Search found 634 matches

by foglifter
Sat Feb 24, 2024 10:54 am
Forum: Permanent Portfolio Discussion
Topic: Interesting discussion on the PP
Replies: 1
Views: 222

Re: Interesting discussion on the PP

Thanks for sharing, Hal! A good watch for a Saturday morning. :)
by foglifter
Wed Jan 03, 2024 6:11 pm
Forum: Stocks
Topic: SP500 ETF SPLG now .02 % ER
Replies: 5
Views: 15648

Re: SP500 ETF SPLG now .02 % ER

Good to see more competition! Vanguard's VTI is still at 0.03% and I don't expect them to reduce the ER further as VTI has enjoyed big inflows last year. SSGA ETFs can be quite handy for those preferring ETFs. Those with Fidelity accounts can invest in Fidelity's zero-expense funds FNILX (large cap)...
by foglifter
Sun Dec 31, 2023 8:56 pm
Forum: Permanent Portfolio Discussion
Topic: 2023 Returns
Replies: 25
Views: 104775

Re: 2023 Returns

ppnewbie wrote:
Sat Dec 30, 2023 2:26 am
I'm up 17 percent. But its a bit of a frankenstein golden butterfly that is tech heavy.
My GB is almost 17% as well, I'm using AVUV for SCV and the portfolio is skewed more heavily towards equities - 60/20/20 stocks/bonds/gold.
by foglifter
Fri Nov 17, 2023 4:07 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

If you want to see if there's a chance the fixed rate will go up, you'd check in 2 weeks before end of April, then decide whether to buy later the same month (prediction of fixed rate staying the same or dropping) or wait for May 1 (prediction says it will go up). It is necessarily a bit of a gambl...
by foglifter
Thu Nov 16, 2023 3:04 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

What is the earliest date when the fixed rate forecast becomes more or less accurate? Will it be a couple weeks before May 1st? I want to set up a reminder for myself so I don't miss the narrow window to buy at the current rate if the announced May rate will be lower. Alas, the fixed rate is usuall...
by foglifter
Thu Nov 16, 2023 12:12 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

What is the earliest date when the fixed rate forecast becomes more or less accurate? Will it be a couple weeks before May 1st? I want to set up a reminder for myself so I don't miss the narrow window to buy at the current rate if the announced May rate will be lower.
by foglifter
Wed Nov 01, 2023 2:58 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

I'm thinking about selling my older bonds with 0% fixed rate and buy the new ones next year. I don't see much sense in keeping them as they will have that fixed rate of 0% until maturity.
by foglifter
Tue Oct 31, 2023 7:19 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

I'm going to wait until mid- or late-April to make a decision. That's a good idea, I'll do the same. Who knows if the fixed rate will go even higher on May 1st. Waiting until next year then passes your $10,000 available to purchase for 2023? Why not do both? I already bought my 2023 quota in April....
by foglifter
Tue Oct 31, 2023 6:39 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

ochotona wrote:
Tue Oct 31, 2023 3:47 pm
I'm going to wait until mid- or late-April to make a decision.
That's a good idea, I'll do the same. Who knows if the fixed rate will go even higher on May 1st.
by foglifter
Tue Oct 31, 2023 6:38 pm
Forum: Cash
Topic: I-Bond fixed rate rises to 1.3%, highest in more than 16 years
Replies: 24
Views: 31127

Re: I-Bond fixed rate rises to 1.3%, highest in more than 16 years

The reason I have an issue with it is that they're not really comparable investments. I-Bonds can only be held in taxable and TIPS are best held in Roth or tIRA accounts. No need to compare the two, at least in my mind. Anyway, I like both. I think if you elect to postpone tax on interest until red...
by foglifter
Thu Oct 19, 2023 6:34 pm
Forum: Bonds
Topic: Just made a purchase at 5.088 for 30 year LTTs
Replies: 3
Views: 3476

Re: Just made a purchase at 5.088 for 30 year LTTs

Its hard to buy something that nobody wants! You are a brave guy! I keep thinking about adding more LTTs into my all-in-the-red positions I opened in 2019. The bond king Gundlach thinks this is a good time to buy, albeit he calls it a short-term trade - well, he's certainly not a buy-and-hold inves...
by foglifter
Sun Oct 15, 2023 11:29 pm
Forum: Stocks
Topic: Small Cap Value seems cheap at the moment
Replies: 23
Views: 25189

Re: Small Cap Value seems cheap at the moment

I have VBR in my portfolio but would add a different ETF if I find something better. BTW technically VBR is more of a mid/small cap value fund as it has 32% in mid caps and 34% in SCV. So when you compare SCV funds it's important to watch the capitalization weights. AVUV has only 4% in midcaps and ...
by foglifter
Sun Oct 15, 2023 8:49 pm
Forum: Stocks
Topic: Small Cap Value seems cheap at the moment
Replies: 23
Views: 25189

Re: Small Cap Value seems cheap at the moment

Which small cap value fund are you in? And feel free to throw out any growth fund you think are good. But I am trying to stay disciplined and stick to a golden butterfly. Especially after this article by Tyler. https://portfoliocharts.com/2021/12/16/three-secret-ingredients-of-the-most-efficient-po...
by foglifter
Sat Jan 28, 2023 11:19 pm
Forum: Stocks
Topic: Permanent Broker
Replies: 20
Views: 6799

Re: Permanent Broker

Is it easy to see purchase history IE price paid date of purchase and current price. And are you able to sell specific shares? Yes, you click on the ticker in the list of positions in the account and it will open the purchase history with dates, cost basis, current value etc. https://i.postimg.cc/X...
by foglifter
Sat Jan 28, 2023 8:03 pm
Forum: Stocks
Topic: Permanent Broker
Replies: 20
Views: 6799

Re: Permanent Broker

I vouch for Fidelity with both hands. They offer tons of stuff including cash management account (it's a brokerage account with FDIC-insured core scattered over multiple banks and it includes debit card), HSA account where you can buy anything, good cash back credit card, excellent US-based customer...
by foglifter
Tue Jan 03, 2023 4:27 pm
Forum: Stocks
Topic: SCV in the GB
Replies: 8
Views: 4817

Re: SCV in the GB

Some additional options are SLYV and IJS. They are both "S&P 600 Small Cap Value" ETFs. +1 on SLYV and IJS. I also use AVUV, which seems to be gaining interest (AUM reached 4.8B) and sports a fairly low ER of 0.25%. There are several topics on Avantis ETFs on Bogleheads. Personally, I decided to us...
by foglifter
Fri Dec 30, 2022 5:31 pm
Forum: Permanent Portfolio Discussion
Topic: 2022 Returns
Replies: 44
Views: 21273

Re: 2022 Returns

My slightly modified GB is down -8.92%. I use AVUV for small caps and my equity bucket is about 50%.
by foglifter
Sat Dec 03, 2022 12:04 pm
Forum: Cash
Topic: Vanguard has FDIC insured settlement account
Replies: 4
Views: 1834

Re: Vanguard has FDIC insured settlement account

Regardless that they have this, I like Fidelity's approach better. Their cash management has far better features, albeit with less yield than Vanguard due to higher fees. Second that, even though Fidelity's MM funds have higher ER right now they are still competitive. I use their Treasury only MM f...
by foglifter
Mon Oct 03, 2022 7:38 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11663

Re: TBills as "the best horse at the glue factory?"

I did what dualstow did: 3 month autorolled T bills in my Fidelity investment account, in 3 aliquots roughly 1 month apart. Figuring I'll add to it as new cash comes in. Sophie, it's good to hear from you! I hope you don't mind a question: do you buy T bills on the secondary market or at the auctio...
by foglifter
Sat Sep 10, 2022 6:38 pm
Forum: Permanent Portfolio Discussion
Topic: 2nd asset in tax deferred?
Replies: 17
Views: 4321

Re: 2nd asset in tax deferred?

It's a self employed 401k, so I can buy anything you normally could with a Fidelity account. I also have an inherited IRA that I must withdraw within 10 years. That's awesome! You can also consider gold ETFs, I personally use SGOL as it has probably the lowest ER and the gold is based in Switzerlan...
by foglifter
Wed Apr 13, 2022 1:45 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1139
Views: 800529

Re: Putin Invades Ukraine II

Excerpt from Glenn Greenwald's article today on censorship & propaganda in this war. I don't have a link, it's on Substack though. I just get an email with no link. On one hand, I get the de-platforming of RT News and Sputnik. But on the other, it feels sinister. If one wishes to be exposed to news...
by foglifter
Sat Apr 09, 2022 4:43 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1139
Views: 800529

Re: Putin Invades Ukraine II

I wish Biden would call up Zelinsky and tell him to end the war. 72 hours later it would be over (IMHO). But the US and Europe would have to eat some crow. Give up some regions, reverse sanctions, return seized stuff. Shake Putins hand, retract war criminal statements, remove Ukraine from considera...
by foglifter
Sat Apr 09, 2022 3:55 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1139
Views: 800529

Re: Putin Invades Ukraine II

Apologies of someone has mentioned this already. I feel like we are accelerating the death of a golden goose (reserve currency status). Russia, India, China, ASEAN countries, Saudi Arabia. Not sure if any of these countries will really need us in a few years. The US and Europe are losing their prod...
by foglifter
Sat Mar 26, 2022 6:28 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1139
Views: 800529

Re: Putin Invades Ukraine II

… I had much more to say, but will keep that for other posts if we talk about more specific topics. I'm open to questions. One question I’d like to ask: do you lean more toward the notion that Russians are suffering defeat or that this is just a brief setback and that they are going to “turn up the...
by foglifter
Sat Mar 26, 2022 4:43 pm
Forum: Politics
Topic: Putin Invades Ukraine II
Replies: 1139
Views: 800529

Re: Putin Invades Ukraine II

What a fascinating post, Foglifter! If my post knocks the thread to a new page, I'll copy your post in its entirety so it's that the top. Some of the things you mentioned have been covered, like the Oliver Stone Ukraine on Fire film and some of the NATO stuff, but it's great to hear about your pers...