I am up 3.5% YTD. I usually have a portfolio of 25% stocks, 25% 20 year treasury bonds; 25% gold and 25% cash but went to 35% cash in mid-January when I started hearing there could be supply chain issues due to the coronavirus. Gold has been very helpful.
Couldn't agree more. I was considering FIREing this year, and had already cut back my billable hours in January and February to get a taste for working less. I was basically playing golf every morning, and working afternoons into early evening. It wasn't bad, and I was on the fence whether I...
I don't see the need for you to do so with 10 years of cash available. Why pay the extra interest on the HELOC over and above what you can earn on the CD? You are well positioned for this. Sit back and stick to your plan.
March 9, 2009 (11 years ago to the day) was the stock market bottom from the 2007 crisis. Fast forward 11 years and March 9, 2020 is Black Monday with oil dropping 30% and stock markets across the world crashing. There is fear in the streets......feels like another bottom. Who has the guts to...
Excluding debt free real estate: 25% cash; 25% bonds; 25% stock; 25% gold. Without factoring in interest, the 25% cash and 25% bonds covers about 12 years of spending.