it’s working again , thanks

i cant get the portfolio charts heat maps to display on any device including my desk top .

anyone else having an issue ?

joypog wrote: ↑Tue Mar 07, 2023 8:32 am

Vil wrote: ↑Tue Mar 07, 2023 6:44 am but still kind of flat-ish overall...

Isn't that kind of the point of the HBPP?

not really , the point is to stay a head of inflation with perhaps a bit of extra growth .

flat is not good , especially if retired and taking inflation adjusted draws .

it’s the best way to fail

gold is a competitor to the dollar so a dollar can wipe away golds moves the same as it can wipe away gains in international stocks .

it is only a hedge if the inflation is causing the dollar to weaken , which it has not.

gold did a good job in india up 68% since 2020 but it hasn’t done a good. job in dollars since we saw this spike

all brokerages hold your holdings in street name if you have a brokerage account . that is so you don’t have to keep sending stock certificates. SIPC insurance applies to brokerage ACCOUNTS . firms that still offer mutual fund accounts like fidelity and vanguard don’t need or have sipc on mutual fun...

Gold continues to be a non-fiat global currency that the US dollar aspires to peg to, but that periodically has and likely will continue fail to do so reliably. Chances are that as/when divergence occurs that they will move in opposite directions. Yellen has been attempting to at least in part alig...

Gold got crushed by the dollar .

Looking at gold in India it is up something like 68% since 2020 in their currency.


I strongly recommend watching the kitces video if anyone has an interest in safe withdrawal rates

Gold today is a very different animal … Prior to the ETFs gold was not a main stream investment for the public ….. it was the play area of doomsayers , speculators and Central banks . The last two decades have seen very different performance and interaction with gold as it was able to be bought and ...

30 year outcomes , are fairly decent , really nothing out of the ordinary 1907 stocks returned 7.77% -- bonds 4.250-- rebalanced portfolio 7.02- - inflation 1.64-- 1929 stocks 8.19% - - bonds 1.74%-- rebalanced portfolio 6.28-- inflation 1.69-- 1937 stocks 10.12 - - bonds 2.13 - rebalanced portfolio...

Kitces recommends at least 2% since you can end the 30th year with a buck with lower returns and they pass . So I prefer to monitor in real time shooting for at least 2% . Also every failure looked fine over 30 years ..however they all spend down to far trying to meet spending within the first 15 ye...

1934 still missed the worst outcomes in 1907 , 1929 so again not an apples to apples comparison as bengen defined it as including 1929 and capturing the wild up years first by starting in 1926 . There is a reason both bengen and also the trinity study started at 1926 Kitces recommends starting at 4%...

I would start at no more then 4% ….then see how things go over time

Not the case . We have discussed this here over and over .the term safe withdrawal rate is based on very specific dates . The last date was 1965/1966 that was a worst case scenario . If one stress tests after 1966 it is not being compared against what the term means …Monte Carlo simulation tries to...

a 5% draw has failed to many times already to be a starting point...it is not considered a safe withdrawal rate at below 90% FIRECalc looked at the 122 possible 30 year periods in the available data, starting with a portfolio of $1,000,000 and spending your specified amounts each year thereafter. He...

I no longer want to own physical gold ..I did it once and it was to much of a headache storing it ..I use it strictly as a trading vehicle

Gold flys cover for all 3 portfolios and is about 15%… Like the pp I keep it about 25% of my income model but if I look at all 3 as a whole it’s about 15%, so spread out it is a lot smaller position …. Gold is like the added outsider as it really isn’t in any of them ..I just added it along for the ...

I would say that the opposite has been demonstrated by the dividend payers They can be very irresponsible with corporate money if only that would be the case but corporate stupidity is not isolated because stocks pay dividends . these stocks can squander more money than their non div payer relatives...

Bottom line is there is no difference when you pull money out either way . Total return always is the guiding force as to how much you can take and there is no difference in down markets doing it via dividends or not . You may prefer one way or another but to make a claim dividends are better becaus...

…just because a person may have a portfolio of non div payers why are you assuming they would be selling equities in a down market ? If someone is generating income it is highly unlikely they are 100% equities or they would have to have nerves of steel ..highly unlikely the same person is selling ev...

It is amazing how the getting paid to wait myth just doesn’t die.. Every retiree that draws an income is getting paid regardless of markets but every penny spent means that much less being acted on by markets because like any money coming out there is a price to pay for that withdrawal…markets alway...

So as an example of why there is no such thing as you recover the dividend pulled out. Look at xom , Exxon since 2000 With dividends put back, you have your original amount back after each payment is taken out , so you have 10k worth 59,082 today . If we spend those dividends you have 28,800 . You c...

There's not anything wrong with applying some investor psychology to yourself and realizing that you appreciate dividends and that they help you ignore price swings. Except what You have is called the empowers new clothes … While investor mental behavior is a good thing , believing one’s own bull s...

But your investment is being d sold off ..every dividend has your portfolio value reduced by the same amount paid out . The company selling off a piece of your share price is no different than you selling equal dollars off your portfolio via share or piece of a share since you can now buy and sell ...

But your investment is being d sold off ..every dividend has your portfolio value reduced by the same amount paid out . The company selling off a piece of your share price is no different than you selling equal dollars off your portfolio via share or piece of a share since you can now buy and sell f...