Yep Dutch, Sorry. no CAGR. I used this just as an benchmark against my own portfolio (10% cash, 20 % gold, 30 % LT Bonds, 40 % Equities // average yield 6,4 % so slightly better). I dont have inflation figures but I think you can google them. My guess is around 2% for this period. So real return wil...

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%...

Also Dutch.

De Giro: cheap but very simpel functionality
Binck: not so cheap but very friendly interface
Lynx: the best functionality (far too much) and cheap but lousy user-interface (for PP people, is meant for treaders.).

frugal wrote:IBCL



Regards

I uses IBGL (which is the same) 75 % and PIMCO 25 Yr Zro Cupn US Ty Inx Fd ETF (25 %).

Back to topic ? No, we are not wrong, because we believe in passive, low-expense-ratio, well-diversified investing. In fact, our investing is actually better diversified than the typical stock/bond portfolio, because we also hold a valuable commodity (gold) which is uncorrelated with stocks/bonds. Y...

I have learned about the Permant Portfolio in 2002. I dont know when I discovered this forum In 2002 I had about 70 % equities allocations so I moved to a modified PP [40% stocks, 20% gold, 30% LTT, 10% cash $/€ mixed]. With an average yield over 15 years of 6,1 % I have no reason to change the stra...

It sounds like Gerard is holding a USD PP, and that some of the return this past year was the dollar increasing against the euro. That worked out well this year, but you've taken on some currency risk that may not be necessary. The gold component is enough currency risk, since its price in local cu...

PP vanille:
Equities (40%), LT Bonds (30%), Gold (20%), Cash (10%) with a bandwidth balancing of 10%.

Performance 2016: 10,6 %. Thx to the rising of the $ to the €. And I sold some covered calls.
Since 2002: 6,9 %.

See my sloppy website:
http://www.verstandig-beleggen.nl/index.php?paginaid=7

A crash? Give me a break you Chicken Littles. A crash is when you lose almost 30% in a day aka October 19 ,1987. That's probably gonna happen if Trump wins the election. That I remember; I started investing on October 12, 1987 with $ 10.000,- gift from my mother. I lost $ 3000 that day and i phoned...

Performance               Cash  LT Bond Gold Equities Portfolio Permanent Portfolio Investement  Banks Dividend (2013) YTD 2015                   8,5%   3,8% -3,0% 6,0%     3,9%         1,7%               4,5%                 -2,0% Average 2002 /present 4,9%   9,5%   9,6% 6,0%     9,3%         6,2% ...

Funny, an other Dutch member. Are there more Dutch people active here ?

Thx, thought so. Always the choise between risk and yield. I think that if they don't drop Greece, they certainly won't exit Italy.

Thanks, I saw it too.
Did you analyse the difference with iShares Euro Government Bond 15-30yr UCITS ETF (IBGJ).
The duration seems longer (better ?!) but the yield is lower ?

I came upon a new term: Reflation. as a description of the current economic phase. Any usefull addition to the HB theory ?? Which may change the core 4 assets portfolio ? Wikipedia Reflation is the act of stimulating the economy by increasing the money supply or by reducing taxes, seeking to bring t...

After finishing laughing over the 5-days death conviction Thought Experiment back to figures. Performance YTD European PP: 3,1 % Personal PP (10 % cash, 20 % gold, 30 % T Bonds, 40 % equities): 5,0 % Equity dividend portfolio: 4,1 % Neutral profile investment banks: 4,0 % Just a normal year. http://...

I understand your concern. However I still do have my €/$ LT Bond-allocations: 75 % iShares € Government Bond 15-30 & 25 % ZROZ And of course the capital gain at the moment is foolish. I just hope the rebalance point will arrive before the game is over. Your allocation at the moment implies in f...

Funny
Also INTP
The difference between the P and the J is planning isn't it ?.
You should expect a "J", however I think the "P"people can accept better the fact that the future is unknown which is quite essentail for the PP philosofie.

Desert wrote:

MangoMan wrote:

Thomas Hoog wrote: Who is Kim Kardashian ?

Sometimes ignorance is truly bliss.

  +1

I'm too old to be called ignorant. She certainly has qualities as an asset for the short term, maybe something for the VP.

Some Euro figures: IMEU Euro shares +8.3% IBGL Euro 15-30y bonds +26.6% GBS Gold +1.5% IBGS Euro 1-3y bonds +1.8% Average = 9.6%, very close to USA figure. I have got slightly different € figures: IBGS Euro 1-3y bonds: +3,1% iShares MSCI World UCITS ETF DIST (ok, its global): 13,6% Gold ($) : 5,3% ...

Who is Kim Kardashian ?
I like predictions, so useless.
I just think the world come to senses, so Stocks & Bonds will go down.
So Gold should the trick.

"Of course, "bonds down" has been the prediction for 6 years now and we're all 0 for 6.  Trying for 0 for 7."
+1 

25% bonds 1/2 German government 30yr bond, EUR, 1.38% yield 1/2 Treasury 30yr bond, USD, 2.76% yield The bond section is a tough one. There are EUR long term government bond ETFs, but they sample bonds from Germany, France, Spain, Italy and even Greece! No sane person shall buy that ETF. Well, I am...

I think there's two ways to approach the oil situation: 1) Look to enter into well diversified companies for the long-run. Dividend investing. 2) Look to pick up drillers at a potential bottom and cash out after a significant rebound. For the former, Chevron, Exxon, Phillips are all good choices. F...

I would take a combination of US $ and EUR €: TLT for the € part iShares Euro Government Bond 15-30yr UCITS ETF for the € part which part ? I think depending on the correlation of the SEK and the $/€. The higher the correlation the higher part. Or just plain simple 50/50 %. Or add UK bonds as a thir...

Oil stocks is only for dividend investors. Don't try to time on the stock price. It will be dead business at some time, 10 - 30 years. So in the meantime you just collect your dividend. It's about 4 %. No guarantee, but quite stable. So better than Bonds at the moment. There are the big 5. If your a...