Recent content by DoubleDown

Here are the stats: Me - 48, DW - 48 Me - federal employee with COLA'd pension at 56, DW - small home business Kids - 2 in college (freshman and junior), money that will be needed for that is set aside in cash Home - paid off. We like it here and will probably stay here after retirement (in 7...

Agreed. Having cash is always nice (just ask my DW!!!). :greetings10:

Nords - I have read Bob's book. Great stuff. Yes, it is nice in recessions to get contractors to at least return your calls. Mahalo nui loa.

While I agree you can get some great deals during an economic downturn, you can also decimate your portfolio by withdrawing too much when your asset prices are down. Dealing with both of these issues is a very fine line. :coolsmiley:

Does anyone just take a certain percentage (I was thinking 4%) of their account value per year? Capital appreciation/rise in dividends will hopefully keep pace with inflation. If not, so be it. Just like in working days your spending money/investments money allocations changes with what is...

Taxable - 100% PRPFX Tax Deferred - 30% stock 70% very short term bonds Tax Exempt (Roth) - 100% VWIAX 8 1/2 years until retirement with a COLA'd pension

Dex, Yes, I own PRPFX in a taxable portfolio. IMHO, it makes a terrific core holding and you can build around it (if you want to) with other holdings as they become attractively priced. :coolsmiley:

Dex - have you ever considered investing in PRPFX so you wouldn't have to worry about if we are in inflation, deflation, etc.? Either that fund, or do Harry Browne's 4 x 25 (do a google search if you are unfamiliar with it). It's never wrong to take profits. Good luck to you.

My taxable portfolio is 50% PRPFX. Of my total portfolio it is about 15%. I add to my taxable portfolio every two weeks and that means continually buying PRPFX. I do a semi value averging thing in this account with another conservative mutual fund (OAKBX). My goal is to keep both funds at the...

If you are truly diversified these market actions will not bother you. Some of your assets are rising or at least not getting hammered. In times like these Harry Browne's 4 x 25 portfolio and the mutual fund PRPFX shine (or at least don't get slaughtered). DD

None of the above. How about 100% PRPFX and you withdraw 5% of the account value per year? :whistling:

This exactly the plan I am going to use when I retire in 9 years. Keep 3 years of withdrawals in cash and the rest in diversified conservative and moderate mutual funds. Each year move 5% of the portfolio value to the MM or bank account. Then withdraw 1/3 of the value of cash account for living...

How about putting it all in PRPFX and withdrawing a certain percentage of your account value at the end of the year for next years spending money? More when the fund gains and less when it doesn't. At least then you would be broadly diversified across asset classes. Have you considered something...

One thought comes to mind after reading that awesome article...PRPFX (or HB's 4 x 25 portfolio). No one knows what is coming next and how long it will last. Bear markets can certainly last longer than your pain threshold (especially in the withdrawal stage). Stay diversified using many asset...

Consider - PRPFX You won't knock 'em dead with huge returns but you also won't get slaughtered either. Good luck to you.