I am wondering if anyone has compared both the perm portfolio and vwinx?

Ive done some back testing and it seems for any time period, vwinx has outperformed the pp in both return and in lower risk.

Setup:
using Kwanti for backtesting
PP ( $cash, VGLT, IAU, VTI )

Using the following ETFs for my PP: IAU- Gold VTI- Stocks VGLT- LT Bonds VMMXX- Cash All ETFs are traded free except for IAU( $7 ) I choose to stick with the VMMXX since it wouldn't require me to sell another fund to repurchase other assets and run into issues with putting money back into VMMXX. ( S...

Opinions on the following for the LTT and cash.

BSV EDV
VGLT VGSH

I dont think im going to be at the current job much longer, so that is one reason to max the 401k out. I also dont want to be stock heavy since im really trying to pursue the PP and I also believe the stocks are riding on thin air ATM. I guess an option would be to like you said, split between the 4...

Thats another option, but I would then have to either put a ton of money into taxable accounts or put the $17.5k into the 401k fund, which I would then be very heavy in stocks.

1. So the option you are talking about is not available to me or is the roth option of my paycheck deduction I should be using? There is a spot which says once I hit my $17.5k contrabutions, it will automatically start with post tax contributions. This is the additional $30k I can put in correct? Fo...

Im also with Vanguard for my 401k and under contrabutions, I have the following options: PRE-TAX DEFERRALS Roth Defferals They both can be set up to 75% of my paycheck each 1. This is not the option you were talking about correct? Its a contribution from an outside source instead of your paycheck? I...

Im getting pretty confused... So, I make $52500 with a 6% match in my 401k $5k into the Roth $3150 match and $3150 from my paycheck to my 401k Then, up the from paycheck to $17.5K(33%) plus the $3150 from my match? Someone said to try and not get into the lower tax bracket from the 401k, why is that...

Thats a lot of information to take! I currently earn $52500 a year if that helps. I have all that money in cash for emergency/ potential house downpayment(currently renting on the cheap), but am willing to invest it. I have my 401k right now in the retirement 2060, due to it having the lowest fees a...

The only issue I can see with your strategy is rebalancing.... The options in my 401k right now are pretty limited: Vanguard Prime Money Mkt Fund Inst VMRXX Vanguard S-T Bond Idx Inst Plus VBIPX Vanguard Total Bond Mkt Ix Ist Pls VBMPX Target Retire Income Tr P Target Retire 2010 Tr P —5 yr incremen...

So your saying to have all my accounts act like a giant PP. Use my savings as my cash, put the fixed income and gold into the roth and stocks into the taxable? I could also keep physical gold, but would be hard to rebalance with that. I could also use my 401k and put that all into stocks. It would l...

Still have these questions: 1. Advice on maybe keeping 3mths in the checking for CC payments, quick access to funds etc.. Then putting the rest into a taxable account with the 4 x 25 allocation. Thoughts? 2. Any way to pay the credit cards in the taxable PP account easily? Im going to be using Fidel...

I will have to check it out! Thanks for the help! Another proposition. I currently roughly a year emergency fund in a "extreme checking account". 2%APY as long as you have 15 transactions and can have a max of $15k in the account. The issue is now I have a bunch of credit cards in order to...

4. Since this is all in a Roth, I would just reinvest dividends.  Having them all go to cash is a strategy for taxable accounts so that you can effectively harvest any losses without triggering the wash sale rule. please explain. Points: 1. I currently have more in my Roth due to starting way before...

Im very intrigued by the idea of the portfolio and would like to implement a large portion of my roth to it. ETFS: ITOT GLD SHY TLT The ETFs are commission free trades except for GLD which is $8 each trade. Questions: 1. What is the best way of putting contributions into the portfolio? Same percent ...