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Re: Which Euro bond ETF to buy?

You are also from the Netherlands ? Hi scotbogle, yes, I'm also from the Netherlands. 1. I own the world index through VXUS + VTI for an average TER of ~0.105%. However, this setup has drawbacks: 1) Domiciled in the U.S. Estate tax if you invest more than $60,000. 2) Has to pay Dutch dividend tax. ...
by Makane
Tue Jun 10, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Which Euro bond ETF to buy?
Replies: 7
Views: 452

Which Euro bond ETF to buy?

My portfolio is compromised of 100% world index. I live in Europe. I'm thinking of buying myself some Euro bonds. Is this a good candidate, or are there better offers which you would like to recommend? http://www.ishares.com/nl/particuliere-belegger/nl/producten/251725/ishares-euro-aggregate-bond-uc...
by Makane
Mon Jun 09, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Euro bond ETF to buy?
Replies: 7
Views: 452

Re: Where do Bogleheads call home?

Hi Rick! I'm the 1%! .. At least the 1% that clicked continental Europe. Index fund/ETF TER's have gone down quite a bit in Europe in the last five years, but it's still around 0.5% for a lot of funds. Vanguard is among the cheapest with their new products that they launched in Ireland, incl. FTSE A...
by Makane
Mon Dec 16, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Where do Bogleheads call home?
Replies: 17
Views: 3090

Re: Question about dividends in ETFs [Netherlands]

Correct. Source dividend tax can (in almost all cases) not be reclaimed.
Correct. Dutch dividend tax can be reclaimed from the Dutch IRS.
by Makane
Thu Nov 28, 2013 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about dividends in ETFs [Netherlands]
Replies: 9
Views: 774

Re: Question about dividends in ETFs [Netherlands]

Note: this post concerns Dutch dividend tax (15%). You are correct. Unless you can deduce the dividend taxes from Box 3 taxes at your annual tax filing, ofcourse. Dutch investors would do best to avoid receiving any dividends. However, note that if you had 300,000 Euro invested for instance, wealth...
by Makane
Wed Nov 27, 2013 6:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about dividends in ETFs [Netherlands]
Replies: 9
Views: 774

Re: Question about dividends in ETFs [Netherlands]

Hi Dutchie! Welcome to the forum. :D 1. As far as I know, if an ETF doesn't distribute dividends, but rather accumulates and reinvests them in the fund, you would not have to pay Dutch dividend taxes on these dividends. Unfortunately, most of Vanguard's ETF's will pay out dividends, and you are ther...
by Makane
Tue Nov 26, 2013 5:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about dividends in ETFs [Netherlands]
Replies: 9
Views: 774

Re: EU investor holding index funds in USD

Thanks for your helpful advice! Can I conclude that as "The first $60,000 of U.S. assets are not taxed." there would be no hassle and I won't... eh. my children won't have to "go through the pain and agony of dealing with the U.S. estate tax system?" :) Otherwise I'll just cap U....
by Makane
Sat Nov 23, 2013 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: EU investor holding index funds in USD
Replies: 11
Views: 573

Re: EU investor holding index funds in USD

Thanks for your contribution, Ted! I read the page you linked. Indeed, determining whether an asset is deemed to be U.S. situs property is not always clear. VTI is traded on Nasdaq, and VXUS is traded on NYSE Arca, but the EU broker holds these shares in an independent holding company in the EU. As ...
by Makane
Sat Nov 23, 2013 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: EU investor holding index funds in USD
Replies: 11
Views: 573

Re: EU investor holding index funds in USD

Thanks for both of your contributions! My place of residence has no tax on funds and no capital gains tax. The holdings are at an EU broker and I have never visited the U.S. :D As a non-U.S. investor I understand that there are U.S. dividend taxes on U.S. stocks that are withold by the U.S. governme...
by Makane
Fri Nov 22, 2013 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: EU investor holding index funds in USD
Replies: 11
Views: 573

Re: EU investor holding index funds in USD

Valuethinker wrote:ie that the valuation (net assets) of the fund is the value of holdings in each country x exchange rate between that country and the home currency (currency of denomination) of the fund.


Thanks Valuethinker! Your explanation is much clearer than my attempt was. :)
by Makane
Fri Nov 22, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: EU investor holding index funds in USD
Replies: 11
Views: 573

EU investor holding index funds in USD

Hi, I'm a European investor holding some Vanguard Total Stock Market ETF (VTI) and some Vanguard Total International Stock ETF (VXUS) in the proportion of the world index by market capitalization. These ETF's are denominated in USD and are therefore fluctuating according to changing exchange rates. ...
by Makane
Fri Nov 22, 2013 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: EU investor holding index funds in USD
Replies: 11
Views: 573

Re: European investor - 3-fund portfolio - "global market" E

That said, ETFs in Europe are so expensive right now. I hope TERs will lower over time. The TER of SPDR MSCI ACWI IMI is 0.55%. Argh. Why not hold SPDR MSCI ACWI instead of SPDR MSCI ACWI IMI? The TER is 0.50%, which is lower than 0.55%. Fund Sector Allocation and Fund Country Weights Allocation ar...
by Makane
Sat Jul 06, 2013 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: European investor - 3-fund portfolio - "global market" ETFs
Replies: 33
Views: 3425

Re: Help a 22-year old Dutch student build a lazy portfolio

Hi and welcome to the Boglehead forum. I sat in some lectures of your master program and went to a couple of drinks of your investment club, fun times. It seems you missed out on Vanguard offerings. AFAK these Vanguard ETF's can all be bought in Euro: Vanguard S&P 500 ETF (0.09% TER) Vanguard FT...
by Makane
Sat Jul 06, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a 22-year old Dutch student build a lazy portfolio
Replies: 3
Views: 669

Re: European investor - 3-fund portfolio - "global market" E

Surely the rest of Europe will not be far behind ! xxd09 AFAK these Vanguard ETF's can all be bought in Euro: ⋅ Vanguard S&P 500 ETF (0.09% TER) ⋅ Vanguard FTSE All-World ETF (0.25% TER) ⋅ Vanguard FTSE Emerging Markets ETF (0.45% TER) ⋅ Vanguard FTSE Dev...
by Makane
Thu Jul 04, 2013 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: European investor - 3-fund portfolio - "global market" ETFs
Replies: 33
Views: 3425

Re: European investor - 3-fund portfolio - "global market" E

AppelSienSapFrietjes wrote:I am from Belgium. Thanks though ;).


Allright. I just updated my post again for any Dutch investors who might be reading the forums.
by Makane
Thu Jul 04, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: European investor - 3-fund portfolio - "global market" ETFs
Replies: 33
Views: 3425

Re: European investor - 3-fund portfolio - "global market" E

For me, dividend tax is 25%. 1) Your nickname seems Dutch. The Dutch dividend tax has been decreased from 25% to 15%. I guess it won't make a difference for your 3-fund portfolio, but I just wanted to inform you. :happy http://www.vrijberoep.com/aangiften/dividendbelasting/ http://www.rijksoverheid...
by Makane
Thu Jul 04, 2013 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: European investor - 3-fund portfolio - "global market" ETFs
Replies: 33
Views: 3425

Re: 3 fund portfolio vs more complicated allocation

(...)Stocks are considered a great inflation hedge. (...) Bonds have inflation expectations priced into them already, what TIPs guard against is unexpected infation. (...) In essense, what I have done is overweight certain inflation hedges in bigger percentages than what are contained in the Total ...
by Makane
Wed Jul 03, 2013 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs more complicated allocation
Replies: 34
Views: 3945

Re: Boglehead in Europe/Netherlands

For European investors:

All Vanguard ETF's available on LSE, NYX and SIX distribute dividends, usually every quarter.

For Dutch investors:

Dividend tax on these ETF's is withheld by Vanguard.
Your dividend tax can be (partly) reclaimed when you file your tax forms in Box 3.
by Makane
Mon Jul 01, 2013 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: 3 fund portfolio vs more complicated allocation

A three fund portfolio will cover all your bases if you use a Total US Stock Market, a Total International Stock Market, and a US Total Bond Market. In terms of covering all bases, how does it cover inflation? Are bonds a viable hedge vs. inflation? Why would anyone hold bonds instead of TIPS? (apo...
by Makane
Mon Jul 01, 2013 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs more complicated allocation
Replies: 34
Views: 3945

Re: Boglehead in Europe/Netherlands

did you consider the Think Global Equity UCITS ETF? It's not prefect in the sense that it holds only 250 companies, equal weighted and rebalances once a year. Welcome perpetualbond! Good to have you with us. Have a beer! :beer So far I am not very impressed with the ETF's I found with low TER's sui...
by Makane
Sun Jun 30, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: Boglehead in Europe/Netherlands

Are there any other European Bogleheads frequenting this forum?

What are your considerations or thoughts about currency risk and asset allocation?

What ETF's are you using? Do they accumulate dividends? What are their TER's?

Are you doing anything to counter Euro inflation?

:beer
by Makane
Sun Jun 30, 2013 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: Boglehead in Europe/Netherlands

European Boglehead ETF List: On the basis of EU boglehead investing , it looks like it could be really helpful to have a list of possible investment vehicles. This list is by no means inclusive. I pay special attention to the ETF being: 1. an ETF (since TER's on funds are usually way higher) 2. acc...
by Makane
Sun Jun 30, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: Boglehead in Europe/Netherlands

FR0010174292 includes Italy as well, but still offers no real diversification. However, I am not entirely sure whether the goals of true diversification and limiting the regional area to the Eurozone are compatible. For real diversification I would recommend DE000A0RFED7 - the fund might appear to ...
by Makane
Sun Jun 30, 2013 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: Boglehead in Europe/Netherlands

Thank you for your reply, Hanseat! Hello Makane, Personally I have to admit that I do not see any advantage in the "Meesman"-approach. Whilst I have no idea whether it is practical to go the Vanguard-route for an EU-investor today (it wasn't when I set up my investment plan), I would consi...
by Makane
Sun Jun 30, 2013 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Re: Boglehead in Europe/Netherlands

(...) if you'd prefer to remove some currency risk, you could look at increasing the EU and/or NL portion of your asset allocation. Thank you for your reply, zaboomafoozarg! Since the Eurozone uses one currency, I see no possible benefit to increasing the Dutch portion of my asset allocation. It wo...
by Makane
Sun Jun 30, 2013 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

Boglehead in Europe/Netherlands

Esteemed Bogleheads :D I just finished reading the Bogleheads’ Guide to Investing and checked the EU investing tab on the wiki . I am still left with a lot of questions as to implementing the Boglehead investing strategy in Europe. While I live in the Netherlands, I think Europeans will share some s...
by Makane
Sat Jun 29, 2013 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1947

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