So is there a group consensus on specific funds that would be superior to VTI? And if so, superior in what way/for what reason?
Thank you
Search found 41 matches
- Sat Sep 19, 2015 6:57 pm
- Forum: Stocks
- Topic: Is there a broad stock market index fund that doesn't pay dividends?
- Replies: 27
- Views: 20803
- Sun Aug 30, 2015 1:58 am
- Forum: Permanent Portfolio Discussion
- Topic: PSA: I now have a 3-year period with no gains
- Replies: 275
- Views: 103065
Re: PSA: I now have a 3-year period with no gains
Are you confusing the role of the PP w that of the VP? Why not keep money you can't lose in the PP and allocate that which is more discretionary to a VP? Because i am not a sheep of HB. Well whether you are a sheep, goat, or donkey, I have no idea... However, you seem to be a bit confused about som...
- Sat Aug 29, 2015 8:58 pm
- Forum: Permanent Portfolio Discussion
- Topic: PSA: I now have a 3-year period with no gains
- Replies: 275
- Views: 103065
Re: PSA: I now have a 3-year period with no gains
Are you confusing the role of the PP w that of the VP?
Why not keep money you can't lose in the PP and allocate that which is more discretionary to a VP?
Why not keep money you can't lose in the PP and allocate that which is more discretionary to a VP?
- Sat Aug 15, 2015 9:30 pm
- Forum: Other Discussions
- Topic: What are your favorite online news sources?
- Replies: 53
- Views: 25641
Re: What are your favorite online news sources?
Seems to me all main stream news sources are biased, leaning to some degree on various topics. An insightful exercise is to note which organization one feels is not (or the least) biased. The bias of that organization tends to match one's personal bias imho.
- Sat Aug 15, 2015 9:03 pm
- Forum: Variable Portfolio Discussion
- Topic: What do you think of Doug Casey? Is he legit?
- Replies: 8
- Views: 7366
Re: What do you think of Doug Casey? Is he legit?
Investing in his Argentina project seems as advisable as investing in the d'Anconia Copper Mines.
- Sun Jun 07, 2015 7:36 pm
- Forum: Permanent Portfolio Discussion
- Topic: No where to hide
- Replies: 804
- Views: 296840
Re: No where to hide
What economic state are we in? Prosperity? Recession? Inflation? Deflation? deflation Ding, Ding, Ding, we have a winner imho. I think without the manipulation of markets through interest rates, this would be painfully obvious to all. This central planning that adjusting interest rates to move ...
- Thu Jun 04, 2015 8:05 am
- Forum: Permanent Portfolio Discussion
- Topic: PP for retirement in a comparative context
- Replies: 12
- Views: 7739
Re: PP for retirement in a comparative context
There was an edit, that was easily missed and rather relevant... "If you've been following this update for the past several years, you'll notice that the Harry Browne portfolio has fallen to the middle of the pack. A spreadsheet error greatly exaggerated the Harry Browne portfolio performance for th...
- Thu Jun 04, 2015 7:36 am
- Forum: Variable Portfolio Discussion
- Topic: Gold Junior Miners (GDXJ)
- Replies: 8
- Views: 5309
Re: Gold Junior Miners (GDXJ)
[align=center][img width=800]http://i59.tinypic.com/255l1nd.png[/img][/align] I think there is a good potential for a nice play in here some where for a VP. I would be curious how this graph would look with the trend lines starting from the point just below the first red arrow? It seems the more ...
- Wed Jun 03, 2015 2:40 am
- Forum: Permanent Portfolio Discussion
- Topic: Forum Crash...
- Replies: 48
- Views: 20585
Re: Forum Crash...
Timing of forum crashes is suspicious. Anyone have a chart? This cracked me up! I am willing to donate my 0.02, don't go with any shared hosting. As mentioned above they are often oversold. Even when not, if only one of the people sharing gets a significant increase in traffic your site will also...
- Thu Feb 19, 2015 12:08 am
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
Just noticed this thread. I'm gonna have to take the same position I do with paying down mortgage debt. 1) The REAL problem is people taking this debt on without properly calculating its benefit to them. It either makes strategic sense to take on marginal debt for a marginal benefit, or it does n...
- Wed Feb 18, 2015 11:57 pm
- Forum: Gold
- Topic: Adaptive gold allocation rule
- Replies: 55
- Views: 25670
Re: Adaptive gold allocation rule
OINK OINK!
- Wed Feb 18, 2015 10:54 am
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
LMAO For a moment I thought you were implying my posts were so irrational as to be influenced by drugs
Interesting progression, I like the idea of including a -1 for those not all here
Interesting progression, I like the idea of including a -1 for those not all here
- Wed Feb 18, 2015 10:28 am
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
@ PS I agree debt is the devil in finance. Hate it, might not be providing enough details to make this apparent online... @TenPaGa I can understand your reasoning, w real estate I have been holding off for years for all of those reasons, there is a tax consideration w/ real estate that factors in t...
- Wed Feb 18, 2015 8:59 am
- Forum: Gold
- Topic: Adaptive gold allocation rule
- Replies: 55
- Views: 25670
Re: Adaptive gold allocation rule
I understand your sentiment completely. I myself have been "unexcited" about the long bond position for some time. To play the advocate, I must admit many market turns, and subsequent effect on $, Stocks, Long Bonds or Gold, were not necessarily predictable by myself at least. I think this hang up ...
- Wed Feb 18, 2015 4:07 am
- Forum: Permanent Portfolio Discussion
- Topic: Harry Browne/Ray Dalio
- Replies: 5
- Views: 3519
Re: Harry Browne/Ray Dalio
From Wikipedia "The fund is reported to contain: 30% Stocks (for instance, the S&P 500 or other indexes for further diversification in this basket) 15% Intermediate Term Treasuries IEF (7- to 10-year Treasuries) 40% Long Term Treaasuries TLT [20- to 25-year Treasuries] 7.5% Gold IAU 7.5% Commodities...
- Wed Feb 18, 2015 3:43 am
- Forum: Permanent Portfolio Discussion
- Topic: Harry Browne/Ray Dalio
- Replies: 5
- Views: 3519
Re: Harry Browne/Ray Dalio
I wondered about the relationship after a friend sent me one of his papers, which I am not finding now. He called his "The All Weather Portfolio" as per the below quote. The paper quoted even has a nice 4x4 graphic square... :) "The All Weather approach exploits these reliable relationships by hol...
- Wed Feb 18, 2015 1:44 am
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
Question to the group, excess $ would you recommend allocated to
1. Paying off student loans with interest rate at 2.6%?
Or
2. Contributing to a PP in a taxable account?
(Assume Retirements maxed)
Or
3. Take on more debt to Buy home/condo/place to live?
1. Paying off student loans with interest rate at 2.6%?
Or
2. Contributing to a PP in a taxable account?
(Assume Retirements maxed)
Or
3. Take on more debt to Buy home/condo/place to live?
- Wed Feb 18, 2015 1:17 am
- Forum: Gold
- Topic: Adaptive gold allocation rule
- Replies: 55
- Views: 25670
Re: Adaptive gold allocation rule
Xan's comment was spot on. At this point, I think its time for a brief excerpt from Fail-Safe Investing by Harry Browne. I've edited the text for brevity, keeping the original meaning. Rule #6: Don't Expect a Trading System to Make You Rich If someone were to tell you he'd discovered a foolproof...
- Thu Feb 12, 2015 1:24 am
- Forum: Permanent Portfolio Discussion
- Topic: Contributing - Rebalancing Timing?
- Replies: 9
- Views: 5996
Re: Contributing - Rebalancing Timing?
@Sophie :) I've already had some PP holdings for some time, just added another account. In the set up phase, it was tempting to rotate purchases, i.e. make a purchase of one of the four assets that seemed to be down, then one of the remaining three next month, etc. I was lucky to be 100% stocks 2...
- Sat Feb 07, 2015 6:39 pm
- Forum: Permanent Portfolio Discussion
- Topic: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
- Replies: 9
- Views: 6790
Re: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
No need to sell under 30 days.
My reading of the verbiage was that is would encore a selling fee of $0.03 per $1,000 value sold at any time. However, I think I made a decimal point error when calculating the impact on a trade, thanks for correcting me!
My reading of the verbiage was that is would encore a selling fee of $0.03 per $1,000 value sold at any time. However, I think I made a decimal point error when calculating the impact on a trade, thanks for correcting me!
- Sat Feb 07, 2015 4:27 pm
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
Good for your Uncle! Medicine is changing, the financial situation of the future physicians will be markedly different than the past imho, with Obama care, the rise of Advance Practice Nurses, Physicians Assistants, etc. PS (Is it heresy to post a BH link :) http://www.bogleheads.org/wiki/Paying_do...
- Sat Feb 07, 2015 3:52 pm
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
Thank you for all the replies. I don't think the situation is as unusual as it might seem, I talked with a medical student recently who claimed to be borrowing nearly 100k PER YEAR! I don't know how this could be, but I would believe they are borrowing over 50k easy as many schools tuition approac...
- Sat Feb 07, 2015 3:12 pm
- Forum: Permanent Portfolio Discussion
- Topic: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
- Replies: 9
- Views: 6790
Re: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
Ozzy, Thanks for your response, say Hi to Sharon for me :) I use Fidelity, 3 of the 4 fund can be bought commission free: ITOT total stock market TLT bonds IAU gold SHY cash I read the fine print, as below, "Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs i...
- Sat Feb 07, 2015 2:12 pm
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Re: Student Loans as Bond Distribution
Thank you for your input PS! I was proposing a concept of student loans in relation to bonds for- Current Students - paying tuition instead of buying bonds, probably unlikely People who have graduated and still in repayment, those w 100-300k in student debt (professional degrees), contributing extra...
- Sat Feb 07, 2015 1:34 pm
- Forum: Bonds
- Topic: Student Loans as Bond Distribution
- Replies: 32
- Views: 16013
Student Loans as Bond Distribution
If one were in the building, accumulation phase of life to middle age, what might the group consensus be toward devoting 25% towards paying student loans instead of buying bonds / LTL? Obviously the student loans won't appreciate like a bond will with decreased interest rates to allow the portfolio...