Great result, and even simpler than PP.This https://www.portfoliovisualizer.com/bac ... JePOh6aSAq is better for those that might otherwise be inclined to choose a PP. The PP was devised as a alternative to T-Bills (safe). T-Bills has a history of not returning your inflation adjusted money such as via 25 years of 4% SWR instalments. For those in the position of being content with cash deposit/T-Bills serving their retirement a alternative to the PP is to divide three equal ways, a third physical gold (or silver) in your possession, a third buried away (3 year treasury bond ladder such that 11.1% of the portfolio value matures each year), a third in stocks. Retire at age 65 and 25 years of 4% SWR (inflation adjusted income) sees you through to age 90. Some may be in a position to not have to spend that, they might reinvest 25% (spend a 3% SWR) in which case typical lower end residual portfolio values after 25 years were 50%+ of the inflation adjusted start date portfolio value, more often more (this 3% 25 year SWR Monte-Carlo indicates near 200% real residual portfolio value in the 50th percentile outcome case https://www.portfoliovisualizer.com/mon ... eQSK88P3MP)
Counter party and currency/asset risk diversification. Choices of actual funds/holdings include thirds SPY/Gold/SHY, or 37% GDE, 63% SHY (more tax efficient gold), or 11.1% in a 3x stock fund (SPXL), 16.6% in a 2x gold fund (UGL), 72% SHY. Silver or gold, direct T-Bond ladder or SHY ... broadly made little difference, as might a TIPS ladder be used instead of conventional bonds.
Statistics: Posted by Lawrence of Suburbia — Thu Jan 29, 2026 12:36 pm — Replies 926 — Views 234212