Search found 10 matches

by mbh
Wed Dec 11, 2013 10:56 am
Forum: Gold
Topic: Exploring Gold Ownership Options
Replies: 3
Views: 3183

Exploring Gold Ownership Options

I've been running a PP for about 3 years.  The one thing I've struggled with is how to own gold.  Up until now, I've owned gold ETFs in tax advantaged accounts (Roth, IRA, profit sharing plan).  Since gold doesn't throw off interest or dividends, I know that I shouldn't be using up valuable tax adva...
by mbh
Mon Feb 21, 2011 8:49 pm
Forum: Permanent Portfolio Discussion
Topic: Getting Started
Replies: 17
Views: 9839

Re: Getting Started

basic, If you buy IAU in a taxable account, make sure you understand and are comfortable with the tax consequences.  I bought IAU in a taxable account in January.  About a week or two later, I found out about the need to calculate adjusted basis as described here: http://us.ishares.com/content/strea...
by mbh
Mon Jan 31, 2011 9:47 am
Forum: Permanent Portfolio Funds
Topic: Is PRPFX cost (expense + tax) efficient? The answer is NO.
Replies: 19
Views: 20168

Re: Is PRPFX cost (expense + tax) efficient? The answer is NO.

chrikenn, Interesting post.  I've also run a similar analysis to yours.  Like you, I concluded that a traditional 4x25 PP in taxable accounts would ultimately have a lower total cost (including ERs and taxes) than PRPFX.....unless I'm just missing something. One note about gold.  I actually purchase...
by mbh
Sun Nov 07, 2010 9:27 am
Forum: Cash
Topic: Cash for Taxable Accumulator
Replies: 2
Views: 4082

Cash for Taxable Accumulator

I'm getting ready to make my first PP contributions.  For now, I've decided that my existing tax advantaged accounts will remain more "traditional".  However, I plan on making new SEP-IRA and taxable contributions to the PP each year starting this year. For PP purposes, my tax advantaged space is li...
by mbh
Sun May 16, 2010 3:47 pm
Forum: Permanent Portfolio Discussion
Topic: Saving for college
Replies: 47
Views: 23641

Re: Saving for college

I was researching PP options for 529 plans a few weeks ago.  I found an iShares 529 plan which has TLT, SHY and so on.  Unfortunately, it is not a direct sold plan, and I don't have an advisor.
by mbh
Fri Apr 30, 2010 8:48 pm
Forum: Stocks
Topic: Using SCV and EM
Replies: 16
Views: 16299

Using SCV and EM

Using the Simba spreadsheet, I took a look at the impact of using SCV (VISVX) and EM (VEIEX) for the equity portion.  The tables below summarize the results of one scenario.  Note the following: - Both options assume 25% Gold, 25% LT Bonds and 25% TBills/Treasury Money Market - Option A assumes 25% ...
by mbh
Wed Apr 28, 2010 10:13 am
Forum: Permanent Portfolio Discussion
Topic: What Permanent Portfolio Rules do you "break"?
Replies: 6
Views: 6434

Re: What Permanent Portfolio Rules do you "break"?

I'm just getting started with PP, but I feel like I'll be breaking a few rules too. First, I'm considering PP to be my Plan B.  My main portfolio is a typical DFA 60/40 slice and dice with some gold and commodities mixed in.  I'm not prepared to abandon Plan A.  My goal is to put enough in Plan B so...
by mbh
Mon Apr 26, 2010 9:25 pm
Forum: Cash
Topic: Using I Bonds for Cash
Replies: 29
Views: 22971

Re: Using I Bonds for Cash

I think I-bonds are awesome.  One of the things they do is instantly expand your tax-deferred space.  People will catch on to this one day I am sure. In your view, are there any limits to how far this can be taken?  Hypothetically, would you be willing to hold 100% of your cash in I-bonds during th...
by mbh
Mon Apr 26, 2010 7:36 pm
Forum: Cash
Topic: Using I Bonds for Cash
Replies: 29
Views: 22971

Re: Using I Bonds for Cash

Thank you for your responses. fnord123 - I have a separate emergency fund in an ING account.  I don't expect to touch any of these funds for quite some time (15-25 years).  Even so, I take your point regarding I-Bonds not being available for 12 months (and even longer if one wishes to avoid interest...
by mbh
Mon Apr 26, 2010 5:40 pm
Forum: Cash
Topic: Using I Bonds for Cash
Replies: 29
Views: 22971

Using I Bonds for Cash

I'm interested in starting a new PP.  I'm starting from scratch (as far as this portfolio is concerned).   I hope to contribute approximately $40K per year.  Of the $40K in new contributions each year, about $14-16K would be new tax deferred contributions. Given limited tax deferred space, would it ...