Search found 2066 matches

by Tyler
Sat Apr 01, 2023 10:23 pm
Forum: Other Discussions
Topic: How much to save for retirement
Replies: 101
Views: 74090

Re: How much to save for retirement

I took a peek through the report you linked to, and it still cites figures by account balance, not total of all accounts per person. For example see this sentence: "The average account balance of those families owning IA plans increased from $79,262 in 1992 to $258,453 in 2019." I found similar lan...
by Tyler
Sat Apr 01, 2023 2:21 pm
Forum: Other Discussions
Topic: How much to save for retirement
Replies: 101
Views: 74090

Re: How much to save for retirement

The bad news is that I think you're overestimating the amount of savings the median person has. I think I found the WSJ article you're referencing, and the $266k figure is the median family net worth for the age range of 65-74. That includes not only all accounts but also home equity. According to t...
by Tyler
Mon Mar 27, 2023 9:00 pm
Forum: Variable Portfolio Discussion
Topic: in depth review of golden butterfly
Replies: 21
Views: 12496

Re: in depth review of golden butterfly

Thanks for spreading the word! I'm no Harry Browne, but I imagine he might say that the portfolio is designed to capture the flow of money out of equities rather than capture the flow of equities money out of the country. That said, I don't have a problem with anyone who feels strongly about global ...
by Tyler
Mon Mar 27, 2023 10:09 am
Forum: Variable Portfolio Discussion
Topic: in depth review of golden butterfly
Replies: 21
Views: 12496

Re: in depth review of golden butterfly

mathjak107 wrote:
Mon Mar 27, 2023 4:31 am
i guess you have never seen this site before ?
It's new to me, and your link is the first time I've seen it. Thanks for sharing!
by Tyler
Sun Mar 26, 2023 10:31 am
Forum: Variable Portfolio Discussion
Topic: in depth review of golden butterfly
Replies: 21
Views: 12496

Re: in depth review of golden butterfly

Yeah, that looks like a good example of classic SEO farming where the main goal is keyword density -- even moreso than accuracy. 2) It starts with: "The Golden Butterfly Portfolio by Tyler portfolio" and then later on has: "The Golden Butterfly Portfolio is a relatively new investment strategy, havi...
by Tyler
Wed Mar 15, 2023 1:19 pm
Forum: Other Discussions
Topic: Silicon Valley Bank Failure
Replies: 130
Views: 345423

Re: Silicon Valley Bank Failure

jalanlong wrote:
Wed Mar 15, 2023 11:58 am
Check the date on this:

Speaking of the wise authors at Forbes, I like this idea from PensionCraft.

https://twitter.com/PensionCraft/status ... 0347991043

;D
by Tyler
Mon Mar 13, 2023 4:45 pm
Forum: Permanent Portfolio Discussion
Topic: portfolio charts
Replies: 3
Views: 1198

Re: portfolio charts

Everything seems to be working on my end. The first thing I would try is just hitting refresh a few times. If that doesn't work, you might try clearing your cookies. If it just started today, it's also possible that it's a regional Microsoft thing that may resolve itself in a few hours. Let me know ...
by Tyler
Thu Mar 09, 2023 10:28 am
Forum: Permanent Portfolio Discussion
Topic: Dragon Portfolio
Replies: 23
Views: 9630

Re: Dragon Portfolio

It was recently brought to my attention that Artemis Capital Management (the firm run by Chris Cole that promoted the Dragon Portfolio) appears to have closed shop. If you go to their website , most of the pages are empty and even the famous "The Allegory of the Hawk and the Serpent" paper points to...
by Tyler
Tue Mar 07, 2023 12:47 pm
Forum: Stocks
Topic: SCV in the GB
Replies: 8
Views: 4874

Re: SCV in the GB

With regard to the Portfolio Charts fund recommendations, I wouldn't necessarily interpret the Fund Finder as a comprehensive list or even my judgment of what makes a "good" SCV methodology. In order to make sure that the charts set proper expectations, I tend to prioritize funds that should track m...
by Tyler
Fri Jan 27, 2023 10:32 am
Forum: Permanent Portfolio Discussion
Topic: 2022 Returns
Replies: 44
Views: 21945

Re: 2022 Returns

I measured the PP with a real return (including inflation) that was down a little more than 18%. Yes, that's the worst year I have on record since 1970. That may not sound very good until you realize that it was still in the top third of all portfolio options and still quite tame compared to other a...
by Tyler
Thu Jan 05, 2023 7:06 pm
Forum: Other Discussions
Topic: WiFi Extender?
Replies: 20
Views: 2556

Re: WiFi Extender?

I got a set of TP-Link Deco units to set up a wifi mesh and it's awesome. Super easy to set up. Highly recommended.
by Tyler
Tue Dec 13, 2022 4:11 pm
Forum: Gold
Topic: Another Gold ETF post
Replies: 29
Views: 9937

Re: Another Gold ETF post

Agree with the general feeling on a Chinese holding company. However, I think the location, local laws in effect and the auditing/auditor is probably more important. If the vault is in the US or UK with a western auditing firm I'm not that concerned. Move the vault to Bejing, use a non-western Euro...
by Tyler
Tue Dec 13, 2022 2:33 pm
Forum: Gold
Topic: Another Gold ETF post
Replies: 29
Views: 9937

Re: Another Gold ETF post

The one thing that hangs me up on IAUM is the trading volume. According to etf.com, the median daily trading volume for IAUM is just $2.7mm. For reference, GLDM trades $48mm per day. Not that I have anywhere near that level of gold, but whenever a reasonable position by a small-time individual inves...
by Tyler
Fri Dec 09, 2022 7:24 pm
Forum: Gold
Topic: Another Gold ETF post
Replies: 29
Views: 9937

Re: Another Gold ETF post

Nice research! I appreciate all the info.
by Tyler
Sat Nov 12, 2022 11:31 pm
Forum: Gold
Topic: Another Gold ETF post
Replies: 29
Views: 9937

Re: Another Gold ETF post

What I like about SGOL is: 1) Its custodian isnt a chinese bank 2) Gold is split between london and switzerland giving some diversity 3) They publish an inventory of bars own, including serial numbers periodically 4) they publish vault inspection reports. GLDM has none of these. SGOL is a good fund...
by Tyler
Mon Nov 07, 2022 10:57 am
Forum: Other Discussions
Topic: Finance Books for Free
Replies: 17
Views: 3339

Re: Finance Books for Free

Vil wrote:
Mon Nov 07, 2022 1:26 am
You see the enormous impact of posting here... ;D Holy crap.
I guess we now know that there's at least one Fed who is a fan of the Permanent Portfolio. 8)
by Tyler
Sat Nov 05, 2022 8:57 am
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 53
Views: 37466

Re: Non-ESG ETFs

I don't know how they were able to pick out me, selling my Vanguard/Blackrock funds because of their proxy voting habits, among all the market turmoil but YOU'RE WELCOME EVERYONE. The hero we need. 8) I'm also thankful for this thread for pushing me over the edge to trade out of a few Blackrock fun...
by Tyler
Fri Nov 04, 2022 10:12 am
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 53
Views: 37466

Re: Non-ESG ETFs

It looks like things are actually moving in the right direction on the voting rights front. Vanguard just announced a pilot program that allows retail investors to have proper voting power with their shares. https://www.etfstream.com/news/vanguard-to-pilot-voting-rights-for-retail-investors-in-chall...
by Tyler
Wed Oct 26, 2022 1:02 pm
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 53
Views: 37466

Re: Non-ESG ETFs

The problem with BlackRock is not that they offer ESG funds for people who care about those things and want to support them with their own money. Just like paying more for organic produce that is fundamentally the same product, people can pay more for ESG funds if they like. To each his own. The dee...
by Tyler
Fri Oct 21, 2022 3:34 pm
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 53
Views: 37466

Re: Non-ESG ETFs

Plenty of gold alternatives out there. Schwab has SGOL which I've used. TLT is the toughest one to replace, probably. GLDM (State Street) is currently the cheapest gold ETF option with a 0.10 ER. For LT treasuries, I really want to like SCHQ (Schwab) because of the very low 0.03 ER. The only thing ...
by Tyler
Thu Oct 20, 2022 5:40 pm
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 53
Views: 37466

Re: Non-ESG ETFs

Are there altenative ETFs that are not into the ESG movement? I've also thought about this, but the trick is finding an alternative that isn't doing something similar. Look past the marketing materials and self-serving platitudes of a guy like Larry Fink, and when you get down to it providers are l...
by Tyler
Tue Oct 04, 2022 11:49 am
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11825

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

Well I certainly appreciate you taking the time to politely engage with that often-brilliant but even-more-often-curmudgeonly crowd @ Bogleheads Tyler. Let me know if you ever don't want me to post links to Portfolio Charts articles over there; I fear driving more traffic to your site and turning s...
by Tyler
Mon Oct 03, 2022 10:13 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11825

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

For anyone who wants to go further down the rabbit hole with TIPS I posted Tyler's blog post on Bogleheads and there's a good bit of discussion there (with Tyler participating). I especially recommend the posts from vineviz, who may be the single most savvy bond expert (among many) on that forum: h...
by Tyler
Tue Sep 27, 2022 3:06 pm
Forum: Bonds
Topic: TIPS vs. the PP Barbell or iBonds: No Contest
Replies: 23
Views: 4307

Re: TIPS vs. the PP Barbell or iBonds: No Contest

Tyler, where’s the best place to alert you to typos? I found one at Looking Deeper - Going back to the TIPS mechanics we discussed, if you hold a bond to maturity then you get the full original principal pack Crowdsourced editing FTW. Thanks! But what I didn't fully appreciate until reading your ne...
by Tyler
Tue Sep 27, 2022 2:33 pm
Forum: Bonds
Topic: TIPS vs. the PP Barbell or iBonds: No Contest
Replies: 23
Views: 4307

Re: TIPS vs. the PP Barbell or iBonds: No Contest

My contention that there is asymmetric risk in the decision to allocate one's fixed income in nominal bonds, such as TBM, or inflation-linked bonds, such as TIPS. With individual TIPS held to maturity , their real return known with precision at the time of purchase. There is no risk to the future b...