MyPlanIQ Major Brokerage Investor Permanent Global Portfolio ETF Plan

Permanent Global Portfolio ETF Plan

This Plan is unrated.
Investment Options
Total Available Funds: 11
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF
REAL ESTATE
REAL ESTATE VNQ Vanguard REITs Index ETF
INTERNATIONAL EQUITY
Foreign Large Blend VEA Vanguard Europe Pacific ETF
Others
Currency FXF CurrencyShares Swiss Franc Trust
Natural Resources IGE iShares S&P North Amer Natural Resources
COMMODITIES
Commodities Precious Metals GLD SPDR Gold Shares
Commodities Precious Metals SLV iShares Silver Trust
FIXED INCOME
SHORT GOVERNMENT SHY iShares Barclays 1-3 Year Treasury Bond
Long-Term Bond LQD iShares iBoxx $ Invest Grade Corp Bond
LONG GOVERNMENT IEF iShares Barclays 7-10 Year Treasury
Total Available Funds: 11
Asset Class Ticker Description Rating
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF
REAL ESTATE
REAL ESTATE VNQ Vanguard REITs Index ETF
INTERNATIONAL EQUITY
Foreign Large Blend VEA Vanguard Europe Pacific ETF
Others
Currency FXF CurrencyShares Swiss Franc Trust
Natural Resources IGE iShares S&P North Amer Natural Resources
COMMODITIES
Commodities Precious Metals GLD SPDR Gold Shares
Commodities Precious Metals SLV iShares Silver Trust
FIXED INCOME
SHORT GOVERNMENT SHY iShares Barclays 1-3 Year Treasury Bond
Long-Term Bond LQD iShares iBoxx $ Invest Grade Corp Bond
LONG GOVERNMENT IEF iShares Barclays 7-10 Year Treasury
US EQUITY
LARGE BLEND VTI Vanguard Total Stock Market ETF
Total Available Funds: 11
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
Emerging Market
DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF 51% 0 60 0 0.15% 2.67%
REAL ESTATE
REAL ESTATE VNQ Vanguard REITs Index ETF 95% 0 60 0 0.12% 3.43%
INTERNATIONAL EQUITY
Foreign Large Blend VEA Vanguard Europe Pacific ETF 48% 0 60 0 0.09% 3.21%
Others
Currency FXF CurrencyShares Swiss Franc Trust 96% 0 60 0 0.4% 0%
Natural Resources IGE iShares S&P North Amer Natural Resources 7% 0 60 0 0.48% 0.99%
COMMODITIES
Commodities Precious Metals GLD SPDR Gold Shares 90% 0 60 0 0.4% 0%
Commodities Precious Metals SLV iShares Silver Trust 79% 0 60 0 0.5% 0%
FIXED INCOME
SHORT GOVERNMENT SHY iShares Barclays 1-3 Year Treasury Bond 77% 0 60 0 0.15% 2.15%
Long-Term Bond LQD iShares iBoxx $ Invest Grade Corp Bond 64% 0 60 0 0.15% 3.31%
LONG GOVERNMENT IEF iShares Barclays 7-10 Year Treasury 38% 0 60 0 0.15% 2.14%
US EQUITY
LARGE BLEND VTI Vanguard Total Stock Market ETF 84% 0 60 0 0.05% 1.67%
Average Expense Ratio: 0.24%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 2.2% 4.6% 3.5% 3.8% 3.8% 5.4%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click to Create Model Portfolio

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Other Related Portfolios YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
Permanent Global Portfolio ETF Version 6.1% 7.8% 4.3% 4.0% 2.4%
Description
The plan consists of 11 funds. It covers 6 major asset classes and 10 minor asset classes. The major asset classes it covers are Commodity, REITs, US Equity, Fixed Income, Foreign Equity and Emerging Market Equity.

This plan adds two more ETFs: Vanguard Europe Pacific ETF VEA and Vanguard Emerging Market Stocks VWO to the aggressive growth stock category. Each of VTI, VEU, VWO is allocated 5% of the portfolio. This is a global version of Permanent Portfolio ETF Plan (a US centric plan). Please refer to Permanent Global Portfolio ETF Version for the static version.

The following is the description of Permanent Portfolio ETF Plan.

This plan uses ETFs to mimic the Permanent Portfolio mutual fund PRPFX holdings: GLD, SLV, FXF, IGE, IYR, VTI, LQD, SHY, IEF. See a lazy portfolio Permanent Portfolio Fund ETF Version for static version. 

We take PRPFX's allocaiton based on its recent report

Portfolio Structure

Gold  20%, Silver    5%

Swiss Franc Assets 10%

U.S. and Foreign Real Estate and Natural Resource Stocks 15%

Aggressive Growth Stocks 15%

U.S. Treasury Bills, Bonds and Other Dollar Assets 35%

The following is the original Harry Browne's permanent portfolio: 

In his Fail-Safe Investing book, Harry Browne proposed this one size fit all portfolio that he called 'permanent portfolio'. His theory has been discussed in numerous articles like this. A mutual fund PRPFX was constucted and named after his theory. The following consists of the portfolio's components.

  • 25% in U.S. stocks, to provide a strong return during times of prosperity. For this portion of the portfolio, Browne recommends a basic S&P 500 index fund such as VFINX.
  • 25% in long-term U.S. Treasury bonds for deflation protection.  
  • 25% in cash in order to hedge against periods of “tight money” or recession. In this case, “cash” means a money-market fund.
  •  25% in precious metals (gold, specifically) in order to provide protection during periods of inflation. Browne recommends gold bullion coins.

We use VFINX, VUSTX, VFITX, VFISX, CASH and GLD for the above components. Investors can compare the model portfolios in this plan with this static portfolio.

See Long Term Harry Browne's Permanent Portfolio Performance

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