Search found 200 matches

by lordmetroid
Fri Feb 05, 2016 8:10 pm
Forum: Stocks
Topic: Individual shares ownership vs. index funds
Replies: 21
Views: 14549

Re: Individual shares ownership vs. index funds

The nice thing with an index is that it is dynamic so your holdings will change iver time to represent the best corporations.
by lordmetroid
Tue Feb 02, 2016 4:50 am
Forum: Permanent Portfolio Discussion
Topic: ultra low / negative interest rates in Germany
Replies: 101
Views: 47935

Re: ultra low / negative interest rates in Germany

LazyInvestor wrote: Just imagine the upside at the point when 30 yrs German bonds are paying -2.0%. You'll have great returns if you buy at 1%.
I believe bonds will stay around this level for the next 10 to 20 years, that was what they did last time after the great depression.
by lordmetroid
Tue Feb 02, 2016 12:50 am
Forum: Permanent Portfolio Discussion
Topic: ultra low / negative interest rates in Germany
Replies: 101
Views: 47935

Re: ultra low / negative interest rates in Germany

Another question I am mulling over, is it better to have the very volatile USD denominated TLT 20+ years bonds rather than the 2-10 years bond mutual fund available to me in Sweden.

[img width=500]http://i.imgur.com/Aif92pz.png[/img]
by lordmetroid
Mon Feb 01, 2016 1:35 pm
Forum: Permanent Portfolio Discussion
Topic: Historical performance of a Swedish Permant Portfolio
Replies: 11
Views: 6435

Re: Historical performance of a Swedish Permant Portfolio

I noticed the Cash and Bonds mutual funds had been paying out dividends so after correcting the NAV I got this chart. The stock data is also without dividends but I can't find any data where the dividends are included so the CAGR ought to be higher and the Permanent Portfolio ought to have an  even ...
by lordmetroid
Mon Feb 01, 2016 12:01 pm
Forum: Permanent Portfolio Discussion
Topic: Historical performance of a Swedish Permant Portfolio
Replies: 11
Views: 6435

Re: Historical performance of a Swedish Permant Portfolio

The SWE-PP is simply depositing 25% in each asset at the first day and letting it run it's course The SWE-PP (Daily rebalance) I add the change for all the assets, divide by 4 and apply that total to the portfolio value for each day. This gives a much smoother ride, of course one can not rebalance d...
by lordmetroid
Mon Feb 01, 2016 10:42 am
Forum: Permanent Portfolio Discussion
Topic: Historical performance of a Swedish Permant Portfolio
Replies: 11
Views: 6435

Re: Historical performance of a Swedish Permant Portfolio

jafs wrote: Why would you look at a PP portfolio without re-balancing??

The idea of re-balancing periodically is an integral part of the concept.
I haven't figured out how to do the rebalancing in a spreadsheet.
by lordmetroid
Mon Feb 01, 2016 9:40 am
Forum: Permanent Portfolio Discussion
Topic: Historical performance of a Swedish Permant Portfolio
Replies: 11
Views: 6435

Historical performance of a Swedish Permant Portfolio

This is a Swedish Permanent Portfolio without rebalancing, Admittedly smoother than an all stock portfolio but it is still a very bumpy ride and very prolonged declines. [img width=700]http://i.imgur.com/qYb3fcx.png[/img] Dear Lord: Your image has been degunked.  :) For future reference, have a look...
by lordmetroid
Sun Jan 31, 2016 6:50 pm
Forum: Permanent Portfolio Discussion
Topic: How bad, historically, has the last 2 1/2 years been for the PP?
Replies: 20
Views: 10989

Re: How bad, historically, has the last 2 1/2 years been for the PP?

I didn't suffer heavy losses in 2015 thanks to the permanent portfolio. However, it was still a difficult year of investment for me. I am still afraid to get started with my investments again. So far, I have only bought gold and bonds because the stock market has been bearish in Europe and Sweden s...
by lordmetroid
Fri Jan 29, 2016 6:50 am
Forum: Permanent Portfolio Discussion
Topic: Simplicity or Security
Replies: 9
Views: 5093

Re: Simplicity or Security

I am very comfortable using ETFs and mutual funds.
by lordmetroid
Thu Jan 28, 2016 8:16 pm
Forum: Permanent Portfolio Discussion
Topic: How bad, historically, has the last 2 1/2 years been for the PP?
Replies: 20
Views: 10989

Re: How bad, historically, has the last 2 1/2 years been for the PP?

I didn't suffer heavy losses in 2015 thanks to the permanent portfolio. However, it was still a difficult year of investment for me. I am still afraid to get started with my investments again. So far, I have only bought gold and bonds because the stock market has been bearish in Europe and Sweden si...
by lordmetroid
Wed Jan 27, 2016 8:45 am
Forum: Other Discussions
Topic: Portfolio Charts
Replies: 120
Views: 43125

Re: Portfolio Charts

Another feature which I would think it would be cool is to have the calculations hyperlinkable.

Probably not possible using embedded excel sheet but if a Javascript or a server side calculation was used, it could be done linkable and the the URI specify which asset and which proportions.
by lordmetroid
Tue Jan 26, 2016 7:58 pm
Forum: Stocks
Topic: Where is the money going?
Replies: 19
Views: 16701

Re: Where is the money going?

Value and money are two different things. Money is objective and value is subjective.
The value is determined by the preference of a person. Someone who dislikes the house or have no need for a house will value that house much lower than someone who wants the house.
by lordmetroid
Tue Jan 26, 2016 6:10 pm
Forum: Permanent Portfolio Discussion
Topic: Global Permanet Portfolio
Replies: 11
Views: 5888

Re: Global Permanet Portfolio

Perhaps it is better to simply get a passive global index fund. That way it can re-balance itself each year if one region or the other grows in a higher rate than another.
by lordmetroid
Tue Jan 26, 2016 3:15 pm
Forum: Variable Portfolio Discussion
Topic: Has anyone here ever sold silver bullion for a profit?
Replies: 5
Views: 3734

Re: Has anyone here ever sold silver bullion for a profit?

Spread in Sweden is about 5% and then there is the postage fees which is rather large for an insured shipment. Also if someone in the wrong circles finds out that you got a stash. You can expect a burglary whether or not you have it in your home or not.
by lordmetroid
Tue Jan 26, 2016 11:37 am
Forum: Variable Portfolio Discussion
Topic: Has anyone here ever sold silver bullion for a profit?
Replies: 5
Views: 3734

Re: Has anyone here ever sold silver bullion for a profit?

I do not like the physical assets, too many fees, too much spread, cumbersome and risky to store. I had a couple of bullions for a while but decided to liquidate in favor of IAU ETF instead.
by lordmetroid
Tue Jan 26, 2016 7:43 am
Forum: Other Discussions
Topic: Portfolio Charts
Replies: 120
Views: 43125

Re: Portfolio Charts

I would really really really like to have silver as an asset to choose from.
by lordmetroid
Tue Jan 26, 2016 6:15 am
Forum: Bonds
Topic: Bonds in Sweden
Replies: 31
Views: 19212

Re: Bonds in Sweden

I could either use TLT(green), or a Mutual fund with an investment profile of 10 year bonds of the Swedish state, municipalities, mortgages and very credit worthy corporations(yellow). 10 years is pretty much the longest duration you can get in the Swedish bond market. Which one would be preferable?...
by lordmetroid
Tue Jan 26, 2016 4:19 am
Forum: Stocks
Topic: Where is the money going?
Replies: 19
Views: 16701

Re: Where is the money going?

No, you clearly say it yourself. The money doesn't disappear.
The money was given to someone else when you bought your stock or house or whatever, it was never destroyed. Then when you sell, you receive someone else's money.

Paying off credit is the only way currency can be destroyed.
by lordmetroid
Mon Jan 25, 2016 9:05 pm
Forum: Permanent Portfolio Discussion
Topic: No one can know anything
Replies: 18
Views: 9799

Re: No one can know anything

That said, I do not know if it a good idea to enter the stock market at this moment. I am speculating that we will have a crash in the magnitudes of the great depression as this debt and QE bubble bursts open now in 2016.
by lordmetroid
Mon Jan 25, 2016 5:56 pm
Forum: Permanent Portfolio Discussion
Topic: Global Permanet Portfolio
Replies: 11
Views: 5888

Re: Global Permanet Portfolio

AdamA wrote: You may have mentioned this elsewhere already, but why not just use VT for your stock holding?
I want to rebalance the equities myself so I am buying the region which is on sale at that buying moment.
I also do not want the composition to be skewed dependent on the current market-size.
by lordmetroid
Mon Jan 25, 2016 5:44 pm
Forum: Permanent Portfolio Discussion
Topic: Global Permanet Portfolio
Replies: 11
Views: 5888

Re: Global Permanet Portfolio

Alright, my portfolio is designed!

25% Equities:
  • 1/4 Europe Index
  • 1/4 USA Index
  • 1/4 Asia Index
  • 1/4 Japan Index
25% Gold:
  • IAU
25% Bonds:
  • TLT
25% Cash
  • Swedish Money Market mutual fund
by lordmetroid
Mon Jan 25, 2016 2:17 pm
Forum: Other Discussions
Topic: Portfolio Charts
Replies: 120
Views: 43125

Re: Portfolio Charts

Awesome, I love it!
Much easier to build your own portfolio now and I like the educational touch.
by lordmetroid
Mon Jan 25, 2016 2:16 pm
Forum: Variable Portfolio Discussion
Topic: New rebalance study
Replies: 3
Views: 3112

Re: New rebalance study

My plan for re-balancing is by buying the new assets, this to avoid any unnecessary taxes.
by lordmetroid
Mon Jan 25, 2016 2:14 pm
Forum: Stocks
Topic: Where is the money going?
Replies: 19
Views: 16701

Re: Where is the money going?

Money isn't destroyed in the stock market, it simply changes hands.
by lordmetroid
Mon Jan 25, 2016 10:42 am
Forum: Permanent Portfolio Discussion
Topic: Global Permanet Portfolio
Replies: 11
Views: 5888

Re: Global Permanet Portfolio

I found no other long term bonds other than US bonds available at my broker of choice so, I simply bought TLT in the end, for equities I have used 1/3 of my equity part of the portfolio so far to buy the Swedish Index, don't know if I ought to diversify into Asia and US for the other parts or I simp...