Search found 243 matches

by eufo
Sat May 27, 2017 10:58 am
Forum: Cash
Topic: Understanding Cash Will Make You a Happier Investor (Tyler)
Replies: 41
Views: 32380

Re: Understanding Cash Will Make You a Happier Investor (Tyler)

BTW, several of the people who looked into modeling TIPS left the exercise swearing them off with their own money. Wow, that is very telling about TIPS. I remember liking the concept of protection against inflation in a bond, but I never really cared for their ultimate performance. Plus, the conspi...
by eufo
Mon May 22, 2017 5:08 pm
Forum: Permanent Portfolio Discussion
Topic: Passive vs Active Investing, and role of the PP
Replies: 44
Views: 26296

Re: Passive vs Active Investing, and role of the PP

Found this article today that says some states are beginning to declare passive investment accounts as abandoned and taking the money for themselves. http://www.investmentnews.com/article/20170512/FREE/170519958/states-scoop-up-investment-accounts-as-unclaimed-property?X-IgnoreUserAgent=1 I feel li...
by eufo
Sat May 20, 2017 11:12 am
Forum: Permanent Portfolio Discussion
Topic: Passive vs Active Investing, and role of the PP
Replies: 44
Views: 26296

Re: Passive vs Active Investing, and role of the PP

sophie wrote:I think I defined active vs passive already. Passive = trading in order to maintain a pre-set asset allocation. Active = buying and selling in response to an individual's prediction of future market trends. Agreed?
This pretty much nails it.
by eufo
Thu May 18, 2017 8:20 am
Forum: Cash
Topic: Understanding Cash Will Make You a Happier Investor (Tyler)
Replies: 41
Views: 32380

Re: Understanding Cash Will Make You a Happier Investor (Tyler)

Banks should be ashamed of themselves...interest rates have barely budged despite the jump in Treasuries. Agree. Chase keeps sending me a deal for $200 to deposit $15,000 into one of their savings accounts and leave it for 90 days. It's actually a good deal except that I will have to pretty much in...
by eufo
Tue May 16, 2017 6:43 pm
Forum: Other Discussions
Topic: Post-Trump fate of the white working class
Replies: 1
Views: 1715

Re: Post-Trump fate of the white working class

The middle class is being obliterated... but that has nothing to do with elected officials. It's been a process going on for decades under both parties. It's fun to pick teams, but both teams are out to get us!
by eufo
Sun May 14, 2017 6:49 pm
Forum: Permanent Portfolio Discussion
Topic: An Alternative Explanation for the Permanent Portfolio
Replies: 12
Views: 10362

Re: An Alternative Explanation for the Permanent Portfolio

This post is very timely from my own perspective. I was thinking about a kind of reverse look at our economic situation by studying what the different asset classes were doing. For example, when gold, stocks, and bonds are all falling, we're seeing "money tightening". I'd like to cover all 8 possibl...
by eufo
Thu May 11, 2017 10:20 pm
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70049

Re: Bitcoin Costs More than Gold?

Lol! Hey, at least it's still around in the year 3000, right?
by eufo
Thu May 11, 2017 10:18 pm
Forum: Permanent Portfolio Discussion
Topic: Stocks, bonds, and gold have all returned 6.3% annualized over the last 10 years!
Replies: 16
Views: 10835

Re: Stocks, bonds, and gold have all returned 6.3% annualized over the last 10 years!

Pet Hog wrote:I'm expecting a bumper next five years to revert us to the mean!
Here's hoping...
by eufo
Wed May 10, 2017 7:32 pm
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70049

Re: Bitcoin Costs More than Gold?

Bitcoin is an interesting idea, but I will never use it. I see the appeal, I guess, but it's been around a long time now with very little adoption. Even Discover is accepted more places. :P
by eufo
Thu Apr 27, 2017 8:44 pm
Forum: Cash
Topic: 3% APY for 7 year CDs
Replies: 18
Views: 19959

Re: 3% APY for 7 year CDs

Unless I'm reading things wrong... it looks like the rates are down to 2.2% APY... hope some were able to nab that 3% APY.
by eufo
Tue Apr 18, 2017 10:17 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

Re: James Rickards Portfolio

The financial press (advertising) is no different than any other commercial news source with paying advertisers...bad news sells. He's selling doom porn. Good for his bottom line, likely not the best for yours. A pittance for an excellent read/listen about the history of markets, central banks, gho...
by eufo
Tue Apr 18, 2017 8:16 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

Re: James Rickards Portfolio

Hal is right that Rickards always seems to be preaching to the super wealthy. Not many have the means (or knowhow) to just go out and buy high-quality commercial real estate and works of art. I have read Currency Wars and watched a couple of Rickards things on youtube. He's always preaching doom an...
by eufo
Tue Apr 18, 2017 8:13 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

Re: James Rickards Portfolio

Well, it looks like the allocations may have changed. In the "Road to Ruin" book he advises Gold and Silver - 10% Cash (some in physical notes) - 30% Real Estate (Agricultural or income producing)-20% Fine Art Fund- 5% Angel and Venture Capital 10% Hedge Funds 5% High Quality Sovereign Bonds 10% St...
by eufo
Tue Apr 18, 2017 8:05 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

Re: James Rickards Portfolio

all i can say is if i followed that model ,except for possibly the prime land doing well , odds are i could never have had enough to retire . Yes, it's a very defensive portfolio that won't generate much income during normal times. I think it's more of a wealth preservation strategy. as far as my o...
by eufo
Tue Apr 18, 2017 8:01 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

Re: James Rickards Portfolio

Hello eufo, some questions that you might know :-) : "20% Gold (physical only, and not stored in a bank)" Stored where? At home? That's one possibility, yes. The idea is that it should be readily available instead of tied up in a secured location you may not end up having access to during a crisis....
by eufo
Mon Apr 17, 2017 11:31 pm
Forum: Permanent Portfolio Discussion
Topic: James Rickards Portfolio
Replies: 15
Views: 10724

James Rickards Portfolio

I've been listening to a couple of James Rickards' audiobooks recently. They're pretty damn interesting... lots of history on global finance, currency exchanges, central banks, etc. He is not fond of sovereign debt of any kind... leaving out treasuries. He also doesn't like financial stocks, emergin...
by eufo
Wed Apr 12, 2017 7:13 pm
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 163
Views: 85741

Re: Nobody believes in the Permanent Portfolio

It's always a little bittersweet when gold and bonds are strengthening. I'm currently overweight both in my long and slow transition from PP to semi-GB. Days like today feel pretty good in my brokerage account, but at what cost? I really hope peace prevails. Would be interested in what GB per cent ...
by eufo
Tue Apr 11, 2017 8:04 pm
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 163
Views: 85741

Re: Nobody believes in the Permanent Portfolio

It's always a little bittersweet when gold and bonds are strengthening. I'm currently overweight both in my long and slow transition from PP to semi-GB. Days like today feel pretty good in my brokerage account, but at what cost? I really hope peace prevails.
by eufo
Sun Apr 09, 2017 1:11 pm
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 163
Views: 85741

Re: Nobody believes in the Permanent Portfolio

I think you'd be doing your friend a favor if you talked him into selling half of his EM allocation, and buying gold. It's an OK portfolio, if he's younger. If he's over 50, he's going to have trouble when the 60% stocks and REIT lose 1/2 or more of their value in the next bear market. Indeed I wou...
by eufo
Sun Apr 09, 2017 7:54 am
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 163
Views: 85741

Re: Nobody believes in the Permanent Portfolio

He picked a portfolio I don't particularly care for Was it Sheltered Sam? No. Though I'm not fond of that either. He never gave me the name of the allocation, but it went something like this: 30% Total Stock Market 20% Total Bond Market 20% Inflation Protected Bonds (TIPS) 15% REIT 15% Emerging Mar...
by eufo
Sun Apr 09, 2017 7:23 am
Forum: Permanent Portfolio Discussion
Topic: Nobody believes in the Permanent Portfolio
Replies: 163
Views: 85741

Re: Nobody believes in the Permanent Portfolio

This post isn't about the Permanent Portfolio so much as active vs. passive investing, which most of the posts in this thread (and many others) are really about. My brother has long been a staunch believer in market timing with stocks as the best way to invest. He's also become increasingly busy, b...
by eufo
Wed Mar 29, 2017 6:32 pm
Forum: Other Discussions
Topic: What's your Myers-Briggs type?
Replies: 10
Views: 5635

Re: What's your Myers-Briggs type?

INTP here. Very interesting results.
by eufo
Sun Mar 26, 2017 3:15 pm
Forum: Stocks
Topic: iShares vs. Vanguard
Replies: 15
Views: 18316

Re: iShares vs. Vanguard

dualstow wrote:eufo, if you're going to buy large, mid AND small, why not just buy the whole market, i.e., VTI? No overlap.
According to Tyler's site, mixing the 3 blends comes out on top of the total stock market long term (8.5% vs. 7.4% average return). The research I've done seems to support that.
by eufo
Sat Mar 25, 2017 9:20 pm
Forum: Stocks
Topic: iShares vs. Vanguard
Replies: 15
Views: 18316

iShares vs. Vanguard

Ok, I'm currently investing the stock portion of my portfolio into Vanguard ETFs, but after some analysis, I'm thinking iShares looks like the better deal. I'm going to share why I think that and I'm looking for anything I may be missing here. I'm splitting my exposure into 3 parts... large/mid/smal...
by eufo
Thu Mar 23, 2017 9:52 pm
Forum: Permanent Portfolio Discussion
Topic: Integrating retirement fund into PP
Replies: 7
Views: 5414

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 ...