Only PP no VP for this list

[fishdrzig]

I though it would be interesting for only those doing the true PP to post what exactly they hold  and how they are holding it.  For example the breakdown in % of each of the 4 parts in detail.  Thanks for posting.

[finster869]

As of 3/20/15 close:

TLT  25.99% (bonds)
Cash 24.75%
SGOL 23.96% (gold)
VTI  25.30%  (stocks)

[Pointedstick]

26.6% stocks
30.25% bonds
21.03% gold
22.12% cash

[Kriegsspiel]

25.81% Stocks
64% VTSAX/VTI
36% VTIAX

27.06% Bonds
100% individual bonds

23.27% Gold
64% bullion
36% IAU

23.86% Cash
60% individual bills
40% I-bonds

[frugal]

Hi,

what for?

[dragoncar]

Hi,

what for?

I'd love to see start dates in these figures.  Presumably the differences are attributable to path dependency of start dates and subsequent contributions. 

[Kriegsspiel]

Hi,

what for?

I'd love to see start dates in these figures.  Presumably the differences are attributable to path dependency of start dates and subsequent contributions.

I'm sure you're right.

• For stocks, in late 2012 I "imported" my starter amount from some that I already had bought a couple months earlier that year. Then I made monthly int'l and US stock buys until Sep 2013. Then bought US stocks in early 2014, and in Dec 2014.
• I bought bonds every month or two from Sep 2012 through Dec 2013, with a big purchase in Nov 2012.
• I bought most of my IAU between Sep 2012 and July 2013. Bullion in Nov 2012, May 2013, and Nov 2013
• Cash, I bought maybe one or two bills, then put a bunch of cash into 3 year notes, and added i-bonds when I... felt like it.

I think cash is the asset I was adding to most regularly. Other stuff, like bonds or gold, I haven't bought in a long time.

[KevinW]

Roth IRA:
stock: VTI
bonds: TLT
gold: IAU
cash: VMMXX
Recently rebalanced, so all weights near 25%.

DW's Roth IRA: same

401k:
stock: plan's S&P 500 fund
bonds: TLT in brokerage window
gold: IAU in brokerage window
cash: plan's T-bill fund
Recently rebalanced, so all weights near 25%.

DW's 401k:
~90% PRPFX in brokerage window
~10% Fidelity Freedom Income
This brokerage window only allows open-ended mutual funds, no ETFs or CEFs, and contributions must go into a Fidelity fund. So she puts contributions in the Income fund and transfers practically everything into PRPFX annually. We're underwhelmed with this 401k plan.

Taxable: Currently 100% high yield savings accounts. About to make some large purchases.

[Tyler]

My setup is pretty simple. 

Stocks: VTI
Bonds: TLT
Gold: IAU
Cash: About 80% SCHO, and the rest in checking and my HSA

Overall, I'm split about 60/40 taxable/tax-deferred.  I'm a little light on cash at the moment, but not enough to rebalance.  The next time I rebalance into gold, I'll probably buy a few gold coins. 

[MWKXJ]

25% SCHB.
25% Directly held 30-year Treasury bonds.
25% SCHO.
25% GTU.

[sophie]

Last I checked, around the beginning of this month:

Stocks 26% (FSTVX, VTSMX, IVV, IXUS)
Bonds 25% (some TLT the rest in directly held 30 year treasuries)
Gold 24% (GTU, SGOL, 40% is physical gold)
Cash 25% (Tbills, I Bonds, some short term treasuries, core cash, and HSA)

I've got a hybrid plan for new contributions.  A while ago I did a lagging asset contribution to avoid having to rebalance out of stocks in taxable.  Now, large contributions into tax-advantaged accounts get split evenly between the four assets, while small ones get thrown into cash out of sheer laziness.

[fishdrzig]

For those of you who keep part of the CASH portion in your HSA, is that portion in a fund also within the HSA.

[Tyler]

For those of you who keep part of the CASH portion in your HSA, is that portion in a fund also within the HSA.

My HSA is basically a checking account with no brokerage window.  That's fine since I include it in the PP cash, and I like that it has no maintenance fees.