Search found 7766 matches

by randomguy
Thu Jul 18, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 63
Views: 3943

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

And how many people are working on those farms who aren't millionaires? You could walk into google headquarters during a business hour and I am willing to be there are more millionaires in a 15 mile radius than all the millionaire farmers in the US. And half that radius is water where no one lives:...
by randomguy
Thu Jul 18, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 63
Views: 3943

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

However, in a LCOL area I have witnessed wealth and wealth accumulation beyond my wildest dreams. Wealth is also different in a LCOL rural area. Even a medium size farm is a multi-million dollar business. Think about that the next time you are flying over "flyover" country and see all those funny l...
by randomguy
Thu Jul 18, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Heart Transplant — Can I Fund Expenses through our DAF?
Replies: 22
Views: 2209

Re: Heart Transplant — Can I Fund Expenses through our DAF?

As far as I know, donating money to a relative (or any individual for that matter) doesn't count for a tax deduction. You do, however, get a tax deduction (via your DAF) if you donate money to a qualified charity. For example, a charity related to your nephew's hospital or the American Heart Associ...
by randomguy
Thu Jul 18, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 63
Views: 3943

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

I drive an F150. So you drive a 50k truck,😀. Ok I have no clue what trim you have but I bet every single one of your neighbors can put a very good guess about what your car is worth. They all know that f150 go from beater transportation to Mercedes benze luxury level and it is car they have pretty ...
by randomguy
Thu Jul 18, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

If I only need 1% from my portfolio and not the RMD amount (3.5% and then increasing, until death) why would I want to reduce my principal by that amount (thus limiting future growth) AND pay the tax on it? When I don't have to? I can pay the tax one time and let the principal grow with virtually n...
by randomguy
Thu Jul 18, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 63
Views: 3943

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

OP, People with a higher saving rate has higher net worth and higher opportunity to grow wealth. This is true i dependent of where they live. KlangFool Lets compare Person A lives in HCOL a) Makes 100k, saves 15% = 15k year Person b lives in LCOL area b) makes 70k and saves 20% = 14k/year Person A ...
by randomguy
Thu Jul 18, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 63
Views: 3943

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

OP, People with a higher saving rate has higher net worth and higher opportunity to grow wealth. This is true i dependent of where they live. KlangFool Lets compare Person A lives in HCOL a) Makes 100k, saves 15% = 15k year Person b lives in LCOL area b) makes 70k and saves 20% = 14k/year Person A ...
by randomguy
Thu Jul 18, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

The issue is WHEN the taxation occurs: before the growth, or after it. What issue? Paying taxes and having less money growing is the same as having the money grow and then paying taxes if the tax rates are the same. Your calculation rests on the assumption that the tax rate is the same when the con...
by randomguy
Wed Jul 17, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: Mathematical model of Roth conversion [error] (does not suggest more is better)
Replies: 39
Views: 3086

Re: Mathematical model of Roth conversion suggests more is better.

One interesting question that could still be worth investigating--does the optimal conversion strategy materially shift based on equity/bond expected return? In other words, if returns are higher meaning more RMDs expected, should retirees convert more aggressively? Or is the changed payoff in term...
by randomguy
Wed Jul 17, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

The issue is WHEN the taxation occurs: before the growth, or after it. What issue? Paying taxes and having less money growing is the same as having the money grow and then paying taxes if the tax rates are the same. Your calculation rests on the assumption that the tax rate is the same when the con...
by randomguy
Wed Jul 17, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

why in your right mind would you want to limit growth of an Ira One word: taxes. Assuming you’re speaking of a pre tax IRA. You can get the growth in a Roth also and pay lower tax. It depends on one’s portfolio composition and circumstances To expound upon your last statement, it makes sense to put...
by randomguy
Wed Jul 17, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4672

Re: Do you care about your home appreciating?

I'm on my 4th house.....I bought my first house with zero down and rolled the (tax free) equity into each subsequent purchase. My current long-term home I had $150k down payment when bought 3 years ago. None of that money came from my pocket (other than mortgage payments, which were less than rents...
by randomguy
Wed Jul 17, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

Admiral wrote:
Wed Jul 17, 2019 7:47 am

The issue is WHEN the taxation occurs: before the growth, or after it.
What issue? Paying taxes and having less money growing is the same as having the money grow and then paying taxes if the tax rates are the same.
by randomguy
Wed Jul 17, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 164
Views: 16368

Re: Are RMDs that bad if you're not an over-saver?

why in your right mind would you want to limit growth of an Ira One word: taxes. Assuming you’re speaking of a pre tax IRA. You can get the growth in a Roth also and pay lower tax. It depends on one’s portfolio composition and circumstances To expound upon your last statement, it makes sense to put...
by randomguy
Tue Jul 16, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4672

Re: Do you care about your home appreciating?

I'm on my 4th house.....I bought my first house with zero down and rolled the (tax free) equity into each subsequent purchase. My current long-term home I had $150k down payment when bought 3 years ago. None of that money came from my pocket (other than mortgage payments, which were less than rents...
by randomguy
Tue Jul 16, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 124
Views: 11161

Re: House not appraising for amount we were offered!

The appraiser will make an adjustment for changes in the market between the dates of sale of the comparable properties and the valuation date. Yes, but how do they make that 'adjustment'?... By adjusting for changes in the market. For example, everything else being the same, if a comparable propert...
by randomguy
Tue Jul 16, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4672

Re: Do you care about your home appreciating?

Unless you are sure it is your forever home, then yes. Sure, your next home will also be more expensive but your equity will increase many times faster due to leverage, so you still come out well ahead. but will it? lets say I purchase a home for 200k now., I put down 20% (40k). Home goes up in val...
by randomguy
Tue Jul 16, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: Mathematical model of Roth conversion [error] (does not suggest more is better)
Replies: 39
Views: 3086

Re: Mathematical model of Roth conversion suggests more is better.

But even if you don't live long enough to see a significant ROI, if you are planning on leaving an inheritance to your children, isn't it better to leave them a Roth than a 401k? Only if they kids taxes are the in same or higher than yours. Imagine you are Mr. Money bags and paying 50% taxes (state...
by randomguy
Tue Jul 16, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2475

Re: New family car and safety considerations

More importantly, Odyssey is a larger, more spacious, more comfortable vehicle than the RAV4. It has an intercom for back seat passengers and its own vaccum in the trunk. The captain chairs in the second row are like airline seats. These are the every day features that you consider when justifying ...
by randomguy
Tue Jul 16, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2475

Re: New family car and safety considerations

Crash into a bridge abutment and I don't care if you're driving a dump truck.....you're toast. At high enough speeds maybe, but you've got a much better chance of surviving a crash like this in a modern Volvo than in a modern Jeep or a dump truck. Correct. That is why the barrier collision is used ...
by randomguy
Mon Jul 15, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4786

Re: Anyone buy the Nissan Rogue over the Honda CRV???

Jeff Albertson wrote:
Mon Jul 15, 2019 10:08 am
PBS Motorweek program recently reviewed small SUVs.
If it is the show I am thinking of, note they only looked at like half the field.
by randomguy
Mon Jul 15, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6808

Re: Tenant turned off all utilities advice please!!

ohai wrote:
Mon Jul 15, 2019 8:37 am
Isn't the security deposit created for exactly situations like this?
What a security deposit can be used for is specified by law that varies by reason. I expect cleaning is likely a use. Not as sure about the utility issue.
by randomguy
Mon Jul 15, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6908

Re: I think i can spend 30k on this vacation, but wife not sure

Have a nice trip! You have $5 million, why is this even a question? Because a lot of people hear have unhealthy relationships with money where the joy of money is from hoarding it. Money is to be spent. You just need to decide where it makes you happiest. Maybe it is a 30k vacation. Maybe it is 100...
by randomguy
Mon Jul 15, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4786

Re: Anyone buy the Nissan Rogue over the Honda CRV???

I have been spoiled with the great service at the Honda dealership and the easy commute, but will not get another Honda til they fix the oil gas dilution issue often discussed on the forum. No way would I buy a Nissan Rogue, considering the number of better alternatives available. The Rogue is the ...
by randomguy
Mon Jul 15, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4786

Re: Anyone buy the Nissan Rogue over the Honda CRV???

How about a used 2016-18 Acura RDX? Sounds like a 360 camera is a requirement. It also costs 15k more(if you want a used car you can get a used rogue), gets poor gas mileage (~10-20% worse), and wants premium (and it isn't like the Volvo where it is a suggestion. I am sure it runs on regular but yo...
by randomguy
Fri Jul 12, 2019 3:17 pm
Forum: Personal Investments
Topic: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds
Replies: 43
Views: 2000

Re: Why Shouldn't I Switch to Low Carbon/Fossil Fuel Free Index Funds

So i am struggling to come up with a story where I pick one of these low carbon indices (particularly thinking about SPYX) as my replacement for SP500 tracker, and then regret it in 15 years because i have under performed dramatically. It seems like worst case scenario is one of these funds perform...
by randomguy
Fri Jul 12, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1650

Re: Is any type of marriage counseling partially covered by Health insurance?

You would need to get the billing codes and talk to your plan but in general this isn't considered a medical issue. Good luck
by randomguy
Fri Jul 12, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 4701

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

Berkshire Hathaway owns several small businesses Like BNSF Railway... :wink: And Geico, Dairy Queen, Duracell, NetJets, Fruit of the loom, Benjam moore and few other small companies:) They do sort of serve as PE type company in that they tend to buy shares in special deals but a good chunk of the c...
by randomguy
Fri Jul 12, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 4701

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

If the stock market crashes again, I am willing to bet that my high school friend will be able to withstand it a little better than someone with a 3 Fund Portfolio only (depending on the AA). And if class C strip malls and restaurant supply warehouses crash, I am willing to bet the person in TSM wi...
by randomguy
Fri Jul 12, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Buying a court-ordered divorce house
Replies: 10
Views: 1275

Re: Buying a court-ordered divorce house

Seems pretty clear. Have the place inspected. If major things need to be done, subtract the cost of those things from your offer. If the house is listed for 500k and is worth 450k, do you really want to spend a couple hundred bucks before learning if you can come close to an agreement in price? In ...
by randomguy
Fri Jul 12, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying a court-ordered divorce house
Replies: 10
Views: 1275

Re: Buying a court-ordered divorce house

Seems pretty clear. Have the place inspected. If major things need to be done, subtract the cost of those things from your offer. If the house is listed for 500k and is worth 450k, do you really want to spend a couple hundred bucks before learning if you can come close to an agreement in price? In ...
by randomguy
Fri Jul 12, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

Unless you guys are different from me I look at what my savings are after taxes, it doesn't make any sense to base the number off of money you will never see. CnC, I look at my savings based on my annual expense. It does not make any sense to be based on any form of income (gross, net, after-tax). ...
by randomguy
Thu Jul 11, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4587

Re: Retiring Early Correlates with Greater Longevity ?

I once asked Calstrs how long teachers lived with their retirement. I didn't exactly get that answer, but I got this: California State Teachers’ Retirement System. We don't keep statistics but in a 2002 letter drafted by the Office of the Actuary, they found the following results: 75.7% have been r...
by randomguy
Wed Jul 10, 2019 4:31 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4587

Re: Retiring Early Correlates with Greater Longevity ?

Anemic people live longer ? I don't think so. He actually does NOT advise becoming vegetarian - -plenty of them are sickly in various ways. Rather he uses phelobotomy to keep his iron closer to the healthy female range. And is there any evidence that he is right? You will see a lot of studies that ...
by randomguy
Wed Jul 10, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16936

Re: Larry Swedroe: The Historical Imperative For International Diversification

So did being "diversified" cost you money when you bought companies outside the S&P 500? I know it cost me, although I do it any way. I also made less than I would have otherwise by investing overseas. I do it anyway. But the "free lunch" cost me money. We all know why we do it. We all also should ...
by randomguy
Wed Jul 10, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

Compounding happens with interest payments. With stocks there is no compound growth. I was a bit puzzled by this, as that's not my definition of compounding. To me compounding is exponential growth in a financial balance. (Edited to elaborate: exponential growth that is happening because any return...
by randomguy
Wed Jul 10, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

Also, if one can get the mortgage knocked out some years before the target retirement date, it can help substantially. Savings rate can increase while the amount needed to cover expenses shrinks. You do count your mortgage principle payments as part of your savings right? Just cause you saving in a...
by randomguy
Wed Jul 10, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: No advantage to doing Roth conversions?
Replies: 21
Views: 2720

Re: No advantage to doing Roth conversions?

There are a couple papers that looked at this and came to conclusion that the conversion strategy, ON AVERAGE, ended up with 3% more at end of life. That agrees with what you quote. But it also translates into money lasting one more year if you think about a 30 year retirement time horizon. 3% seem...
by randomguy
Wed Jul 10, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

Also, if one can get the mortgage knocked out some years before the target retirement date, it can help substantially. Savings rate can increase while the amount needed to cover expenses shrinks. You do count your mortgage principle payments as part of your savings right? Just cause you saving in a...
by randomguy
Tue Jul 09, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 52
Views: 3784

Re: Buy a new car now or wait: what's the math say?

There is no way an x3 will have $19.5k in maintenance and repairs in 5 years. BMW includes 4yr/50k mile warranty and 3 years of maintenance on all their models. So basically they’re saying 1 year of paying for repairs out of pocket and 2 years of maintenance will be $19.5k? No way that’s possible. ...
by randomguy
Tue Jul 09, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

I think planning on a level 20% savings rate shortchanges the early retirement possibilities. If you are in a career with some real salary growth potential and save a portion of every raise, you can grow your saving rate over time quite a bit. I started with 6% contribution plus 3% company match at...
by randomguy
Tue Jul 09, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 13519

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

I wish I had kept data to know how much I saved in my 20's. I THINK it was over 20%, but I can't really be sure. I'm 50 now and have been saving quite a bit more than 20% the past 15 years, but I'm definitely not in a position to retire early, but I've always been kind of low income, so even saving...
by randomguy
Tue Jul 09, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 52
Views: 3784

Re: Buy a new car now or wait: what's the math say?

A number of German luxury models have very high depreciation in their early years. After that early depreciation cliff though, with a number of them depreciation actually stabilizes and becomes lower than those of their Japanese counterparts, all while having comparable reliability and maintenance ...
by randomguy
Tue Jul 09, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 52
Views: 3784

Re: Buy a new car now or wait: what's the math say?

That Acura will stay on the road until you get sick of it. We still have our 2007 Honda Pilot, was my wife's before and now our 16-yr old has it. Wife got a Volvo XC90 , highly recommended. Costs less than Audi/BMW, best vehicle we've ever owned. Look good, drives great, plenty of bells & whistles,...
by randomguy
Mon Jul 08, 2019 11:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16936

Re: Larry Swedroe: The Historical Imperative For International Diversification

It probably would have required almost as much confidence as continuing to hold ex-U.S. stock since 1989, a 30 year period where short-term Treasuries would have provided a higher return. :wink: Nah it would have required at least an order of magnitude more confidence. It is one thing to say I only...
by randomguy
Mon Jul 08, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 52
Views: 3784

Re: Buy a new car now or wait: what's the math say?

We have a 2011 CRV w/ 90k miles on it. It is the last non-self driving car we will have, possibly even the last personal car. I'd hold onto that Acura for another 5 years and reassess at that time. The rationale would be to avoid a huge depreciation cliff event as a result of autonomous tech pannin...
by randomguy
Mon Jul 08, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2549

Re: New budget SUV vs used luxury SUV

Typically budget makes are Kia and Hyundai. Acura is not a luxury make. It is similar to Volvo and Infiniti. Luxury brands would be BMW, Mercedes, and to most, Audi. Why not a used X3 or GLC? 2016 models would also be in the $30-35k range and be a proper luxury vehicle. Acura is just a rebadged Hon...
by randomguy
Mon Jul 08, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2549

Re: New budget SUV vs used luxury SUV

Hello, I am trying to choose between buying a new 2019 Mazda CX 5 grand touring or reserve (total cost ~33000 - 37000) vs a 2016 Acura RDX with advance package (total cost ~30,000). The Mazda is more expensive to buy but the 5 year cost to own is likely higher with the used RDX. Let me know your th...
by randomguy
Mon Jul 08, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16936

Re: Larry Swedroe: The Historical Imperative For International Diversification

It probably would have required almost as much confidence as continuing to hold ex-U.S. stock since 1989, a 30 year period where short-term Treasuries would have provided a higher return. :wink: Nah it would have required at least an order of magnitude more confidence. It is one thing to say I only...
by randomguy
Mon Jul 08, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16936

Re: Larry Swedroe: The Historical Imperative For International Diversification

Well if backtesting is the game we're playing, why don't you throw 40% intermediate bonds, 50% US stocks, and 10% gold up there to look at? Because backtesting isn't a game, is not the game we're playing, and gold isn't the topic of this thread. Or maybe it would show an even larger effect on the w...