s***w
发帖数: 521 | 1 大家, 尤其是indexers, 觉得如何?
谢谢! | h*******y
发帖数: 864 | 2 It only works in retirement accounts, otherwise tax will kill the return.
【在 s***w 的大作中提到】
: 大家, 尤其是indexers, 觉得如何?
: 谢谢!
| s***w
发帖数: 521 | 3 yes, I only have money in retirement.
then pp is better, compared to target funds (2020, 2045, etc), which are xx%
sp500 funds (for indexers ;), and yy% bonds funds?
【在 h*******y 的大作中提到】
: It only works in retirement accounts, otherwise tax will kill the return.
| h*******y
发帖数: 864 | 4 It is better in terms of volatility but not necessarily in terms of return (
if you believe in US' economy future). PP gave you the extra protection from
high inflation or dollar crash scenario. That's the beauty of asset
allocation.
Although, Harry Browne did recommend storing gold in the foreign bank safety
deposit box in case there is a turmoil in US. I don't think that's easy to
accomplish.
xx%
【在 s***w 的大作中提到】
: yes, I only have money in retirement.
: then pp is better, compared to target funds (2020, 2045, etc), which are xx%
: sp500 funds (for indexers ;), and yy% bonds funds?
| s***w
发帖数: 521 | 5 thanks. from the history data, PP is better, or target date funds, in terms
of return?
(
from
safety
to
【在 h*******y 的大作中提到】
: It is better in terms of volatility but not necessarily in terms of return (
: if you believe in US' economy future). PP gave you the extra protection from
: high inflation or dollar crash scenario. That's the beauty of asset
: allocation.
: Although, Harry Browne did recommend storing gold in the foreign bank safety
: deposit box in case there is a turmoil in US. I don't think that's easy to
: accomplish.
:
: xx%
| h*******y
发帖数: 864 | 6 I don't think target date funds have a history. And you can get anything
from the data, depending on how you torture it. But, Gold has performed
surprisingly well in the last 30+ years since the collapse of Bretton Woods
system that elimiated the gold as the monetary standard. Its return from
1972 to now is about 12% annually, that is as good as the stocks. For an
asset that does not create value by itself, this is very surprising. (If you
don't get surprised by it, you lack a good understanding
【在 s***w 的大作中提到】
: thanks. from the history data, PP is better, or target date funds, in terms
: of return?
:
: (
: from
: safety
: to
| f****t
发帖数: 1063 | 7 from the 80 to now, the gold price is about double, in the free market.
before 80, I think the rise is due to the gov restricitions?
(just like drug, it is expensive now)
Woods
you
a
【在 h*******y 的大作中提到】
: I don't think target date funds have a history. And you can get anything
: from the data, depending on how you torture it. But, Gold has performed
: surprisingly well in the last 30+ years since the collapse of Bretton Woods
: system that elimiated the gold as the monetary standard. Its return from
: 1972 to now is about 12% annually, that is as good as the stocks. For an
: asset that does not create value by itself, this is very surprising. (If you
: don't get surprised by it, you lack a good understanding
| h*******y
发帖数: 864 | 8 Right. But before 80, it was also the hyper-inflation era.
Anyway, the data is here, one can choose to torture it in whatever way:
http://goldinfo.net/londongold.html
I did make one calculation error. The annual appreciation is about 10% from
1972 (when gold becomes freely traded) instead of 12%.
【在 f****t 的大作中提到】
: from the 80 to now, the gold price is about double, in the free market.
: before 80, I think the rise is due to the gov restricitions?
: (just like drug, it is expensive now)
:
: Woods
: you
: a
| f****t
发帖数: 1063 | 9 so is there similar lazy protfolios for non-retirement money?
【在 h*******y 的大作中提到】
: It only works in retirement accounts, otherwise tax will kill the return.
| h*******y
发帖数: 864 | 10 Maybe just index funds, municipal bonds and physical gold in the safety box.
And don't rebalance your portfolio, just buy more of the losing asset each
year with your new savings.
【在 f****t 的大作中提到】
: so is there similar lazy protfolios for non-retirement money?
| G******s
发帖数: 76 | 11 为啥不买BRK。B？
【在 s***w 的大作中提到】
: 大家, 尤其是indexers, 觉得如何?
: 谢谢!
| s***w
发帖数: 521 | 12 people say buffet is too old, and therefore the risk is too big.
【在 G******s 的大作中提到】
: 为啥不买BRK。B？
|
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