Search found 156 matches
- Tue May 26, 2020 2:23 am
- Forum: Investing - Theory, News & General
- Topic: Fractional Investing
- Replies: 27
- Views: 2712
Re: Fractional Investing
ACORNS is fractional investing isn't it?
- Sat Feb 08, 2020 4:57 am
- Forum: Investing - Theory, News & General
- Topic: ETF Liquidity
- Replies: 0
- Views: 347
ETF Liquidity
Any thoughts on the paper below? https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2183251 Abstract Exchange-traded fund (ETF) trading volumes have increased over the last decade and so have ETF settlement failures at the clearing corporation. We test the hypothesis that ETF short selling, high stock borrow prices, and options contract expiration contribute to ETF fails-to-deliver (FTDs). We document a positive relationship between net daily ETF settlement failures and daily ETF short sale volume, the cost to borrow ETFs, and quarterly index options expiration dates (so-called “triple witching” dates). These findings are not consistent with the claim that fails are random. Rather, these findings are consistent with the hypothesis that mar...
- Sat Sep 21, 2019 6:54 pm
- Forum: Personal Investments
- Topic: retiring abroad with savings worth 200k...
- Replies: 101
- Views: 19266
Re: retiring abroad with savings worth 200k...
That is going to be very tight, and if you are not going to invest it, you will not last long.. 16 years if you keep your budget indeed under 12K a year. If you invest it and earn 6% average per year, that gives you 12K, but some years will not produce that so you will then eat into capital. Have you been to the location you talk about? You need to visit there a few times before you choose a location. I would highly request you have 25X your expected budget. 12K x 25 = 300,000 I am going to live in Thailand, my "walk away from work, but return later" is 225K in one fund, 30K in another fund just for health insurance, 36K in my checking as a buffer, and 40K in my savings for visa, move and set up costs. My walk away from work poss...
- Sat Sep 21, 2019 6:40 pm
- Forum: Personal Investments
- Topic: Why bonds when they return nothing over inflation?
- Replies: 34
- Views: 6812
Re: Why bonds when they return nothing over inflation?
Interesting to look back on this over a year later as interest rates have continued to drop and High Interest Savings accounts and Term Deposits at record lowsandrew99999 wrote: ↑Tue Aug 14, 2018 7:07 am I'm from Australia, and high interest cash accounts return the same as bonds there, so bonds makes no sense to me in this situation.
Also it is at the end of a multi-decade bull run in bonds as interest rates went from 17% in the late 80's steadily down to a point where it can't go much/any lower.
Bond (prices) have gone up for those holding bond index funds whilst yields have dropped
- Thu Dec 27, 2018 3:56 am
- Forum: Non-US Investing
- Topic: A200 [Australia]
- Replies: 3
- Views: 675
A200 [Australia]
Betashares launched A200 in 2018
A200 provides exposure to the largest 200 companies listed on the ASX, based on their market capitalisation.
A200 had $48M in assets in June, now its up to $388M and growing
Here's hoping Vanguard lower their fees
https://www.betashares.com.au/fund/australia-200-etf/
A200 provides exposure to the largest 200 companies listed on the ASX, based on their market capitalisation.
A200 had $48M in assets in June, now its up to $388M and growing
- VAS Vanguard Australian Index (top 300) has a fee of 0.14
IOZ iShares Core S&P/ASX 200 ETF (top 300) has a fee of 0.15
STW SPDR S&P/ASX 200 Fund (top 200) has a fee of 0.19%
Here's hoping Vanguard lower their fees
https://www.betashares.com.au/fund/australia-200-etf/
- Thu Oct 11, 2018 6:12 pm
- Forum: Personal Investments
- Topic: what to buy when stock market is a new high?
- Replies: 38
- Views: 7877
Re: what to buy when stock market is a new high?
Interesting to look back a few years
- Wed Mar 07, 2018 9:22 pm
- Forum: Investing - Theory, News & General
- Topic: Give me the long-term predictability of shares, at any age
- Replies: 14
- Views: 2032
Give me the long-term predictability of shares, at any age
What are your thoughts on the below article and Warrens thoughts (ties in with his pro stock bias and 90% Stock Market Index 10% Bond allocation for his estate) Give me the long-term predictability of shares, at any age As an investor’s investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds, assuming that the stocks are purchased at a sensible multiple of earnings relative to then-prevailing interest rates. It is a terrible mistake for investors with long-term horizons – among them, pension funds, college endowments and savings-minded individuals – to measure their investment “risk” by their portfolio’s ratio of bonds to stocks. Often, high-grade bonds in an investment por...
- Thu Nov 16, 2017 5:41 pm
- Forum: Investing - Theory, News & General
- Topic: Buy
- Replies: 199
- Views: 39480
Re: Buying and Spending Bitcoin
wow , in the future we wont need money at all... thats creepy! Bitcoin isn't money? Or did you mean simply no cash, just plastic? Not sure where USA is on this, but in the UK "touch and pay" chip credit and debit cards are big. And having sworn I'd never use it, I use it (credit card) that way all the time. For very small purchases. Apparently big in the UK, Australia & Canada, SE Asia, and parts of Europe ; the US not so much From Visa (applies to MasterCard, American Express etc also) Australia is leading the world in its adoption of contactless payments There are over 127 million Visa payWave transactions made each month 75 per cent of face to face Visa transactions are contactless There are hundreds of thousands of ...
- Thu Aug 17, 2017 4:28 pm
- Forum: Non-US Investing
- Topic: Australian Vanguard ETF for three-fund portfolio
- Replies: 13
- Views: 4453
Re: Australian Vanguard ETF for three-fund portfolio
Re Aussie Shares the Vanguard (Australia) charts tell a good story, plus there are franking benefits
http://www.smh.com.au/money/investing/a ... mmb26.html
https://www.fool.com.au/2016/01/21/the- ... -all-time/
http://www.smh.com.au/money/investing/a ... mmb26.html
https://www.fool.com.au/2016/01/21/the- ... -all-time/
- Sun May 21, 2017 6:14 pm
- Forum: Personal Consumer Issues
- Topic: Any good free kindle books on Amazon?
- Replies: 22
- Views: 3669
Re: Any good free kindle books on Amazon?
(AUS)
There's currently a free kindle book - A Comprehensive Guide to Exchange-Traded Funds (ETFs)
https://www.amazon.com.au/dp/B00Y3JNK5G
There's currently a free kindle book - A Comprehensive Guide to Exchange-Traded Funds (ETFs)
https://www.amazon.com.au/dp/B00Y3JNK5G
- Sat Mar 11, 2017 5:41 pm
- Forum: Non-US Investing
- Topic: Australia - Please help me with my first portfolio
- Replies: 14
- Views: 5726
Re: Australia - Please help me with my first portfolio
(Australian)
I had simple
VAS
VTS
VEU
VGB
Though over recent times I've added VGS as its Aussie domiciled to substitute VEU/VTS and VAF rather than VGB
A Listed Investment Company such as AFI, WHF, ARG, or MLT may also be a consideration for your daughters allocation of funds, AFI has been running for near on 80 years now, has outperformed the Aussie Accumulation Index (dividends reinvested) fees included and is low fee in line with index/etf funds.
http://www.afi.com.au/Investing-for-Children.aspx
I had simple
VAS
VTS
VEU
VGB
Though over recent times I've added VGS as its Aussie domiciled to substitute VEU/VTS and VAF rather than VGB
A Listed Investment Company such as AFI, WHF, ARG, or MLT may also be a consideration for your daughters allocation of funds, AFI has been running for near on 80 years now, has outperformed the Aussie Accumulation Index (dividends reinvested) fees included and is low fee in line with index/etf funds.
http://www.afi.com.au/Investing-for-Children.aspx
- Sun Feb 26, 2017 6:09 am
- Forum: Investing - Theory, News & General
- Topic: Warren Buffett v. Bogleheads
- Replies: 40
- Views: 6363
Re: Warren Buffett v. Bogleheads
Rebalancing?How do Bogleheads reconcile this?
- Wed Feb 22, 2017 6:16 pm
- Forum: Investing - Theory, News & General
- Topic: Passive Index Investing Is A Delusion
- Replies: 5
- Views: 1770
Passive Index Investing Is A Delusion
I don't think the author understands the process of something as simple as a 3 fund portfolio and rebalancing
http://seekingalpha.com/article/4047926 ... g-delusion
http://seekingalpha.com/article/4047926 ... g-delusion
- Thu Jan 12, 2017 6:09 pm
- Forum: Non-US Investing
- Topic: [Australia] New Vanguard ETF's
- Replies: 4
- Views: 1997
Re: [Australia] New Vanguard ETF's
I found this recently VTS+VEU Pros: Lower fees Better liquidity Access to small cap and micro cap stocks (approximately the bottom 15% of the US market, possibly similar %s for other countries). Access to emerging markets Cons: Extra work (W8-Ben form every 3 years). Requires two ETFs to balance No dividend re-investment Everything I've read seems to suggest you'll be subject to US Estate taxes for non domiciled persons. Because of Australia tax treaty you'll get $13k credit for the first $60k. Beyond that it's taxed at 35%. VGS Pros: One single ETF Easier administration DRP available No estate tax Cons: Slightly higher fees Less liquidity (at the moment) No emerging markets (can be counter acted with VGE but higher expenses and then you're...
- Mon Oct 10, 2016 2:28 am
- Forum: Non-US Investing
- Topic: Retiring on dividends [Australia]
- Replies: 13
- Views: 2576
Re: Retiring on dividends [Australia]
Thanks In Australia over the last 40 years we've averaged about 9.7% via the ASX Index thanks in part to higher interest rates, dividend yields and our dividend imputation system From the original link This shows the Industrial Share Index and cash broken into their two separate elements; income and capital. The income streams you see below (the vertical bars) have been available to every one of us for the last 35 years and beyond. It is regrettable that those people who required the most income often chose the asset (cash) that produced the least simply because shares were classified as risky because their prices fluctuated! The dividends, during the 80's and 90's whilst I was still working, were being reinvested. When I quit the industry ...
- Sun Oct 09, 2016 5:45 am
- Forum: Investing - Theory, News & General
- Topic: Can You Rely on Dividends for Income?
- Replies: 43
- Views: 8255
Re: Can You Rely on Dividends for Income?
Impressivemalabargold wrote:I hope so.
Our dividends cover 400% of our expenses.
And hopefully growing over time
- Sun Oct 09, 2016 5:45 am
- Forum: Non-US Investing
- Topic: Retiring on dividends [Australia]
- Replies: 13
- Views: 2576
Re: Retiring on dividends
LIC's point out that they continue to outperform the ASX accumulation index (Growth + Dividends-Fees) and many funds have been doing so for over 50 yearsAlohaJoe wrote:LICs are the same as closed end funds in the US. There's a reason why those have fallen out of favor over the past few decades in the US.
Dividends account for a large part of stock returns in every country, there's nothing unique about Australia in that.
"Cheap" LICs have fees of 0.16% to 0.35%. Vanguard Australian Shares Index ETF is 0.14%.
I haven't really read much on LICs so don't take my word as gospel.
- Sun Oct 09, 2016 3:24 am
- Forum: Non-US Investing
- Topic: Retiring on dividends [Australia]
- Replies: 13
- Views: 2576
Re: Retiring on dividends
Thanks guys My current asset allocation is a simple Australian Index US Index World (ex US) Index Australian Bond Index I add to the laggard monthly to rebalance and rebalancing bands are at about 15% which has only once seen me sell a bull to buy a bear in recent years The (Australian) Listed Investment Company investors do have me thinking about options and the power of dividends though, hence a post here to glean some info from learned friends Here's (one of many) threads on the subject (Whirlpool Forums is another great resource) Listed Investment Companies (Aus) https://www.propertychat.com.au/community/threads/listed-investment-companies-lics.267/ Dividends in Australia account for a large portion of a stocks return, plus franking cre...
- Sat Oct 08, 2016 9:51 pm
- Forum: Non-US Investing
- Topic: Retiring on dividends [Australia]
- Replies: 13
- Views: 2576
Re: Retiring on dividends
[Embedded animated GIF removed, here's the link . --admin LadyGeek] That horse looks to be missing something TXJuice :wink: Did you look at the Links, performance, management fees etc at all https://belfash.files.wordpress.com/2011/09/4240744343_ac98cc9443.jpg For some reason, many aussies not keen on passive index investing, are happy to invest in something like a three (3) fund portfolio, this is due into LIC's due to low fees, outperformance of ASX Accumulation index and stability of dividends. This particular author (Peter) has focused on industrials (ex REIT's and Resource companies) and doesn't sell down in retirement (see his charts). Funnily enough, I can't find anything to compare his approach to an index investing strategy. LIC's...
- Sat Oct 08, 2016 9:09 pm
- Forum: Non-US Investing
- Topic: Retiring on dividends [Australia]
- Replies: 13
- Views: 2576
Retiring on dividends [Australia]
What's the thoughts on retiring on an ever growing dividend stream rather than the 4% withdrawal method?
See below
http://www.motivatedmoney.com.au/mysay. ... rb70nqkcsw
Peter invests in industrial shares, primarily via Australian Listed Investment companies such as
http://www.afi.com.au
http://www.argoinvestments.com.au
http://www.milton.com.au
See below
http://www.motivatedmoney.com.au/mysay. ... rb70nqkcsw
Peter invests in industrial shares, primarily via Australian Listed Investment companies such as
http://www.afi.com.au
http://www.argoinvestments.com.au
http://www.milton.com.au
- Wed Aug 24, 2016 10:01 pm
- Forum: Non-US Investing
- Topic: My Simple Investment Plan - Australia
- Replies: 2
- Views: 966
Re: My Simple Investment Plan - Australia
Why VTS/VEU rather than VGS?
- Sun Sep 13, 2015 5:55 pm
- Forum: Non-US Investing
- Topic: Aussie Bogleheads! What is your ETF Asset Allocation?
- Replies: 23
- Views: 8830
Re: Aussie Bogleheads! What is your ETF Asset Allocation?
Also have a look at VGS vs VTS/VEU
- Sat Sep 12, 2015 6:08 pm
- Forum: Non-US Investing
- Topic: Aussie investor here - how is my allocation?
- Replies: 12
- Views: 1414
Re: Aussie investor here - how is my allocation?
In Australia…
-Since 1970 cash has returned 8.9% and Australian bonds 8.7% per annum.
-Since 1985 cash has returned 8.2%, Australian bonds 9.9% and International bonds 11%.
-Since 2000 cash has returned 5.5%, Australian bonds 6.8% and International bonds 8.1%
Since 1980, we have had 10 calendar years of negative performance in equities, in eight of these years Australian bonds have outperformed cash, and typically by a large margin
source: Vanguard
-Since 1970 cash has returned 8.9% and Australian bonds 8.7% per annum.
-Since 1985 cash has returned 8.2%, Australian bonds 9.9% and International bonds 11%.
-Since 2000 cash has returned 5.5%, Australian bonds 6.8% and International bonds 8.1%
Since 1980, we have had 10 calendar years of negative performance in equities, in eight of these years Australian bonds have outperformed cash, and typically by a large margin
source: Vanguard
- Sat Sep 12, 2015 2:52 am
- Forum: Non-US Investing
- Topic: Aussie Bogleheads! What is your ETF Asset Allocation?
- Replies: 23
- Views: 8830
Re: Aussie Bogleheads! What is your ETF Asset Allocation?
Very simple allocation for SMSF, rebalance quarterly with new funds
25% VAS
25% VTS
25% VAF
25% VEU
25% VAS
25% VTS
25% VAF
25% VEU
- Sat Sep 12, 2015 2:49 am
- Forum: Non-US Investing
- Topic: Australian vanguard what should I invest in? , need advice
- Replies: 8
- Views: 2006
Re: Australian vanguard what should I invest in? , need advice
Hi SkyHigh Vanguard is mentioned on many Aussie stock forums and alternative sites where there is some great information such as whirlpool forums and even a site called PropertyChat (go figure). Vanguard Australia lets you invest into overseas funds, including the US. You could also look at ETF's which are purchased on the ASX just like common stocks. Vanguard Australias range of ETF's https://www.vanguardinvestments.com.au/institutional/jsp/investments/etfs.jsp#etfstab Vanguard has plans to launch four new ETFs in the fourth quarter of the year, pending approval from the ASX. An international fixed interest index (hedged) index ETF, an international credit securities index (hedged) ETF, a FTSE Europe shares ETF and a FTSE Asia ex Japan sha...
- Thu May 21, 2015 5:48 am
- Forum: Non-US Investing
- Topic: [Australian] Listed Investment Companies
- Replies: 7
- Views: 1860
Re: [Australian] Listed Investment Companies
This is worth a watch (Australian site)
http://www.switzer.com.au/video/20150428paul-rickard/
Paul Rickard from the Switzer Super Report joins the show to talk about listed investment companies and exchange traded funds. (Broadcast Monday 27 April 2015.)
http://www.switzer.com.au/video/20150428paul-rickard/
Paul Rickard from the Switzer Super Report joins the show to talk about listed investment companies and exchange traded funds. (Broadcast Monday 27 April 2015.)
- Thu Jan 29, 2015 5:56 pm
- Forum: Personal Consumer Issues
- Topic: What age did you move out?
- Replies: 117
- Views: 11053
Re: What age did you move out?
I moved out and supported myself from 18, one of my sisters at 16 and the other sister went on to university, rented privately and shared this accommodation cost with friends, she then went to the US for a year working as an au pair and returned to Australia to commence work as a primary school teacher Went to college at 17. Liked being on campus so much that I stayed at school every summer. In Australia no one really moves to go to College/Uni so I don't really have that option :( If you live in the city maybe, most universities (Americans version of Colleges) seem to have Campus Living as well as off-campus living nowadays for overseas and remote students Eh, Duffman12?? No sad faces! Aussies may not move to go to University, but isn't yo...
- Thu Jan 29, 2015 5:33 pm
- Forum: Non-US Investing
- Topic: [Australia] New Vanguard ETF's
- Replies: 4
- Views: 1997
Re: [Australia] New Vanguard ETF's
Being domiciled in Australia then I guess you wouldn't benefit from the currency play at present with the Aussie Dollar falling as is happening with VTS (up 15% over the last 3 months).
- Sun Dec 21, 2014 4:06 pm
- Forum: Investing - Theory, News & General
- Topic: Tax Loss Harvesting Question
- Replies: 9
- Views: 2292
Re: Tax Loss Harvesting Question
Here's some information from an Australian perspective on a little genie the tax office have called Part IVA of the Income Tax Assessment Act (ITAA) 1936 , and they are wont to pull it out whenever they see there maybe a 'tax advantage'. Tax Loss Harvesting or Tax loss selling, wash sales, bed'n'breakfasting, or simply ditching the dogs. Tax laws covering wash sales Crystallising a tax loss by selling is not a problem, but what you do after that could be. For example, wash sales (the quick sale and repurchase of the same asset to crystallise a paper loss) is definitely not allowed. Some countries define in very clear terms what constitutes a wash sale. For example, in the United States you cannot claim a capital loss if the same stock is so...
- Sun Dec 21, 2014 3:57 pm
- Forum: Investing - Theory, News & General
- Topic: Tax Loss Harvesting Question
- Replies: 9
- Views: 2292
Re: Tax Loss Harvesting Question
http://farm8.staticflickr.com/7573/16073696762_b364c37498_b.jpg Just a quick look back from the original post and chart to now The benefits of diversification are great as the Australian market has hardly moved I actually sold my VGB and purchased VAF as per my initial post Vanguard® Australian Government Bond Index ETF - VGB ETF class net asset value (NAV)18.1 million Fund NAV 133.1 million The Vanguard Australian Government Bond Index ETF invests in securities (bonds) issued by the Commonwealth Government of Australia and Australian State Government financing authorities and treasury corporations. And purchased the newer fund (both have the same MER and Benchmark against the Bloomberg AusBond Composite 0+ Yr Index). Vanguard® Australian ...
- Fri Dec 19, 2014 4:55 pm
- Forum: Non-US Investing
- Topic: [Australia] New Vanguard ETF's
- Replies: 4
- Views: 1997
[Australia] New Vanguard ETF's
Vanguard recently (Nov 2014) announced the expansion of its suite of low cost products with the launch of two new international shares exchange traded funds (ETFs) quoted for trading on the Australian Stock Exchange (ASX) I currently hold VAS - Vanguard® Australian Shares Index ETF (MER 0.15%) VEU - Vanguard® All-World ex-US Shares Index ETF (MER 0.15%) VTS - Vanguard® US Total Market Shares Index ETF (MER 0.05%) VAF - Vanguard® Australian Fixed Interest Index ETF (MER 0.20%) Is there any worth/value in looking at the new fund offerings? https://www.vanguardinvestments.com.au/retail/ret/investments/etfs.jsp#etfstab The Vanguard MSCI Index International Shares ETF (ASX: VGS) and the Vanguard MSCI Index International Shares (hedged) ETF (ASX:...
- Fri Dec 19, 2014 7:17 am
- Forum: Personal Investments
- Topic: Real Estate property vs index funds for kids
- Replies: 10
- Views: 2472
Re: Real Estate property vs index funds for kids
45-year old, both spouses working (high tax bracket), teenage kids, college funds on track, retirement savings on track, all is well. Question: In terms of investing for the kids to secure their financial future, what is your recommendation in terms of setting up custodial accounts for them and investing in passive index funds and letting it grow vs buying real estate properties (short sale?) for them. Real estate has the benefit of being a tangible asset, something the kids can actually use to live in as they start off their adult life. But index funds have the advantage of being, well, cold hard cash! RE can be bought on leverage which means we would make a down payment and then pay off the balance vs buying more shares of the index fund...
- Thu Nov 06, 2014 5:27 am
- Forum: Personal Investments
- Topic: Good book for 13 year old?
- Replies: 14
- Views: 2649
Re: Good book for 13 year old?
The Richest Man In Babylon
Someone should make a youtube cartoon on it
Someone should make a youtube cartoon on it
- Thu Oct 23, 2014 11:51 pm
- Forum: Investing - Theory, News & General
- Topic: Can you outperform [an index by rebalancing]?
- Replies: 12
- Views: 1737
Re: Can you outperform [an index by rebalancing]?
Thanks all, some interesting posts and viewpoints above
Looking at an example of say the below which is an ASX200 fund (Vanguards Australian Index fund is an ASX300 fund) and compared to Vanguards Bond Index (VGB - the red line) the ASX200 fund is nearly back to where it started over 12 months ago, however if you had been investing in it along the way (Dollar Cost Averaging, or Value Cost Averaging) then on the times that you purchased below "zero" on the line, then surely by years end those purchases would be above zero as the cost base was lower ?
Looking at an example of say the below which is an ASX200 fund (Vanguards Australian Index fund is an ASX300 fund) and compared to Vanguards Bond Index (VGB - the red line) the ASX200 fund is nearly back to where it started over 12 months ago, however if you had been investing in it along the way (Dollar Cost Averaging, or Value Cost Averaging) then on the times that you purchased below "zero" on the line, then surely by years end those purchases would be above zero as the cost base was lower ?
- Thu Oct 23, 2014 5:58 pm
- Forum: Investing - Theory, News & General
- Topic: Can you outperform [an index by rebalancing]?
- Replies: 12
- Views: 1737
Can you outperform [an index by rebalancing]?
I cannot see if it's posted here however, can you outperform the index?
Say you have a three (or four) fund portfolio and invest into it regularly, rebalancing quarterly by adding new money to any lagging index, then over time will you outperform that index given that you have been buying when it has been at a lower points over time and getting a greater return?
Say you have a three (or four) fund portfolio and invest into it regularly, rebalancing quarterly by adding new money to any lagging index, then over time will you outperform that index given that you have been buying when it has been at a lower points over time and getting a greater return?
- Wed Oct 22, 2014 8:45 am
- Forum: Investing - Theory, News & General
- Topic: Investment Blogger - Do I need to be a registered adviser?
- Replies: 6
- Views: 926
Re: Investment Blogger - Do I need to be a registered advise
What do you use to Blog though?
A free hosting site, or paid site etc?
A free hosting site, or paid site etc?
- Sun Oct 12, 2014 5:22 pm
- Forum: Investing - Theory, News & General
- Topic: Rebalancing Bands
- Replies: 15
- Views: 2189
Re: Rebalancing Bands
Would you have been rebalancing like crazy as each band was breached after 9/11, at the start of the 2003 Iraq war,or during the economic crisis of 2008/2009..or would you just have rebalanced annually In my case if I rebalanced quarterly with new money and in between then and the next quarter a rebalancing band was breached due to a really bad day, am I now not getting the same index at a discount to my recent purchase, realising that over the long term the trend is up and there are opportunities to be had in times of volatility? One of the indices (is that the correct term) is now at roughly the same level (sans dividends) that it was a year ago, If I was rebalancing annually at this point (October) it is at status quo, however there have...
- Sun Oct 12, 2014 4:41 pm
- Forum: Non-US Investing
- Topic: Australian - buying international shares fund?
- Replies: 7
- Views: 916
Re: Australian - buying international shares fund?
Yep,adrian2 wrote:IMHO, the shoe is now on the other foot!SDBoggled wrote:Just a warning to watch unhedged international funds when/if the Australian dollar is low. In the early 2000s the AUD was at 0.52 and by the end of the decade it was over 1.00.
IMHO this would completely swamp any benefit of owning unhedged international funds.
Several aussies I know who purchased US property in the bust are now benefiting with both Capital Growth and the dollar conversions
- Sun Oct 12, 2014 4:38 pm
- Forum: Personal Consumer Issues
- Topic: Anybody using dash cameras?
- Replies: 30
- Views: 7897
Re: Anybody using dash cameras?
A local guy had one for capturing any accidents to assist with insurance, however it actually captured a road rage incident and he passed on the footage to Police which assisted
- Sun Oct 12, 2014 4:35 pm
- Forum: Personal Consumer Issues
- Topic: Pull-ups and Push-ups
- Replies: 678
- Views: 182110
Re: Pull-ups and Push-ups
We had a small test with our fitness group the other day
How long can you hold the plank position for (on elbows, no arching)?
How Long can you hold a wall sit position for (back against wall, arms loose by side, thighs at 90 deg)?
How many push-ups can you do in a minute (chest nearly to ground and up all the way)?
How many (from a dead hang) pull-ups can you do?
For me it was
2 minutes
1 minute 20
55
5
I may do the test regularly to monitor any improvements
How long can you hold the plank position for (on elbows, no arching)?
How Long can you hold a wall sit position for (back against wall, arms loose by side, thighs at 90 deg)?
How many push-ups can you do in a minute (chest nearly to ground and up all the way)?
How many (from a dead hang) pull-ups can you do?
For me it was
2 minutes
1 minute 20
55
5
I may do the test regularly to monitor any improvements
- Sun Oct 12, 2014 4:28 pm
- Forum: Investing - Theory, News & General
- Topic: Dividends from Index Funds
- Replies: 5
- Views: 1523
Re: Dividends from Index Funds
MaybeMN Finance wrote:My assumption is that you're thinking one question, but actually asking another. You're asking about "yield" but that's not what you mean. Yield is a figure you look up online. You know what that is already. What are you asking?
How much would he need in a 3 fund portfolio to live off the dividends?
He was looking at $2M with 5% dividends overall
- Fri Oct 10, 2014 7:43 pm
- Forum: Investing - Theory, News & General
- Topic: Rebalancing Bands
- Replies: 15
- Views: 2189
Re: Rebalancing Bands
I may be overthinking it
It just seems that when the bands are breached it maybe an opportunity to capitalise on the volatility, assuming long term the trend is up
It just seems that when the bands are breached it maybe an opportunity to capitalise on the volatility, assuming long term the trend is up
- Fri Oct 10, 2014 7:30 pm
- Forum: Personal Consumer Issues
- Topic: Indoor rowing machine - worth it?
- Replies: 73
- Views: 9711
Re: Indoor rowing machine - worth it?
I'd like to have a try of the Ski ERG also
We have the concept2 rowers at our Gym, the cost to buy the cheapest Model (D) is $1,353.00
We have the concept2 rowers at our Gym, the cost to buy the cheapest Model (D) is $1,353.00
- Fri Oct 10, 2014 7:27 pm
- Forum: Investing - Theory, News & General
- Topic: Japan, 1989
- Replies: 161
- Views: 51228
Re: Japan, 1989
Re: Japan
Japan is shrinking at a record pace. The country lost 244,000 people in 2013 as births plunged and deaths soared. It faces the prospect of losing a third of its population in the next 50 years, raising fears about its economic prospects and labour market.
Japan is shrinking at a record pace. The country lost 244,000 people in 2013 as births plunged and deaths soared. It faces the prospect of losing a third of its population in the next 50 years, raising fears about its economic prospects and labour market.
- Fri Oct 10, 2014 6:43 pm
- Forum: Investing - Theory, News & General
- Topic: Rebalancing Bands
- Replies: 15
- Views: 2189
Rebalancing Bands
Just playing around with a spreadsheet
Is 10% as a Rebalancing band okay or too loose?
Is 5% as a Rebalancing band too tight?
I am adding new money each quarter to Re-Balance, so the bands would be breached between those periods if the markets are volatile
Is 10% as a Rebalancing band okay or too loose?
Is 5% as a Rebalancing band too tight?
I am adding new money each quarter to Re-Balance, so the bands would be breached between those periods if the markets are volatile
- Fri Oct 10, 2014 6:36 pm
- Forum: Investing - Theory, News & General
- Topic: Dividends from Index Funds
- Replies: 5
- Views: 1523
Dividends from Index Funds
Just curious as to what dividends the 3 index funds have been returning?
A friend was discussing 75% in an US Index Fund, 25% in an Aussie Index Fund and 25% in an emerging markets (china, india, HK) index
Say VTS, VAS and VEU (ASX)
He was hoping $2M invested would bring in 5% yield or $100k p/a
Is this 5% yield achievable ?
A friend was discussing 75% in an US Index Fund, 25% in an Aussie Index Fund and 25% in an emerging markets (china, india, HK) index
Say VTS, VAS and VEU (ASX)
He was hoping $2M invested would bring in 5% yield or $100k p/a
Is this 5% yield achievable ?
- Thu Sep 25, 2014 12:38 am
- Forum: Personal Consumer Issues
- Topic: Indoor rowing machine - worth it?
- Replies: 73
- Views: 9711
Re: Indoor rowing machine - worth it?
I like to mix it up but the Concept2 Rower and some weights are a great mix for a quick workout
The other morning after a quick warm up I did the below for 4 sets moving from one exercise to the next without a break
Row 500M
10x15kg Dumbell Thrusters
10x 20kg Kettlebell Swings
Back to 500M row...and so on for the remaining 3 sets
Nice and quick and a great wake up for the day
The other morning after a quick warm up I did the below for 4 sets moving from one exercise to the next without a break
Row 500M
10x15kg Dumbell Thrusters
10x 20kg Kettlebell Swings
Back to 500M row...and so on for the remaining 3 sets
Nice and quick and a great wake up for the day
- Wed Aug 27, 2014 10:43 pm
- Forum: Investing - Theory, News & General
- Topic: How I beat Indexing... in 1 hour
- Replies: 89
- Views: 21703
Re: How I beat Indexing... in 1 hour
Gives us Septembers picks now Supersaver
- Tue Aug 26, 2014 8:02 am
- Forum: Personal Finance (Not Investing)
- Topic: Telling my friends I paid off my house was a mistake.
- Replies: 73
- Views: 14544
Re: Telling my friends I paid off my house was a mistake.
Some friend may think you had some LUCK to get where you are, but LUCK is just Labouring Under Correct Knowledge
There's also RISK in everything we do, financial and otherwise, RISK is Likelihood x Consequences.
No RISK No REWARD
There's also RISK in everything we do, financial and otherwise, RISK is Likelihood x Consequences.
No RISK No REWARD
- Fri Aug 15, 2014 6:20 pm
- Forum: Personal Consumer Issues
- Topic: The Funniest Movie Ever
- Replies: 227
- Views: 27687
Re: The Funniest Movie Ever
For me A Fish Called Wanda
Bridesmaids was pretty good as was the original Hangover movie
Bridesmaids was pretty good as was the original Hangover movie