What % of your Total Portfolio is the PP?
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What % of your Total Portfolio is the PP?
I'm curious how people decide how much to allocate to their VP vs. PP. Since my 401k contributions are much larger than my Roth contributions, I basically need to count a bunch of extra money as my VP. This will probably be all stocks, broken out as: 40% stocks, 20% LTT, 20%, Gold, 20% Cash. I'm a bit nervous, however, that I may be biased in favor of stocks due to their great run-up last year.
- dualstow
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Re: What % of your Total Portfolio is the PP?
30%. After renovation loan & bills are paid, it will be closer to 40%.
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Re: What % of your Total Portfolio is the PP?
Around 90% I would say. All but our Roth IRA's which are invested in VWINX.
- Ad Orientem
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Re: What % of your Total Portfolio is the PP?
Somewhere between 80-90%.
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Re: What % of your Total Portfolio is the PP?
82.4% give or take a bit depending on the day. I'll eventually have everything set up as PP so that I don't have to think about investments all the time (unless I change my mind!).
- Pointedstick
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Re: What % of your Total Portfolio is the PP?
About 80%.
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Re: What % of your Total Portfolio is the PP?
Just a little under 2/3's of our total investments.
Re: What % of your Total Portfolio is the PP?
Not counting home equity, I'm 100% PP.
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Re: What % of your Total Portfolio is the PP?
Ditto for me.HB Reader wrote: Just a little under 2/3's of our total investments.
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- buddtholomew
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Re: What % of your Total Portfolio is the PP?
The PP comprises 35% of my overall portfolio (taxable, t-IRA). Looking at my investments as a whole, I am 50% equity, 40% fixed income and 10% PM&M (gold, mining stocks).
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Re: What % of your Total Portfolio is the PP?
60%. But a big chunk of my VP sits in PRPFX in a taxable account. I should admit that I think more and more about shifting almost everything to PP.
"Let every man divide his money into three parts, and invest a third in land, a third in business, and a third let him keep in reserve."
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Re: What % of your Total Portfolio is the PP?
I think that a PP percentage equal to one's age makes a lot of sense.
Re: What % of your Total Portfolio is the PP?
Reub wrote: I think that a PP percentage equal to one's age makes a lot of sense.
"Age in PP" surely sounds cool! Our response to Bogleheads' "Age in bonds".
Reub, you should register a trademark.
"Let every man divide his money into three parts, and invest a third in land, a third in business, and a third let him keep in reserve."
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Re: What % of your Total Portfolio is the PP?
But, using this scenario, what would comprise the VP for the remainder of your portfolio?Reub wrote: I think that a PP percentage equal to one's age makes a lot of sense.
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Re: What % of your Total Portfolio is the PP?
If I were doing this, I'd use VTI or VT.goodasgold wrote:But, using this scenario, what would comprise the VP for the remainder of your portfolio?Reub wrote: I think that a PP percentage equal to one's age makes a lot of sense.
Trumpism is not a philosophy or a movement. It's a cult.
Re: What % of your Total Portfolio is the PP?
I'm using nonstandard implementations of the PP, so depending on how you define it, either 0% or 100%
PP #1 (taxable account):
25% SPY
25% GLD
25% TLT
25% UUP
PP #2 (IRA), the leveraged PP:
1/3 UGL
1/3 SSO
1/3 UBT
PP #1 (taxable account):
25% SPY
25% GLD
25% TLT
25% UUP
PP #2 (IRA), the leveraged PP:
1/3 UGL
1/3 SSO
1/3 UBT
- vnatale
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Re: What % of your Total Portfolio is the PP?
Interested in what your current %'s is and if some of the original posters' %'s have changed.
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Re: What % of your Total Portfolio is the PP?
Thanks for reviving this, vnatale. I've been thinking about this lately as well.
For me, it's about 80%. I have a chunk in Vanguard Wellesley as well (VWIAX) -- about 15%, and then another 5% here and there in CDs and an angel investment.
I'm currently in the lucky position of being able to save a lot of cash each month/contribute to savings. I've been putting it to Wellesley over the past year, but been thinking about how to allocate new savings going forward.
For me, it's about 80%. I have a chunk in Vanguard Wellesley as well (VWIAX) -- about 15%, and then another 5% here and there in CDs and an angel investment.
I'm currently in the lucky position of being able to save a lot of cash each month/contribute to savings. I've been putting it to Wellesley over the past year, but been thinking about how to allocate new savings going forward.
Re: What % of your Total Portfolio is the PP?
Close to 100% for almost 10 years now.
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Re: What % of your Total Portfolio is the PP?
How does owning primary residence influence this. If you could sell if you needed to
- mathjak107
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Re: What % of your Total Portfolio is the PP?
it doesn't .... a home is a consumption item that cost you money as it provides your housing , until you sell it and convert it to invest able assets . it should be kept totally separate from conventional portfolio allocations .
even in retirement it is never used to base a draw on as you would a portfolio value ... it can act as collateral for costly loans but once the equity is in it is a one way funnel and can't come out without just borrowing money , the same as someone could who rented and had other assets to use as collateral .. even a reverse mortgage is a balloon payment loan ... you just have the choice of leaving them the house to pay it off.
so when it is cash and sold then you re-evalute with it otherwise it plays no role
even in retirement it is never used to base a draw on as you would a portfolio value ... it can act as collateral for costly loans but once the equity is in it is a one way funnel and can't come out without just borrowing money , the same as someone could who rented and had other assets to use as collateral .. even a reverse mortgage is a balloon payment loan ... you just have the choice of leaving them the house to pay it off.
so when it is cash and sold then you re-evalute with it otherwise it plays no role
Re: What % of your Total Portfolio is the PP?
I wish it were 100%, but it's about 40%. The rest is in employer tax-deferred (403b) accounts where I can't buy gold, so I put those into a Boglehead-style 3 fund portfolio. That will be fixed when I retire, and I'll be a "100%-er" then!
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