Hi All, I have two HBPPs.  One is for retirement and it holds actual bonds and physical gold.  The other I set up as a way to earn some interest with my short to mid-term money using FSTVX, PHYS, TLT and SHY. I sold a decent amount of the short to midterm portfolio when I bought my house last year a...

Thanks Tyler!  That's the best answer yet.  I did not consider that the fund will be purchasing bonds at the higher rates - that is very reassuring.  I'll stick with what I have and just add cash to the portfolio and my regular bank account for now.  Appreciate it!

Also, it may take a while for one of the other asset classes to offset loses in bonds.  They may be a year or two of significant draw down and I may or may not need the money in that time.  That's the concern - it doesn't always work like clockwork where one asset takes a huge hit and the other imme...

I'm not misunderstanding anything.  I get it.  Again, I have two HBPPs.  I'm only questioning whether it's a good idea to use the strategy for the short/midterm when it's fairly obvious rates will go up at some point in the short to mid term. I would hate to have it take a big hit with money I may n...

Murphy - don't need to read up on it.  I know that part of the strategy - which is only recommended if the interest goes up to justify it.  I was just pointing out how there is less risk of losing money in owning the actual security vs the fund bc you always have the option of holding till maturity ...

Hi All, Looking for some thoughts/opinions.  I have two HBPP.  One is my long term retirement portfolio which is as strict as it gets - holding 30 year US Treasuries and physical gold.  I'm leaving that as is. The second is a short to medium term fund.  For convenience and liquidity purposes, I hold...

Like I said, "I would stray away from putting a stock fund in your roth IRA.  [b ]Unless it earns you heavy dividends,[ /b] you're not going to get taxed on stocks until you sell.  You can avoid this by just contributing to the losing asset classes each month and avoid having to sell to rebalan...

I would stray away from putting a stock fund in your roth IRA.  Unless it earns you heavy dividends, you're not going to get taxed on stocks until you sell.  You can avoid this by just contributing to the losing asset classes each month and avoid having to sell to rebalance. You'd be better off for ...

Some may recall me debating endlessly what to do with my medium term savings - PERM, PRPFX or 4x25 PP.  I went with a 4x25 PP.  I put the money in just a few weeks ago.  So far I'm up and can't complain! I feel good about the decision overall and would recommend it.  I need to stop checking it so of...

Thanks Rick - that's super helpful.  So that 20% highest draw down was just on one particular day?  And the highest year end drawdown was 4.1%?  That's a risk I can handle as I'm not going to wait until the day I need the cash for a downpayment.  Once I decide I'm definitely buying a house and my po...

Tom, be aware that over the last forty years there have been periods of significant draw down in the permanent portfolio, and that one could occur when you are ready to cash out for the down payment.  It may not be likely, but it is possible. What is your time horizon for buying a home? When I look...

I'm really uncertain.  I'm getting married in April and I'd really like to do it sooner than later, but my gut tells me to not rush and save up a little more.  I live in the NYC area and housing prices and the taxes are astronomically high.  Even with a 200k downpayment and earning six figures, putt...

I've read that despite being able to redeem shares for actual physical gold, that due to being a closed-ended fund that it doesn't track the price of gold nearly as closely as GLD.  Not sure which way to go. There's always buying physical coins.  Since this is for shorter term investment, could it b...

I searched the forum for this fund and nothing came up.  I'm thinking I'm going to implement a short term house fund in permanent portfolio form using funds for each 25% allocation.  GLD is the obvious for gold, but my accountant also told me about a fund, PHYS.  Anyone have any thoughts on or exper...

A while back I decided to open a second brokerage account for institutional diversification.  I already had one with Fidelity and started a second with T-Rowe Price.  I needed to add money to stocks so decided to buy a new fund through them.  The new Permanent Portfolio book wasn't out yet and I mig...

Just as a hypothetical - when you sell gold bullion to a dealer, do they take your information and issue a 1099 of the sale?  Never had to do this so just curious.

Hm - a lot to think about.  Thanks everyone for all the input.  I had already made up my mind to avoid PERM before revisiting this thread due the lack of volume and the risk that it could close and find it liquidating.  That got re-affirmed here so I feel confident about that. I was going to go with...

Thanks KevinW.  My fear of PERM is not so much about TSHF in terms of the economy as much as it is about it being a new fund and something going very wrong with it's management and the fund collapsing.  PRPFX has a long track record that PERM does not.  That said, I certainly like the asset allocati...

I personally would just go with a 4 x 25% split with the following ETF's: 25% VTI (total US stock market) 25% TLT (20+ yr US treasuries) 25% SHY (1-3 yr US treasuries) 25% GLD (gold etf) See how PERM performs and at least give it time to pick up some liquidity.  If it more or less tracks the PP ove...

Question for you about PERM.  Everywhere I read, people claim it basically mimmics the HBPP with the 25% allocation to the four assets - but on morningstar it says the asset allocation is quite different:  Cash 0.34% US Stock 18.82% Non US Stock 16.04% Bond 47.98% Other 16.81% Is that because it's h...

Thanks Pointed Stick!  It looks like this fund is heavily in bonds though and not much of anything else?

I'm in the same predicament.  I have a little over 16k sitting in a 9 month risk free CD.  It was good when I bought in 2007 (5%), but I didn't know how long I wanted to have it tied up so I got the risk free so I can pull out any time without penalty.  The rate re-adjusted after 9 months and is now...