I believe US PP has indeed performed worse this year; I also did some rebalancing during the year buying German Gov Bond when price had dropped a lot and have cash lower than 25% (around 16%). So you invest something like 16/28/28/28? Do you already withdraw from your portfolio? If so, how is your ...

Hi, I started an EU PP in 2016. This year seemed to become the worst (in PP history I think) given the current economic scenario (tight money recession) last happened in 1980.. but after a recent rally in October I am now down only 6.5% this year. The PP is against market timing but you managed to ...

Thanks for the great discussion! Just so I understand correctly: The recommendation would be to take my targeted SWR (4%) out of the PP at the beginning of the year and keep the 25/25/25 in the process. Then the following year I would take 4% out again and make the 25/25/25/25, correct? So with that...

Perhaps I have misunderstood. I invested my assets in my European Permanent Portfolio in October. At the beginning of next year, I will start drawing 4% of the portfolio as a monthly standing order (4%/12) and live at least partially off of it. Rabalancing will take place based on bands (35/15). My ...

Thanks for your responses! I probably do look in way too often though surprisingly I tend to panic when one of the assets significantly outperforms. The 25% cash is invested as a bank deposit and short-dated Germany bonds. Here I also try to keep a 50/50 split when the short bond expires. Rabalancin...

Hello, I have increased my assets through company sales and real estate sales this year. After some consideration, I have now built a European Permanent Portfolio last month. I live in Germany. The portfolio consists of: - Developed Europe Stock ETF - German Gov Bond (2050) - German Gov Bond (2023) ...