Search found 243 matches

by eufo
Thu Mar 23, 2017 9:52 pm
Forum: Permanent Portfolio Discussion
Topic: Integrating retirement fund into PP
Replies: 8
Views: 3780

Re: Integrating retirement fund into PP

Unfortunately, its either all cash or all the default fund. Yipes! That's just horrible. Given the all-in nature, I think going all cash assets in that account is your best bet, since the default fund is a real wild card. The remainder of your assets outside the account could go to everything else ...
by eufo
Thu Mar 23, 2017 9:29 pm
Forum: Stocks
Topic: Emerging Markets
Replies: 21
Views: 13473

Re: Emerging Markets

Also, he speaks of recency, but most EM are up substantially as of "recent", so explain to me how recency might make someone avoid EM. Bah, the whole article just gets me riled up! >:( Rather than getting riled, you may want to read the article again. :) The second mistake is that investors are sub...
by eufo
Thu Mar 23, 2017 9:02 pm
Forum: Stocks
Topic: Emerging Markets
Replies: 21
Views: 13473

Re: Emerging Markets

Emerging markets are a fine component to a portfolio in the right dosage. But the more I read Swedroe extol the virtues of valuations and expected returns, it strikes me that despite the one passive portfolio named after him he's really not a passive investor at all. Adviser gonna advise. Yes, he h...
by eufo
Thu Mar 23, 2017 8:44 pm
Forum: Permanent Portfolio Discussion
Topic: Integrating retirement fund into PP
Replies: 8
Views: 3780

Re: Integrating retirement fund into PP

Can you split it up? Say 75% in the default fund and 25% cash? That might be your closest bet. Auto rebalance, if possible.

Once you have access to the funds without penalty, withdraw and put them to use where you really want.
by eufo
Wed Mar 22, 2017 10:12 pm
Forum: Stocks
Topic: How many funds?
Replies: 11
Views: 7030

Re: How many funds?

When I started PP I used VTI.

25% VTI (Total Stock Market)
25% TLT (Long Term Treasuries)
25% SHY (Short Term Treasuries)
25% IAU (Gold)
by eufo
Wed Mar 22, 2017 8:53 pm
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 166
Views: 49607

Re: Nobody believes in the Permanent Portfolio

I think the point in your first paragraph is critical. When the market plunges, there are often other bad events going on, including job loss. So it's not always the case that investors "panic" and sell in downturns (though they often do); some sell because they simply need the money. The HBPP with...
by eufo
Wed Mar 22, 2017 8:37 pm
Forum: Stocks
Topic: Schwab S&P500 Mutual Fund has 0.03% expense ratio, trades for free
Replies: 9
Views: 10170

Re: Schwab S&P500 Mutual Fund has 0.03% expense ratio, trades for free

iShares IVV gives you an ETF option for S&P500 currently at 0.04% ER. http://etfdb.com/etf/IVV/

Competition has definitely been a good thing for us little guys! ;)
by eufo
Wed Mar 22, 2017 8:12 pm
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 166
Views: 49607

Re: Nobody believes in the Permanent Portfolio

I do think it's kind of funny that the OP's friend thinks we're doomers but he's all in CD's. Not exactly a bet on prosperity. Ha! Good point. There's a point I haven't seen mentioned here, but when those doom days happen, it's way more than discipline you need to avoid selling your equities. Most ...
by eufo
Sun Feb 19, 2017 7:20 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 46
Views: 18675

Re: New to Permanent Portfolio

With regards to my earlier statement about preference to narrower bands to capture gains... let me put some qualifiers on that. My calculations were based on a non-taxable account using commission free ETFs. Taxable accounts or situations that would involve a lot of friction (trading fees) should b...
by eufo
Sat Feb 18, 2017 8:41 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 46
Views: 18675

Re: New to Permanent Portfolio

With regards to my earlier statement about preference to narrower bands to capture gains... let me put some qualifiers on that. My calculations were based on a non-taxable account using commission free ETFs. Taxable accounts or situations that would involve a lot of friction (trading fees) should be...
by eufo
Tue Dec 13, 2016 9:12 pm
Forum: Permanent Portfolio Discussion
Topic: New to Permanent Portfolio
Replies: 46
Views: 18675

Re: New to Permanent Portfolio

Whether the bands should be wider or narrower depends a lot on price action that cannot be determined in advance. We can curve fit to the past, but it won't indicate what will work best moving forward. Obviously the best time to rebalance would be right when the prices are about to reverse, but one ...
by eufo
Sun Dec 11, 2016 11:50 am
Forum: Permanent Portfolio Discussion
Topic: Age tilting the PP
Replies: 17
Views: 8836

Re: Age tilting the PP

I'm fairly new to PP, but this idea seems to fly in the face of what the PP is supposed to be... a stable place to put your savings where you should see real returns during most economic events so you'll be financially stable. Just because someone is young doesn't mean they need more exposure to ris...