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A healthy 22% return based mainly on gold stock ETFs, silver stock ETFs and even the a small allocation to GBTC being the Bitcoin Trust. Cheers!

Happy New Year to all from Thailand! :)

Mike; a well diversfied portfolio has proven (historically) to have less volatility and higher returns - same applies when including small caps and other higher volatility assets in portfolio. If one fears to "chicken out" in a down turn it makes more sense to re-evaluate overall risk...

As to bear funds are are many types out there, PSAFX from the Prudent Bear Family is in foreign bonds and gold+gold equities, certainly less risky than a equity fund. I do agree that funds that go opposite of the given market is more risky - simply because the market goes up more often than...

Tdameritrade charges a hefty $40 for buying/selling mutual funds. No thanks! As a non-resident alien I can not sign up directly with Vanguard (except for their overpriced offshore/Irish division) Cheers!

Whitestick; I think you are overly protective as to the "secrets" of her methods - after one have sold, I guess one then does another screening where one "filters" out the baddies and find another "goodie"? I am considering dabbling in this a bit myself - but wants to learn more first - sofar I...

Oh, and ETFs are SOOO much better for us US non-resident aliens, as often we can not even buy US-based funds. A good portfolio I recommend to people who asks for a simple ETF portfolio starts with: Equity:VTI+EFA+VWO (one can later split further into small caps/value/seperate EU Etc.) Real...

The prices mentioned by Lancelot seem cheaper than here in Thailand. I think I will have to do a trip and check things out there for myself soon. Lancelot; lets catch up so I can hear the stories. Cheers!

I hold almost all index/ETFs with only "managed" funds being Vanguard Metals, and Pimco foreign and developing bond funds. Now for my "fun-money" I hold only 1 single stock currently; WisdomTree Investments (WSDT.pk) which we have discussed here before. It is a wild ride, and my stop...

OAP status: paid off home+new car+major appliances Bond/cash ladder covering base expenses: $400k Additional investments: 900k in IRA.(and SS in the future) AOP; based the above I see little reason for you too take on too much risk anyway. $1.3M and house/car paid seems like a dream too most...

Well I am in my 30ties and FIREd so just keep that market going up. Cheers!

Today and yesterday was sorely needed. Was up only 2-3% for the year but with today looks like I am track to the 10% for the year again being my "wish"/target. Cheers!

Yes it has been looked at multiple times actually. Gummy have done the "sensible withdrawals" (sorry, no link right here but a google Gummy pages should do it) and several studies Incl.: http://www.fpanet.org/journal/articles/2004_Issues/jfp1004-art6.cfm have shown up to 6% SWR based on...

Just saw the other thread (PCRIX alternative) on this - so just forget this one. Cheers!

With 45 years ahead of us I fully agree that relying on historical returns only is silly at best. A more diversfied portfolio than SP500+US bonds only :o have historically done better. In addition the Firecalc models a person who blindly takes out the stash+inflation EVERY year, no matter WHAT...

A couple of points on DJP: the total costs are NOT the same as PCRIX. It is about 0.5% cheaper as PCRIX have the cost of buying the notes(0.5% or 0.35% depending on source) so PCRIX ends up at 1.25% or so in total costs vs. 0.75% for DJP. This is confirmed by Larry Swedroe at M* boards. PCRIX...

http://www.ipathetn.com/pdf/DJAIG_infosheet.pdf - it trades as an ETF(good for us aliens!), is backed by T-bills rather than TIPs, is cheaper than PCRIX(as the "e/r" includes the cost of the futures according to Larry Swedroe) and might hold a tax advantage as less/no income(?) but only capital...

I have 1M buckets - I put $1 in each and and will only worry when I have used 300k buckets. Cheers!

CFB; how did she wreck your spine? ;) And one tried to stab you! :o Some guys have all the luck.... Cheers!

In a low cost, well diversified portfolio I think that PCRIX is the best choice out there currently. I have 10% of the portfolio there. Cheers!

I agree with Dory that adding in SS or other "extras"(inheritance?) only obscures the picture when looking at firecalc results. I do think we sometimes are too conservative here actually. Using firecalc we look at the historical WORST case scenario :o holding US large cap growth minded equity...

People from the board visiting here in Thailand should not be afraid to send me a message if they want to meet up for a beer. I am sure Lancelot is offering the same as well as others living here in the Kingdom. Cheers!

Nice rebound, especially on foreign dev+EM+commodities yesterday. Lets have some more of those! :laugh: Seeing 5-figure changes in 1 day (corresponding to 1 year of living costs!) can certainly get those emotions going! I shouldn't look :-[ but; YTD as per closing yesterday: 7.3% Cheers!

6.25% as per closing yesterday. Cut in half or so the last 2 weeks but at least still positive. Cheers!

After the last week drop you might see enough panic selling for it to re-open. Would you have access to the Vanguard broker services? Then you can pick up some ETFs or closed end funds like GLD, ASA Etc. to cover that aset class until VGPMX re-opens. Another (non-Vanguard...) fund with...