Search found 35 matches

by LittleDinghy
Wed Mar 25, 2020 5:58 pm
Forum: Other Discussions
Topic: Daily "Check In" Thread For Us
Replies: 191
Views: 2199

Re: Daily "Check In" Thread For Us

Likewise Sophie. I wish you and yours turn out ok. Hopefully your niece is young!

My wife and I are fine, as is a friend staying with us (who came only after self-quarantining for 15 days)
by LittleDinghy
Sat Mar 21, 2020 8:25 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 485
Views: 108877

Re: Golden Butterfly Portfolio

"Per the quote below, and others from the thread,Sophie recommends 30% re-balancing bands [20% plus or minus 30% of 20% (=6%), meaning a range of 14% - 26%]. You might wonder, as I did, why she did not recommend a 40% re-balancing band, such as used with the PP (meaning a range of 15%-35% for the P...
by LittleDinghy
Sat Mar 21, 2020 5:52 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 485
Views: 108877

Re: Golden Butterfly Portfolio

I’m curious about why you choose different rebalancing bands for stocks. Since the GB basically " tilts the [PP] portfolio slightly towards Prosperity " ( https://portfoliocharts.com/2016/04/18/the-theory-behind-the-golden-butterfly/), our thought is that the re-balancing band for stocks should ref...
by LittleDinghy
Sat Mar 21, 2020 3:30 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 485
Views: 108877

Re: Golden Butterfly Portfolio

I"m sharing below our GB allocation percentages; it would be interesting to compare with others' GB (and PP) portfolios. I had gotten into the habit of checking our allocation percentages at the end of every month, and Jan 31 was our highest total portfolio value since starting the GB last June with...
by LittleDinghy
Thu Mar 19, 2020 1:32 am
Forum: Stocks
Topic: Tax-Loss Harvesting Recommendation (Vanguard Total Stock Index)
Replies: 10
Views: 351

Re: Tax-Loss Harvesting Recommendation (Vanguard Total Stock Index)

I have never tax loss harvested before and need help. On 8/20/2019 we purchased VTMSX (Vanguard tax-managed small cap value mutual fund) in our taxable account; at the time this money represented about 7% of our nest egg (all in our GB portfolio - we have no VP - everything is in the GB). This eveni...
by LittleDinghy
Wed Mar 11, 2020 12:32 am
Forum: Permanent Portfolio Discussion
Topic: Rebalance during these days of high volatility?
Replies: 25
Views: 1826

Re: Rebalance during these days of high volatility?

In my PP, 4x25, LTT is at least 15% above stocks, as of today’s closing prices. Is there any advice on whether to rebalance between the 2 immediately or wait until the volatility calms down a bit? My reading of The Permanent Portfolio book is that the recommended time to rebalance is when one asset...
by LittleDinghy
Mon Mar 09, 2020 5:58 pm
Forum: Permanent Portfolio Discussion
Topic: Stay cool...
Replies: 25
Views: 2347

Re: Stay cool...

Yes, thank you Craig (and Harry). I discovered your book about 1-1/2 years ago, and my wife and I started implementing the PP (actually the Golden Butterfly variation - Tyler thank you too!) in March or April last year, and finally finished implementing it for our savings the end of June last year (...
by LittleDinghy
Mon Mar 09, 2020 12:46 am
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly rebalancing bands
Replies: 16
Views: 2606

Re: Golden Butterfly rebalancing bands

Thank you both, Tyler and vnatale. One tax planning question I have is what my target should be for asset location in tax deferred, taxable and tax free accounts. Right now we’re stuck with having to put the bulk of our equity investments in my 401k and my wife’s 403b, 401a and 457 ( no gold or trea...
by LittleDinghy
Sat Mar 07, 2020 9:43 pm
Forum: Permanent Portfolio Discussion
Topic: Can Interest Rates Ever Go Up Again? ZIRP Forever?
Replies: 14
Views: 2120

Re: Can Interest Rates Ever Go Up Again? ZIRP Forever?

Thank you pmward. Very helpful indeed.
by LittleDinghy
Sat Mar 07, 2020 7:30 pm
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly rebalancing bands
Replies: 16
Views: 2606

Re: Golden Butterfly rebalancing bands

...be sure to account for how required minimum distributions may impact your potential tax bracket when running the numbers. ...I'm sure a good fee-only tax adviser would be able to help. Thank you Tyler. It is the RMDs that will keep us in our current tax bracket after retirement. I've not used a ...
by LittleDinghy
Sat Mar 07, 2020 6:43 pm
Forum: Permanent Portfolio Discussion
Topic: Can Interest Rates Ever Go Up Again? ZIRP Forever?
Replies: 14
Views: 2120

Re: Can Interest Rates Ever Go Up Again? ZIRP Forever?

Can deleveraging happen in a higher interest rate environment? Say inflation picks up and is running at 5% per year, but bond yields are suppressed at 4%, is that not a deleveraging? Slowly inflating away the debt? This is the same tactic we used in the post WWII era, and one we are currently using...