What % of your Total Portfolio is the PP?

General Discussion on the Permanent Portfolio Strategy

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rhymenocerous
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What % of your Total Portfolio is the PP?

Post by rhymenocerous » Thu Apr 17, 2014 4:18 pm

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.
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Re: What % of your Total Portfolio is the PP?

Post by dualstow » Thu Apr 17, 2014 4:58 pm

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?

Post by ns3 » Thu Apr 17, 2014 5:06 pm

Around 90% I would say. All but our Roth IRA's which are invested in VWINX.
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Re: What % of your Total Portfolio is the PP?

Post by Ad Orientem » Thu Apr 17, 2014 5:52 pm

Somewhere between 80-90%.
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Re: What % of your Total Portfolio is the PP?

Post by barrett » Thu Apr 17, 2014 8:36 pm

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!).
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Re: What % of your Total Portfolio is the PP?

Post by Pointedstick » Thu Apr 17, 2014 8:38 pm

About 80%.
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Re: What % of your Total Portfolio is the PP?

Post by HB Reader » Thu Apr 17, 2014 8:49 pm

Just a little under 2/3's of our total investments.
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Re: What % of your Total Portfolio is the PP?

Post by Tyler » Thu Apr 17, 2014 11:02 pm

Not counting home equity, I'm 100% PP.
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Re: What % of your Total Portfolio is the PP?

Post by goodasgold » Fri Apr 18, 2014 8:26 am

HB Reader wrote: Just a little under 2/3's of our total investments.
Ditto for me.
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Re: What % of your Total Portfolio is the PP?

Post by LazyInvestor » Fri Apr 18, 2014 10:08 am

100%
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Re: What % of your Total Portfolio is the PP?

Post by buddtholomew » Fri Apr 18, 2014 11:48 am

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?

Post by foglifter » Sat Apr 19, 2014 1:26 am

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.
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Re: What % of your Total Portfolio is the PP?

Post by Reub » Sat Apr 19, 2014 4:43 pm

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?

Post by foglifter » Sat Apr 19, 2014 5:36 pm

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.  :D
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Re: What % of your Total Portfolio is the PP?

Post by goodasgold » Sat Apr 19, 2014 5:49 pm

Reub wrote: I think that a PP percentage equal to one's age makes a lot of sense.
But, using this scenario, what would comprise the VP for the remainder of your portfolio?
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Re: What % of your Total Portfolio is the PP?

Post by Ad Orientem » Sat Apr 19, 2014 9:27 pm

goodasgold wrote:
Reub wrote: I think that a PP percentage equal to one's age makes a lot of sense.
But, using this scenario, what would comprise the VP for the remainder of your portfolio?
If I were doing this, I'd use VTI or VT.
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Re: What % of your Total Portfolio is the PP?

Post by blackomen » Sat Apr 19, 2014 11:57 pm

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
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Re: What % of your Total Portfolio is the PP?

Post by vnatale » Wed Jan 01, 2020 8:34 pm

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?

Post by drumminj » Wed Jan 01, 2020 9:02 pm

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.
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Re: What % of your Total Portfolio is the PP?

Post by Smith1776 » Wed Jan 01, 2020 9:08 pm

100% :)
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Re: What % of your Total Portfolio is the PP?

Post by Tortoise » Thu Jan 02, 2020 2:24 am

Close to 100% for almost 10 years now.
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Re: What % of your Total Portfolio is the PP?

Post by boglerdude » Thu Jan 02, 2020 3:32 am

How does owning primary residence influence this. If you could sell if you needed to
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Re: What % of your Total Portfolio is the PP?

Post by mathjak107 » Thu Jan 02, 2020 4:07 am

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
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Re: What % of your Total Portfolio is the PP?

Post by sophie » Thu Jan 02, 2020 12:12 pm

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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Re: What % of your Total Portfolio is the PP?

Post by Cortopassi » Thu Jan 02, 2020 3:54 pm

100%
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