Search found 53 matches

by jalanlong
Thu Apr 02, 2020 11:33 am
Forum: Permanent Portfolio Discussion
Topic: PP Five years out?
Replies: 6
Views: 111

Re: PP Five years out?

With the possibility of negative interest rates ahead, might the PP deliver a CAGR of 3% in the next 5 years? Does this sound reasonable? And, yes, I know we cannot predict the future. Thanks. As an addition to that question, I would like to know what is the minimum return most people would accept ...
by jalanlong
Wed Apr 01, 2020 9:00 am
Forum: Permanent Portfolio Discussion
Topic: Question on adding new money
Replies: 9
Views: 237

Question on adding new money

I am in the accumulation phase and adding $$ to the PP on a weekly basis. With the volatility going on right now, on any given date I may be purchasing on a day when stocks are down 5% while LTTs are up 5% or vice versa. In times like these am I better to just stick with putting 25% in each slice wi...
by jalanlong
Wed Apr 01, 2020 7:58 am
Forum: Stocks
Topic: Growth Stocks vs Total Market
Replies: 1
Views: 70

Growth Stocks vs Total Market

I recently re-read the books on the PP. And I have a general question about the stock portion. If stocks are in the portfolio for times of prosperity and economic growth, why would you want to own stocks that do not fit that description? Why would you want to own Utilities or Consumer Staples? Would...
by jalanlong
Thu Mar 26, 2020 10:18 am
Forum: Permanent Portfolio Discussion
Topic: Desert Portfolio vs PP
Replies: 4
Views: 297

Desert Portfolio vs PP

Any ideas as to why the Desert Portfolio as outeperformed the PP so handily since 1983? Is it strictly the drag of 25% gold vs 10% gold?
by jalanlong
Thu Mar 26, 2020 8:49 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 433

Re: Negative 1 and 3 Month Treasury Rates

Do yourself a favor and buy a treasury only money fund with the idle cash. I had some cash at a broker in 2008 where the sweep fund was the Reserve Fund. The broker didn't fail, but Reserve did. It took months to get access to the money and I got something like 80 cents on the dollar with no intere...
by jalanlong
Thu Mar 26, 2020 8:00 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 433

Re: Negative 1 and 3 Month Treasury Rates

If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. By “uninvested,” you mean invested in your brokerage account’s settlement fund, which I believe is generally some kind of money market fund. Might want to look under that hood. I don’t believe so. I...
by jalanlong
Wed Mar 25, 2020 8:52 pm
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 433

Re: Negative 1 and 3 Month Treasury Rates

If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. By “uninvested,” you mean invested in your brokerage account’s settlement fund, which I believe is generally some kind of money market fund. Might want to look under that hood. I don’t believe so. I...
by jalanlong
Wed Mar 25, 2020 7:29 pm
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 433

Re: Negative 1 and 3 Month Treasury Rates

Right now I own 4 ETFs for the 4 PP assets. If Tbill rates stay negative I could just keep that 25% in cash in the brokerage account uninvested. It would earn .01% probably. Better than negative I guess.
by jalanlong
Wed Mar 25, 2020 11:23 am
Forum: Cash
Topic: Negative 1 and 3 Month Treasury Rates
Replies: 21
Views: 433

Negative 1 and 3 Month Treasury Rates

https://www.cnbc.com/2020/03/25/negative-rates-come-to-the-us-1-month-and-3-month-treasury-bill-yields-are-now-negative.html I have my 25% cash position in the GBill Etf which is pretty much the same as SHV. If rates stay negative, what effect would that have on those ETFS that own treasuries of und...
by jalanlong
Tue Mar 24, 2020 4:27 pm
Forum: Permanent Portfolio Discussion
Topic: Fed Going Nuclear - Will the PP get radiation poisoning?
Replies: 40
Views: 1038

Re: Fed Going Nuclear - Will the PP get radiation poisoning?

I have been contemplating this very thing. The Fed is now buying corp bond ETFs to keep that market afloat. I assume at some point they could elect to purchase stocks to place a floor under that market as well. That is when I start to get worried. It is like going to a casino and they tell you up fr...
by jalanlong
Sun Mar 22, 2020 1:57 pm
Forum: Stocks
Topic: DIY individual stock fund
Replies: 47
Views: 22824

Re: DIY individual stock fund

I've been mulling for a while getting out of holding total-market ETFs as my stock holdings in my PP and setting up my own fund of perhaps 30 to 50 individual company stocks. For a few reasons: to cut out the middleman (avoid counter-party risk and fees, albeit tiny), to experiment with an equal-we...
by jalanlong
Thu Mar 19, 2020 8:51 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 195
Views: 53920

Re: How do you invest the Cash portion?

I'm not getting Ally CDs, using their Savings. Pays more than 30-day T-Bill. Yeah, I know about Ally... it use to be GMAC. Ally savings account interest rate is currently 1.70%. 3 month T-bill interest rate is currently 1.59%. Simple to ladder and put on auto-roll. The difference is 0.11% ( further...