Search found 1959 matches

by sophie
Tue May 15, 2012 7:36 pm
Forum: Permanent Portfolio Discussion
Topic: Advice Needed
Replies: 7
Views: 3845

Re: Advice Needed

I hate to have to bring this up but....that money needs to be protected for some other very good reasons.  First, he may have future health problems from the injuries you describe - annoyances mainly, but problems nonetheless.  Second, he now has a pre-existing condition.  IMO this is Obamacare's be...
by sophie
Sat May 12, 2012 2:56 pm
Forum: Permanent Portfolio Discussion
Topic: I'm Done!
Replies: 327
Views: 144979

Re: I'm Done!

Quote from: Tortoise on May 11, 2012, 07:06:15 PM If we assume stocks, long bonds, and gold are all declining over a sustained period of time, that basically means people are piling into cash, and I would argue that prices must therefore be falling throughout the economy. But that's the definition ...
by sophie
Fri May 11, 2012 7:55 pm
Forum: Permanent Portfolio Discussion
Topic: I'm Done!
Replies: 327
Views: 144979

Re: I'm Done!

What a great thread!!!  Gumby, you should charge for your charting service. Buddtholomew, I can sympathize and so can a lot of other people here.  No one can say it isn't demoralizing to watch one's hard earned money shrinking on a daily basis. But in the grand scheme of things, is this "doing badly...
by sophie
Sat Apr 28, 2012 10:04 pm
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Re: Advice on implementing a PP in multiple retirement plans

TIAA's annuity fund is effectively an insurance plan that guarantees the principle and pays at least a given rate of interest depending on the plan (3% in this case).  How liquid is this cash?  If one of the other asset classes crashed today, how accessible would the cash be for rebalancing purpose...
by sophie
Sat Apr 28, 2012 8:25 am
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Re: Advice on implementing a PP in multiple retirement plans

I would probably go 50/50 with EDV and VUSTX.  I might even consider using just EDV.  I don't think that you should count VUSTX as cash.  It's not cash.  VFISX is a reasonable choice for cash, though. I found the answer to my question, in the long thread on the bogleheads forum: http://www.boglehea...
by sophie
Thu Apr 26, 2012 8:36 pm
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Re: Advice on implementing a PP in multiple retirement plans

TIAA's annuity fund is effectively an insurance plan that guarantees the principle and pays at least a given rate of interest depending on the plan (3% in this case).  How liquid is this cash?  If one of the other asset classes crashed today, how accessible would the cash be for rebalancing purpose...
by sophie
Wed Apr 25, 2012 8:43 pm
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Re: Advice on implementing a PP in multiple retirement plans

Thanks.  I went and looked at VUSTX more closely.  I'd thought it should behave like a combination of long term bonds and cash, because of the shorter duration, but that doesn't seem to be the case.  That must be the 20% of that fund that is something other than long treasuries.  Anyway,  I figured ...
by sophie
Tue Apr 24, 2012 7:57 pm
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Re: Advice on implementing a PP in multiple retirement plans

Thanks, that is probably pretty good advice.  Jigsaw time.  TIAA's annuity fund, by the way, serves very well for the cash allotment. I would probably go 50/50 with EDV and VUSTX.  I might even consider using just EDV.  I don't think that you should count VUSTX as cash.  It's not cash.  VFISX is a r...
by sophie
Mon Apr 23, 2012 8:47 pm
Forum: Permanent Portfolio Discussion
Topic: Advice on implementing a PP in multiple retirement plans
Replies: 10
Views: 7402

Advice on implementing a PP in multiple retirement plans

I know this topic has come up before, but can anyone offer suggestions on how to deal with some retirement account conundrums?  I've much appreciated all the thoughtful/insightful comments on this forum, and it's helped me decide to jump from holding PRPFX to converting part of my retirement portfol...