This post is about US-based PP, so "international" means ex-US equities. The question of adding foreign stocks into PP was discussed many times and I don't want to resurrect the beast again. Let's assume we decided that we want to add some international exposure. Now, given high correlatio...

I'm sorry if my question sounds dumb... can someone please explain what the heck is going on with gold? Multiple currencies are falling, equities are down, dollar is up, but why is gold dropping? Is gold still working as it's supposed to in HBPP?

Fidelity's recent big move included an icing on the cake that hasn't gotten the same level of publicity as their new zero-fee funds - the dramatic expansion of the list of commission-free ETFs. They bumped it up to 240 from 70.

And here's the good news for PP investors: IAU is on the list.

So, Fidelity dropped minimum purchase requirement and reduced the expense ratios to the same value for both Premium and Investor versions of their index funds. Would it not be logical to merge Premium and Investor funds now that there is no difference between them? Also, now that FZROX is open for i...

Tyler, you're not alone! I have 2 GB-ish (or should I say GB-esque :D ) portfolios, both in retirement accounts. I've become comfortable with using GB in lieu of classic HBPP and I do understand the differences. For me GB seems to be a decent compromise between classic PP and Bogleheads-type allocat...

I used the new transfer form to snarf funds from my employer (Optum) account. It was super easy, just had to provide the account info online and then e-sign it, then the funds magically appeared. No fee that I'm aware of from Optum, but I was careful to leave some money in the account to prevent th...

Nice, thanks ochotona! Gives me a bit of incentive to tackle the periodic Optum to Lively transfer (my employer uses Optum). Has anyone tried this yet? I remember someone else's employer uses Optum. My employer uses Optum and while I haven't tried recurring transfers I did a couple of manual transf...

Oops, the article hides behind the paywall...

buddtholomew wrote:I’m on the other side of the coin.
Raise your equity allocation to at least 25%.
Sometimes you need to be aggressive to be conservative.

This is a gem, thanks Budd. I may consider making it a signature.

foglifter, if the added cash doesn't put you over your rebalancing bands, why do anything? Just leave in cash until you do an annual rebalance or because of some asset going up or down through a band? The thing is even with added cash I'm still looking at an oversized heap of LTTs. Everything right...

Foglifter, I'm confused... Whether you're running a Golden Butterfly or a 25x4 PP, your portfolio needs to be rebalanced. It's not just about the new cash. You don't know if the pundits are right or not. It could be that stocks are headed for decline, or this could be a great buying opportunity bec...

> Just stick to the strategy, it was designed so you don't have to make these decisions What fun is that. We want to hand-wring. So! I'm debating DBA - http://www.etf.com/DBA Low correlation and beaten up IBB: http://www.etf.com/IBB Low correlation and I want to support biotech. But PE -72? PXH: ht...

One of my GB portfolios just got an influx of cash as I made a 2017 IRA contribution. The current allocation is 17 stocks/41 bonds/20 cash/22 gold. With stocks supposedly overvalued I don't feel like I'm ready to hold my nose and buy stocks (the lagging asset) as many pundits say US equities will ha...

I've moved my HSA from HSA Bank to Lively in January and can confirm all the positive feedback MangoMan shared. Lively is located in San Francisco and the phone/email support is excellent. They are working to make their already great website even more functional to simplify transfers that involve br...

By noticing that the PP since 1987 showed up with a 5% CAGR, which didn't seem correct, so I looked at the components individually (yes I checked I had the right #s in the right places) and gold wasn't behaving like it should. It was a strange result - can't reproduce it now but there was no bump i...

BTW be careful about selecting "Gold" in portfoliovisualizer.com. I think it's actually gold mining stocks. I got horrid results for the PP when I played with its backtesting, which may explain some of the negative comments on the board lately about long term performance. When I looked at...

GB seems to perform better since 1986:

I used PRPFX in the past, but eventually switched to GB. I guess now that PERM is closed this forum can be renamed to "Permanent Portfolio Fund".

Been a while since I've looked at PRPFX. I think interest in this fund has waned quite a bit around here. Anyways the fund is doing relatively well. I took a look today after checking my own PP (up around 10% ytd). PERM is having a good year as well Ouch, PERM is gone! http://www.etf.com/sections/d...

Why does being in California matter as to what investments you buy inside the HSA? California is one of 3 states that don't comply with the federal law regarding HSAs. Both contribution and earnings are taxed at the state level. Interest paid by Treasury bonds is exempt from state taxes. https://ww...

I have my HSA brokerage account at TDA and being a CA resident I only held Treasury bond ETFs EDV and IEI (to mimic the supposedly "bad" share-lending TLT) to avoid state tax. Turns out SPLT is a good and cheaper (0.06%) replacement for both EDV and TLT. Higher trading volume than EDV is ...

Ack. Thanks for letting us know! I pulled up the list. The news is not good, as there are few commission free choices with low expense ratios. The SPDRA funds (stocks) have decent expense ratios, but I'd have to check them out in detail before switching. BIL should work for cash (1-3 month T bills)...

Another interesting ETF with even lower ER of 0.25% is Meb Faber's GAA: http://beta.morningstar.com/etfs/BATS/GAA/quote.html The problem with these niche products is they may or may not gain interest and the bid/ask ratio is high due to tiny trade volume. It'll be interesting to see how VMOT will b...

I feel like I'm missing something here... why do we need to mess with Linux? I have my Google sheets with conditional formatting, so I know I need to rebalance if the cell turns red. I could add a script that would run daily/hourly/whatever and send me rebalancing alerts, but so far rebalancing has...

I feel like I'm missing something here... why do we need to mess with Linux? I think it's so you really don't have to look. You don't even have to check to see if the cells turn red. Plus, it's a pretty cool exercise. Certainly agree on the coolness factor. I must be too tired of dealing with compu...