My PP-ish did 7.1% in 2014; started 2014 at roughly 13% "Cash" (STB), 20% Gold, 25% LTT, 42% Stock (~40% of Stock Intl), with a bit of tinkering to get to this allocation, which is more PP-ish than late 2013.... (in an IRA, won't touch for many years, and doesn't include my emergency fund,...

So, it seems that Barrett and Xan believe it's not necessary to hold any cash in her local bank or to hold any CD's.  I understand the idea about the cash portion of the HB fund and to use that to pay expenses.  I also understand the idea behind funneling all gains into the cash portion upon re-bal...

My PERM is in positive territory now, including reinvested dividends (bought 2 years ago.)

The reason for cash...

I like / use Wellesley elsewhere, but for a two funder, an option:   VG Target Retirement Income + 10% Gold Stocks: 27% (19% TSM, 8% TISM) Total Bond: 48% (intermediate term; > 50% Govt; 35% US, 12% Intl) ST Bond (TIPS): 15% Gold: 10% (%'s rounded) Or use VG Lifestrategy Conservative growth (40/60 s...

I've also been considering what to do with the Cash part due to low yield, still accumulating, and have a deprecate emergency fund. (Currently my "cash" part is split between VG Prime Money Market and VG ST Bond index, and less than 25% target.) What you have now (assuming other aspects ar...

According to various pundits / analysts: * Interest rates have nowhere to go but up (killing Long Term bonds) * Fair market vale of Gold is $600 (aka, 50%+ drop) * Quantitative easing is going to cause massive inflation, destroying the value of cash * Stock market is at an all time high (NOT inflati...

+1 to what moda0306 said.

And yes, there is some abuse of the system.

And improvements that could be made.

Haven't looked closely, but seemed interesting....

http://www.businessinsider.com/chart-of ... =pulsenews

Yuck. If it were me, I'd go with a Target Date fund, selecting bases on allocation, not date. The most conservative probably is closest to the PP stock allocation.

But then, I'd probably go 50/50 to 70/30 in a Bogglehead style portfolio. Aka, that is roughly the allocation I have in my 401(k).

Everything's going down in 2014:
  Stocks down 40%
  Gold to $600
  LTT to 6%
  Inflation kills cash
  Dollar tanks

Or some. Or none.

Can always dollar cost average - 20% into PP is 5% of your total portfolio in Stocks, LTT, and Gold....

Mayhaps should be in the VP forum, but another 1 year check-in on a PP-ish journey. Background: 70/30 stock/bond slice & diced "Ultimate Buy & Hold" ish portfolio at the time of the market crash (moved from 80/20 a month before the market high -- lucky....) Still lost ~42% by the S...

That's an interesting topic. I think the "one-size-fit-all" of the PP is a little problematic. ... Finally, my personal situation : I'm paying off my mortgage, little by little. I consider this is equivalent to a TLT investment (but it is safer and has a better yield ;) ) so I don't inves...

Time to buy, or wait a bit longer.

Just don't tell them the secret sauce... "We have provided a consistent 3-6% annual REAL return over the last 30 years. Our unique investment approach tactically allocates funds based on market conditions across multiple distinct asset classes." (Aka, 4x25. 15/35 rebalance bands) Although ...

And it gets curiouser.... http://m.jacksonville.com/news/metro/20 ... rector-who

The BH forum is a great place with a lot of really smart people.  The super PP thread over there was a lot of fun to participate in (even though it was shut down through what seemed like heavy handed moderation and we had to start a new thread because another moderator didn't want to step in the to...

foglifter wrote:

ozzy wrote: PERM is up +2.11% today.  yee-ha!

Well, almost everything is up today. Gold is up over 2% and emerging markets are up almost 5%.

I am still happy PERM is up today.

Thanks for the update. I personally couldn't see going all in, but have definitely thought using moving averages as part of rebalances / adjusting allocations +/- 5ish percent...

How are you defining "stocks"? But and interesting question - I wonder if any has thoughts on REIT / TIPS / SCV / other options that some think do better in imflation than LCB / standard bonds...

Has there ever been a period where the three volatile assets have all had big gains over multi-year periods?  Stocks since 'po, Gold for 10+ years, LTT for 30ish? I started my PPish investment in Aug '12. All three seemed overvalued to me at the time, but I have sub-optimal foresight ability, so did...

Honestly, I don't think folks' concern is about the absolute return but the performance relative to a typical Boglehead portfolio. (If stocks were down 40%, a boggleheads portfolio down 20%, and the PP down 2%....) I understood this going in, but it seems like folks are talking past each other. It a...

Aka, the "Oh how I hate to see no gain" thread...

I don't have the answers, but I think we'd be better of with a flatter (?more balanced?) income distribution: * SS / Medicare assumed they tax x% of total income: we are below that because of the unequal growth of top income * Some of the economic problems caused by lack of demand - lower incomes sp...

I keep reminding myself its a long term play and not to confuse outcome with strategy.... Even though I'm more PP inspired (roughly half of ret monies) than true PP and more geared to prosperity with 40% tilted stock allocation, but starting in mid/late 2012 wasn't the best timing.... (Moved from a ...