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Old 02-23-2010
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Default Investments

I was curious what types of investments people have. I live America, so I have two essential types of accounts-- taxable and tax-advantaged retirement accounts.

Taxable Accounts

Emergency Reserves: I believe in keeping 4 to 6 months of expenses in a highly liquid savings account. This is for emergency purposes such as unemployment, car repairs, medical expenses, etc. I keep this money in an online bank where I maximize my interest payments.

Savings Bonds: I keep at least a few grand in US issue savings bonds. I have a mixed portfolio of EE and I series bonds. I had a few bonds mature last year that were from 1979/1980 and had collected lots of interest. Currently, my bonds are paying better rates than any bank is. I'd like to expand my portfolio to include some Treasury's and TIPS, but rates are too low on these products right now.

Stock: I started purchasing stock last year after markets had begun to slightly recover. I have a brokerage account where I hold some of my stock, while some of my other stock is held in DRIP (Dividend Reinvestment Program) accounts. I have positions in Conoco Philips, DuPont, General Electric, Heinz, Johnson & Johnson, Kraft, Realty Income, Energy SPDR, and Utility SPDR.

Precious Metals: As a hedge against inflation, I have some money in precious metals. I have exposure to gold, silver, platinum, palladium, and rhodium. Much of my exposure is "paper" exposure, basically exposure which is subject to counterparty risk-- specifically I use Kitco pool accounts to hold some of my metal holdings. But I also have physical possession of a decent quality of collectible silver and gold coins.

Tax-Advantaged Retirement Accounts

Diversified Portfolio Mutual Funds/Annuities: The bulk of my retirement savings is in mutual funds held through Vanguard. My wife and I have retirement target date funds that are held through a Roth IRA structure. My wife also had a diversified portfolio of mutual funds and variable annuities through TIAA-CREF. The advantage to all of these funds is that they allow for foreign exposure, a mixed slice of domestic exposure, and exposure to the bond market.

Commodity Exposure: I have a percentage of my portfolio in commodity exposure, both in the form of a mutual fund which tracks commodity companies and through a commodity-linked ETF.

Real Estate: Similar to commodities, I also have an actively managed real estate mutual fund as part of my portfolio.

China/India: I'm overweight in my exposure to emerging markets, specifically, I have an additional 4% weighting to China and India regions of the emerging market landscape. I hold this exposure through a mutual fund at Matthews Asia Funds.

In addition to my current retirement portfolio, I'm looking to purchase a few shares of a dividend-growing company such as Coca Cola, McDonalds, 3M, etc. I haven't decided on the stock purchase as of yet, but I will be making it before too long.
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Old 02-23-2010
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I have investments in:
Mutual funds - taxable
Company stock - taxable
Registered Retirement Savings Plans - nontaxable until I start withdrawing from it
Pension Plan - nontaxable until I start withdrawing from it
Nontaxable savings account - I don't pay taxes on the interest. I can only invest up to a certain limit each year
Saving & chequing accounts - I pay taxes on the interest

I don't buy bonds anymore although I used to quite regularly. I've never invested in precious metals. The market for that seems to be to volatile.
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Old 02-23-2010
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Originally Posted by ila View Post
I have investments in:
Mutual funds - taxable
Company stock - taxable
Registered Retirement Savings Plans - nontaxable until I start withdrawing from it
Pension Plan - nontaxable until I start withdrawing from it
Nontaxable savings account - I don't pay taxes on the interest. I can only invest up to a certain limit each year
Saving & chequing accounts - I pay taxes on the interest

I don't buy bonds anymore although I used to quite regularly. I've never invested in precious metals. The market for that seems to be to volatile.
Too bad you didn't have a nice bit of gold right now, ila. You would be getting a pretty nice return on it.
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Old 02-23-2010
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Too bad you didn't have a nice bit of gold right now, ila. You would be getting a pretty nice return on it.
I would, but gold has risen before only to dramatically tumble in price. Right now the price of gold is too high to even consider buying any.
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Old 02-23-2010
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Originally Posted by ila View Post
I would, but gold has risen before only to dramatically tumble in price. Right now the price of gold is too high to even consider buying any.
I agree. It would be crazy to attempt to purchase gold right now, especially with it's propensity to tumble down in price at the slightest provocation. That being said, it would be great to have had that gold before the huge rise and then sell it right now while it is so high.
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Old 02-24-2010
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Gold for me.

If a complete collapse of the economy or a really bad depression ever happens, metals will be the most useful things to barter. Gold, silver, hell even copper or brass would be in high demand. Federal Reserve Notes and other things of the sort are play money; a chunk of gold carries far more weight(no pun intended).

Just lookin out for the longterm you know?
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Old 02-24-2010
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Originally Posted by TheAngryPostman View Post
Gold for me.

If a complete collapse of the economy or a really bad depression ever happens, metals will be the most useful things to barter. Gold, silver, hell even copper or brass would be in high demand. Federal Reserve Notes and other things of the sort are play money; a chunk of gold carries far more weight(no pun intended).

Just lookin out for the longterm you know?
The problem with owning precious metals is that one's ownership is just pieces of paper. One doesn't actually hold the metals, but just certificates that show ownership. It would seem to me that if their is a massive economic collapse it will be all but impossible for one to get hold of those metals. Pieces of paper are hard to sell in an economic collapse. I would like some prove my theory wrong.
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Old 02-24-2010
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Copper has always been a good commodity. That is why so many thieves tend to fry themselves while trying to procure some from live power cables.
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Old 02-24-2010
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Originally Posted by ila View Post
The problem with owning precious metals is that one's ownership is just pieces of paper. One doesn't actually hold the metals, but just certificates that show ownership. It would seem to me that if their is a massive economic collapse it will be all but impossible for one to get hold of those metals. Pieces of paper are hard to sell in an economic collapse. I would like some prove my theory wrong.
Wouldn't you be able to keep your precious metals in safety deposit boxes to prevent such a scenario from happening?
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Old 02-24-2010
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Wouldn't you be able to keep your precious metals in safety deposit boxes to prevent such a scenario from happening?
From all I've ever heard, when one buys gold one is just buying certificates of ownership and it's not possible to actually touch the gold. Since I don't have firsthand experience I don't know for sure.
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Old 02-24-2010
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Originally Posted by ila View Post
From all I've ever heard, when one buys gold one is just buying certificates of ownership and it's not possible to actually touch the gold. Since I don't have firsthand experience I don't know for sure.
Darn. I would much rather be able to hold the gold in my greedy little paws. I would be like Scrooge The Duck, but with only certificates my glee would be diminished.
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Old 02-24-2010
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Maybe you?re interested in a Gold Vending Machine.
http://www.wealthdaily.com/articles/...-machines/2062
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Old 02-24-2010
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Not at a 30% markup!

Checking out for now... bye!

Last edited by aw9725; 02-24-2010 at 10:57 PM.
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Old 02-25-2010
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Originally Posted by ila View Post
From all I've ever heard, when one buys gold one is just buying certificates of ownership and it's not possible to actually touch the gold. Since I don't have firsthand experience I don't know for sure.
Absolutely wrong. There are a variety of ways to own gold. One includes certificate form, typically issued by mints. Another way to own is through pooled accounts, such as Kitco.com sells. The advantage to the pool account is a high degree of liquidity coupled with relatively low bid/ask spreads (making it easier to trade to profits). Plus, the pooled accounts aren't reported for tax purposes...Yet another advantage. You can also purchase shares of gold or silver ETF's, which are trust funds which actually (by obligation supposedly) own the underlying metals for each share owned. Typically, the shares of the ETF track the metal based on spot market prices, so the idea is to buy low and sell high. You can also redeem your shares of the ETF's for physical possession of the underlying metals, however, you have to redeem them in Creation Units, which means you have to have like 50,000 shares (or some other ridiculous amount of exposure) in order to actually take possession of the metals.

Finally, you can actually own precious metals by going to any number of reputable metal vendors or coin dealers. There are two ways to actually own the metals. For one, you can own bullion, which is basically to say that you just own ounces of metal. Secondly, you can purchase numismatics where you own precious metal, but it is in the form of a collectible coin. I for one collect coins, and every year I buy silver coins in the form of American Eagles, Canadian Maples, and Chinese Pandas...And I've also been collecting the silver coins of the Australian Mint. Because I'm buying uncirculated, mint-quality coins, I naturally pay a premium to own these coins. However, I also buy a decent amount of bullion. Bullion includes coins which have been scratched (or for some other reason have lost their collectibility) as well as bars of silver and gold. For the record, most of the bullion and coin that I buy is in the form of silver...Gold is too rich for my blood right now.

Of course, when you own any significant portion of gold or silver, you have the worry with how to protect it. It is very expensive to insure, otherwise you have to purchase a safe, or buy a safe-deposit box or some other form of insured storage.

And for our American posters, the US government even made it legal to hold gold or silver in an IRA portfolio. There are several companies which specialize in the storage of gold and silver (which you can take possession of). Of course, there are maintenance fees on these types of investments, which eat into your principle investment. The only stipulation is that the gold or silver has to be triple 9, so that rules out some forms of gold such as South African Krugerands.
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Old 02-25-2010
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Originally Posted by TheAngryPostman View Post
Gold for me.

If a complete collapse of the economy or a really bad depression ever happens, metals will be the most useful things to barter. Gold, silver, hell even copper or brass would be in high demand. Federal Reserve Notes and other things of the sort are play money; a chunk of gold carries far more weight(no pun intended).

Just lookin out for the longterm you know?
You see, I used to be a big proponent of this type of thinking. However, the more I thought about it, I realized something. The collapse of America (or any nation-state that is truly significant in the global scheme of things) would probably be preceeded by their central banks DUMPING every bit of gold onto the open market to try to prevent collapse. This would be a last ditch effort to keep fiat currency afloat. But it would flood the metals market and would therefore distort the supply/demand curve and would ultimately depress the price of metals. Therefore, metals utility in a complete collapse, while far from useless, would probably lack the utility that many people think they'd have.
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Old 02-25-2010
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I admit not knowing much about this subject. Are any of these "legitimate"? I would think this area would be rife with scams.

http://store.nwtmint.com/Bullion/

I think GRH is right about the .999 standard. So, I guess my "24K Gold" Obama coin is worthless?

Sorry, couldn't help it...

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Old 02-25-2010
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I'm thinking more of a "have a couple bullion laying around' approach. I would not invest all my money into gold for that exact reason, but rather have a little cache that would keep me comfy.

Still, even with a massive flood of gold, it will still be worth having instead of a wad of useless cash.
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Old 02-25-2010
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Default Wow so many so very misinformed,,,

The reason to invest in precious metals is because they are real and tangible. Of course you physically hold the metals,,,only fools buy paper certs---they're rife w/scams and manipulation. I make 1 quick call,, lock in the price and metals arrive 10 days later.
Anyone who thinks metal markets are volatile, ck the Forex. The Euro is less than 10 yrs old,,,came out around 3/$1. Now it's about $1.4/1,,, and the UK sure ain't no swinging dick economy, lol.
Only thing that keeps the USD afloat is that all currencys r in the same boat---
TOTALLY WORTHLESS. There is not 1 nation whose script is backed by ANYHING.
As for investing for yield, ck out the 'Dow Aristocrats' ,,, most exclusive 'club' of the NYSE. But for buy it, forget it, reap the dividends,,,just buy PM,,,cigs r the biggest drug on the planet,and no 1 stops getting high for very long,,,, lol
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Old 02-25-2010
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Quote:
Originally Posted by TheAngryPostman View Post
I'm thinking more of a "have a couple bullion laying around' approach. I would not invest all my money into gold for that exact reason, but rather have a little cache that would keep me comfy.

Still, even with a massive flood of gold, it will still be worth having instead of a wad of useless cash.
I agree with you there. I think it's highly prudent to have some "just in case" money that can't be inflated away like paper currency can.
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Old 02-26-2010
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Default Homsteading?

Does anyone here do homesteading?

I think it would be an interesting investment. A little patch of land that you can farm and live off of seems like an awesome idea; when I have enough saved up, I might just buy a plot of land to tend to and live on. It also seems like it would be very rewarding to do too.
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Old 02-26-2010
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Originally Posted by GRH View Post
Absolutely wrong. There are a variety of ways to own gold. One includes certificate form, typically issued by mints. Another way to own is through pooled accounts, such as Kitco.com sells. The advantage to the pool account is a high degree of liquidity coupled with relatively low bid/ask spreads (making it easier to trade to profits). Plus, the pooled accounts aren't reported for tax purposes...Yet another advantage. You can also purchase shares of gold or silver ETF's, which are trust funds which actually (by obligation supposedly) own the underlying metals for each share owned. Typically, the shares of the ETF track the metal based on spot market prices, so the idea is to buy low and sell high. You can also redeem your shares of the ETF's for physical possession of the underlying metals, however, you have to redeem them in Creation Units, which means you have to have like 50,000 shares (or some other ridiculous amount of exposure) in order to actually take possession of the metals.

Finally, you can actually own precious metals by going to any number of reputable metal vendors or coin dealers. There are two ways to actually own the metals. For one, you can own bullion, which is basically to say that you just own ounces of metal. Secondly, you can purchase numismatics where you own precious metal, but it is in the form of a collectible coin. I for one collect coins, and every year I buy silver coins in the form of American Eagles, Canadian Maples, and Chinese Pandas...And I've also been collecting the silver coins of the Australian Mint. Because I'm buying uncirculated, mint-quality coins, I naturally pay a premium to own these coins. However, I also buy a decent amount of bullion. Bullion includes coins which have been scratched (or for some other reason have lost their collectibility) as well as bars of silver and gold. For the record, most of the bullion and coin that I buy is in the form of silver...Gold is too rich for my blood right now.

Of course, when you own any significant portion of gold or silver, you have the worry with how to protect it. It is very expensive to insure, otherwise you have to purchase a safe, or buy a safe-deposit box or some other form of insured storage.

And for our American posters, the US government even made it legal to hold gold or silver in an IRA portfolio. There are several companies which specialize in the storage of gold and silver (which you can take possession of). Of course, there are maintenance fees on these types of investments, which eat into your principle investment. The only stipulation is that the gold or silver has to be triple 9, so that rules out some forms of gold such as South African Krugerands.
Thanks for the information, GRH. I've never bought gold or silver coins because the mints charge a premium for them, far more than face value at the time of production. That was rather shortsighted of me as had I bought gold coins over the years they would have increased substantially in value at today's market prices.
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Old 02-28-2010
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I have investments in:
Mutual funds - taxable
Company stock - taxable
Registered Retirement Savings Plans - nontaxable until I start withdrawing from it
Pension Plan - nontaxable until I start withdrawing from it
What stocks and mutual funds do you own ila? And regarding the pension plan, is that a company plan, or is it administered by the Candian government? And is it invested in stocks/market or how is it invested?
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Old 02-28-2010
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What stocks and mutual funds do you own ila? And regarding the pension plan, is that a company plan, or is it administered by the Candian government? And is it invested in stocks/market or how is it invested?
My pension plan is government. I don't know what it is invested in, but about ten years ago the government of the day took 30 billion out of the plan because they said it was surplus.

Stocks are in the company that I work for.

My mutual funds are with one of the biggest investment companies in Canada. The particular funds that I invest in are scattered throughout the globe. I changed my exposure a while ago so that I would get a higher rate of return even though there is more risk. Even so I've more than made up for any losses during the recent economic downturn.
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Old 02-28-2010
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I had a chance to get some Krugerrands awhile back. Shame I didn't know what they were at the time.
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Old 03-03-2010
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In the past few days I've increased my exposure to two ETF's. I bought a position in SCZ, which is an iShares ETF that tracks the foreign small-cap market. In addition, I added to my exposure in XLU, one of the sector ETF's that follows the utlility sector of the S&P. In December, XLU increased their dividend payment by 5 cents a share which pushed the yield of the security back over 5%. Thus, it made sense economically to reinvest some of my dividends into XLU.
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Old 03-08-2010
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Ai GRH,
I'm glad to see you here again after... centuries!
Nice Avatar, it goes well with your work.
So you are a busy trader now?
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  #27  
Old 03-08-2010
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Good to see you Sesame! It has been ages. As for my trading, I'm really much too lazy and poor to be much of a "trader." I do some trading, but too much of it, and the commissions eat up your profit. A lot of my stock holdings I buy for the dividend income (which I generally reinvest in stocks) and secondarily for the capital gains. Since I invest for dividends, that means that my average holding period is usually at least 6 months.
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Old 04-15-2010
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I was looking at my retirement portfolio and running some statistics on where things stand. Here's my current breakdown:

Domestic Equity 62.7%
International Equity 24.7%
Bonds 9.4%
Cash Equivalents 2.2%
Gold 1.0%

Concentrations within my portfolio include the following:

Commodity Exposure 8.4%
Real Estate Exposure 8.2%
Emerging Markets Exposure 7.2%
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  #29  
Old 05-21-2010
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Well, we've had some volatile days on Wall Street in the past few weeks.

There was the "flash crash" where the DOW Jones plummeted nearly 1,000 points in a twenty minute period. Personally, I was day-trading during the flash crash, and it scared me shitless. I've never seen such volatility or such a quick sell off. I ended up cashing in (at a much reduced price point) some capital gains (to take advantage of my 0% capital gains tax). However, I cashed out most of my positions and ended up rebuying them later in the day. My total take for the day was probably a wash or slightly negative. I increased my exposure to some stocks during the downturn.

Then I reaped the benefit of the bounce when Europe announced a nearly trillion dollar bailout for the Euro zone. I cashed out some positions after the bounce with a profit.

However, the recent 376 plunge in the DOW (and the corresponding drop in S&P 500 and Nasdaq indexes) has taken us below the "flash crash" levels of earlier in the month. We've officially entered a correction, and I've seen my profits trimmed by the latest downturn.

That said, with the current downturn, I'm buying more stocks on a periodic basis. I've increased my exposure to GE and COP and will be adding to my portfolio in the coming weeks. Afterall, buy stock when it's cheap.
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