the HP allocation performs less compared to the 40 years period. However the final conclusion was a 10 % (cash), 20 % (Gold)...
- Fri Feb 08, 2013 8:32 am
- Forum: Permanent Portfolio Discussion
- Topic: The "Permanent Boglehead Portfolio"
- Replies: 8
- Views: 6584
Re: The "Permanent Boglehead Portfolio"
It looks very like my own allocation; I use 40 % stocks & 30 % Bonds Backtesting (simba) P1: HP PP P2: 40 % stocks, 30 % Bonds, 20 % Gold, 10 % Cash P3: 30 % stocks, 40 % Bonds, 20 % Gold, 10 % Cash P1 P2 P3 Average 9,46% 10,18% 9,97% Std. Dev. 7,79% 8,62% 7,94% Down SD 2,53% 3,33% 2,64% Up SD 6,58%...
- Fri Feb 08, 2013 8:17 am
- Forum: Permanent Portfolio Discussion
- Topic: Riskvalue
- Replies: 0
- Views: 1287
Riskvalue
I have made a small PP-like portfolio for my wife at a different broker Allocation: Stocks 40%, Bonds 30 %, Gold 20 %, Cash 10 %. This broker provides a riskvalue of the portfolio using: To calculate the risk value of the portfolio xxBank uses the following system. The performance of your current po...
- Fri Jan 25, 2013 10:54 am
- Forum: Stocks
- Topic: Very confused about domestic/international stock allocation
- Replies: 22
- Views: 11237
Re: Very confused about domestic/international stock allocation
I think I agree with K9 There is not such a thing like equity investment in your domestic country. I could buy the AEX index (Netherlands), but the componies have almost nothing to do with the local economic situation. 80 % of their revenues are global. BMW sells more cars in China then in Germany a...
- Fri Jan 25, 2013 9:32 am
- Forum: Gold
- Topic: My Mistakes in gold allocation
- Replies: 5
- Views: 2265
Re: My Mistakes in gold allocation
There is no ideal world
My compromise:
SPDR Gold, ZKB Gold EFT (EUR), ETFS Physical Swiss Gold Trust ETF (SGOL), about 70 %
Boullion vault, about 20 %, that's really nice, altough I really don't know how secure it is.
Coins, about 10 %
My compromise:
SPDR Gold, ZKB Gold EFT (EUR), ETFS Physical Swiss Gold Trust ETF (SGOL), about 70 %
Boullion vault, about 20 %, that's really nice, altough I really don't know how secure it is.
Coins, about 10 %
- Tue Jan 22, 2013 9:26 am
- Forum: Stocks
- Topic: Very confused about domestic/international stock allocation
- Replies: 22
- Views: 11237
Re: Very confused about domestic/international stock allocation
You are from Portugal, that's still Europa, so you can buy the Europa Stocks (in EUR)
Isreal is definitly no Europa Country with their own currency (Shekel ??)
Isreal is definitly no Europa Country with their own currency (Shekel ??)
- Mon Jan 21, 2013 8:03 am
- Forum: Stocks
- Topic: Very confused about domestic/international stock allocation
- Replies: 22
- Views: 11237
Re: Very confused about domestic/international stock allocation
Nice question I'm afraid that a Middle East index (if exist) is mostly a oil based index, which will be not very diversed. Why no be very practical and just take a World stock index (DM+EM) maybe in your own currency, otherwise dollars. I really don't know if the world index is contrair to Israel Bo...
- Thu Jan 10, 2013 10:53 am
- Forum: Permanent Portfolio Discussion
- Topic: Withholding tax in European PP
- Replies: 9
- Views: 5078
Re: Withholding tax in European PP
Thomas Hoog, another option which is not common for here: Amundi Funds Index Equity Euro – AE what do you think about this in terms of performance, tax, dividends, and fees ? Regards. I don't know exactly the difference, but it seems this one is more actieve managed in compare with Amundi ETF MSCI ...
- Thu Jan 10, 2013 6:21 am
- Forum: Permanent Portfolio Discussion
- Topic: Withholding tax in European PP
- Replies: 9
- Views: 5078
Re: Withholding tax in European PP
Dutch tax on dividends of 15% is not a problem. You can ask it back in your Tax appliance There is no one tracker that is perfect. You want: a broad EUR stock tracker non including UK no dividend (accumulate) (tracker (acc) lowest TER ratio A quick scan: http://www.indexvolger.nl/ Aandelen: db x-tra...
- Wed Jan 09, 2013 10:24 am
- Forum: Other Discussions
- Topic: Public investment strategies
- Replies: 13
- Views: 4378
Re: Public investment strategies
I disagree They are 2 different worlds Investing & modern portfolio strategy is based on the assumption that every piece of news is reflected in the value of the concerning assets. Trading fills the gape between actual news and the value. They don't have a strategy so there is nothing to post on the...
- Wed Jan 09, 2013 9:55 am
- Forum: Variable Portfolio Discussion
- Topic: Great Returns!
- Replies: 34
- Views: 12551
Re: Great Returns!
Funny, we discuss daytrading during X-mas dinner, because one brother-in-law will start daytrading because he has lost his job, something in the financial world. The other brother-in-law know really one couple who makes a living out of daytrading and more. figures about 500 k a year. And they fitted...
- Wed Jan 09, 2013 9:20 am
- Forum: Permanent Portfolio Discussion
- Topic: Japanese PP performance 2012
- Replies: 12
- Views: 5760
Re: Japanese PP performance 2012
The performance of Gold is excellent. Is it because of the Yen-dollar exchange rate ??
- Wed Jan 09, 2013 9:12 am
- Forum: Permanent Portfolio Discussion
- Topic: Withholding tax in European PP
- Replies: 9
- Views: 5078
Re: Withholding tax in European PP
Also Dutch And yes, you are correct "And some paperwork" is an underestimation. I have never try it, but as far I have read about it, it is very bureacratic. You have to fill in a lot of papers and sent it tom the embassy (??). I never met anyone who has done. So you loss something like 0.4 - 0.7 %....
- Mon Jan 07, 2013 6:34 am
- Forum: Permanent Portfolio Discussion
- Topic: Predictions For 2013
- Replies: 95
- Views: 33834
Re: Predictions For 2013
I have proven in the past to be the worst prophet of all, so be aware
VTI: +32 %
TLT: - 8 %
GLD -12 %
SHY + 4 %
makes + 4 % portfolio
VTI: +32 %
TLT: - 8 %
GLD -12 %
SHY + 4 %
makes + 4 % portfolio
- Mon Jan 07, 2013 6:20 am
- Forum: Permanent Portfolio Discussion
- Topic: Permanent Portfolio Performance for 2012
- Replies: 27
- Views: 13148
Re: Permanent Portfolio Performance for 2012
European Portfolio (Marc de Mesel) Portfolio: 8 % Stocks (MSCI EMU Index (net): 19 % Bonds (iBoxx € Germ. 10+ (Tot Ret): 8 % Gold (National Bank Belgium (kg): 4% Cash ( iBoxx EONIA Index (Tot Ret): 0 % Dutch Design (own portfolio) Portfolio: 12,7 % Stocks (50 % allocations; global): 16,4 % Bonds 20%...
- Tue Dec 18, 2012 9:47 am
- Forum: Permanent Portfolio Discussion
- Topic: 80-90% of your Total Savings in PP
- Replies: 43
- Views: 22506
Re: 80-90% of your Total Savings in PP
That makes a 42,5%, 32,5%, 12,5%, 12,5 % allocation. That's not HB PP nor conventional, but a Budd portfolio. SIMBA results (1985 - 2011) Budd, average: 9,7 %, Std dev: 8,3 % PP, average: 8,3 %, Std dev: 5,7% witch means that the changes you like a idiot with a PP portfolio is much smaller then con...
- Tue Dec 18, 2012 7:48 am
- Forum: Permanent Portfolio Discussion
- Topic: Why I'm Moving Back To 90% PP / 10% VP
- Replies: 8
- Views: 4157
Re: Why I'm Moving Back To 90% PP / 10% VP
recognizable & funny I follow the same trail with a 50 % stocks, 20 % Bonds & Gold & 10 Cash and with individual stocks. I have lost against the full PP portfolio by 0.3 % a year (2002/2012). I beat the global world stock index with 12 % (2002 / 2012). That is only 1 % a year. So it is not worth th...
- Tue Dec 18, 2012 7:02 am
- Forum: Permanent Portfolio Discussion
- Topic: Optimization REMOVING Cash
- Replies: 11
- Views: 5749
Re: Optimization REMOVING Cash
I think it depends on your personal situation and risk sensitivity. The PP is almost riskfree (until now) en performs well. However I can permit to take a higher risk and hold only 10 % cash mainly for balance purposes. When retirement is near I will increase the Cash allocation just like Lifestyle ...
- Thu Dec 13, 2012 4:45 am
- Forum: Permanent Portfolio Discussion
- Topic: Reinvesting funds and taxes in Europe
- Replies: 7
- Views: 3343
Re: Reinvesting funds and taxes in Europe
In the netherlands (also europa) there are no taxes on dividend or interest only on capital
In your case I would take reinvesting funds
In your case I would take reinvesting funds
- Wed Dec 12, 2012 6:37 am
- Forum: Permanent Portfolio Discussion
- Topic: 80-90% of your Total Savings in PP
- Replies: 43
- Views: 22506
Re: 80-90% of your Total Savings in PP
95 %
Real estate not included
5 % cash separate for unseen risks; broken car, washing machine etc..
Real estate not included
5 % cash separate for unseen risks; broken car, washing machine etc..
- Tue Dec 11, 2012 7:56 am
- Forum: Permanent Portfolio Discussion
- Topic: Implementing GLOBAL PP
- Replies: 23
- Views: 11833
Re: Implementing GLOBAL PP
Funny, the more people speak about a economic melt down the better the performance
My portfolio performance this year (half global, half euopa): 13%
Cash: 2,0 %
LR eur Bonds: 11 %
Gold: 10 %
Stocks (50 % allocation): 16 %
I think i just act like a ostrich
My portfolio performance this year (half global, half euopa): 13%
Cash: 2,0 %
LR eur Bonds: 11 %
Gold: 10 %
Stocks (50 % allocation): 16 %
I think i just act like a ostrich
- Tue Dec 11, 2012 7:45 am
- Forum: Variable Portfolio Discussion
- Topic: Real ASSETS
- Replies: 19
- Views: 10694
Re: Real ASSETS
almost agree with K9
You can make the cash asset out of:
Eonia: Euro OverNight Index Average (Marc de Messel) uses this one
or
iShares Barclays Euro Treasury Bond 0-1
performs almost close to zero, but riskfree as intented
You can make the cash asset out of:
Eonia: Euro OverNight Index Average (Marc de Messel) uses this one
or
iShares Barclays Euro Treasury Bond 0-1
performs almost close to zero, but riskfree as intented