Hi PS,

To save money is adictive, you will always want more and more.

And,

We always live once.

HELLO, Acumulate all your savings and save money to a PP+VP is a complete headeache... It is RISKY and boring :-) Do you have any other SMART ways to spend a big part of your savings? Examples: # LAND # HOUSES / APARTMENTS # PRECIOUS METALS # ART ? # COLLECTION ITEMS, old cars... I wait more options...

smurff wrote: losing all your paper assets in a fraud scheme not insured by the fdic or sipc

How can we avoid this?

Thank you

smurff wrote: losing all your paper assets in a fraud scheme not insured by the fdic or sipc

Hi,

can you please comment the topic:

http://gyroscopicinvesting.com/forum/ht ... ic.php?t=7

THANK YOU

Hi,

what kind of documents shall we ask to the broker to be sure that they invested our money in the ETF's ?


I'm afraid to use a broker that can do something wrong.

Regards

I think that allocation or something similar is fine for a European VP.  I like the idea of foreign investors diversifying with a certain percentage into a US PP because of the reserve currency factor. My only change would be to make it a little more PP-like however. HBPP-US ? Please explain. Fruga...

By that point of view, CASH should be at home like GOLD, so 50% of total PP ?

Cash in a SOLID country returns almost 0%!



Thank you.

Hi,

For me it is also tough to diversify so much.

Diversify is important, is more expensive, takes more time to manage...

- several brokers
- several etfs for each of the 4 assets of hbpp

How ETFs can be fraud?


Tks

Hello, here is it: TLT - Barclays 20+ Year Treasury Bond Fund – 15%; ITE - SPDR Barclays Capital Intermediate Term Treasury ETF – 5%; GLD/SGOL - SPDR Gold Shares /Physical Swiss Gold Shares – 15%; DBC - PowerShares DB Commodity Index Tracking Fund – 7.5%; VNQ/VNGI - Vanguard REIT ETF/ Vanguard Globa...

Why not just 33/33/33? Is the reason why you're considering your cash as separate from the PP because you can't bear to part with your 4% CDs?  ;) 33% x 3 is another option. There's no optimal %'s, right? I'm young and I have CD's as you said and real REIT. Also 1,3% more per year will make a big d...

PHAU vs XAD1 vs VZLD

Which one is the better to choose?

Or it is all the same?


(I am in EUROPE)

Thank you

Hi,

I am thinking to consider to remove cash from my PP.
I have another Cash positions already.

The 25% of CASH of the portfolio shall then go to STOCKS? 50% ?
Or 12,5% for Stocks + 12,5% for long term bonds?
What is the best option in you opinion?



Thank you.

Average is probably 90%
Variables portfolios are small, very small.

Regards

Well, in US that is easier.

In Portugal no.

Even for Gold I have some difficulty to buy real gold coins/bars because I'm affraid it goes down in price and I can't sell it one day.


Please help.

Hi,

but that can happens also with ETF's

... if we have a 4 ETF's HBPP



Please explain.

Hug

For me it is a bit strange how someone can INVEST almost ALL his savings in a PP.

I am so used to CD's that covers the inflation. On your countries, as your CD's don't cover INFLATION, you had to discover another strategies earlier...

Please advice.


Thanks

Here are some suggestions for European PP holders. Not sure if you can fit them into your list. I advise European PP holders to focus on Germany for the cash and bonds part so that's what I based my suggestions on. Cash: EXVM: eb.rexx Government Germany Money Market EXHB: eb.rexx Goverment Germany ...

Hi,

what is the Schwab email contact?

Can't get answer...


Tks

escafandro,

how much % of your portfolio is in USD ?

Do you have forex position to reduce risk?

Thanks

Hi,


But HBPP had almost 20% max DD

How can we say that is for money I can't afford to lose? 



Regards.

Hi,

I have same doubt,

but what about :

65% US HBPP
+
35% EU HBPP


Regards

As a good HB pratice is to have Gold outside the country, having a portfolio VP outside should be good also, no?


Thank you

Thomas Hoog wrote: I'm with IB and yes it is designed as active trading platform with a complex interface.
However I pay nothing except when trading and trading costs are very low

you pay $10 per month minimum fee

or not? How you avoid that?

escafandro wrote:

Storm wrote: Vanguard or Fidelity.

Neither of the two accepts foreign customers, if it is your case.
You can use TDAmeritrade or Schwab.

TDAmeritrade neither



Schwab I don't know, I'll check.

Hello,

so for 10.000 USD or 10.000.000 USD

70 to 80% should be in HBPP

Is this right?



Thanks