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Re: Should non-US investors buy US-listed REITS?

chasiu209 wrote: my bias is there isn't!


Well I guess you have your strategy worked out then :)
by avbferry
Tue Aug 12, 2014 6:24 am
 
Forum: Investing - Theory, News & General
Topic: Should non-US investors buy US-listed REITS?
Replies: 41
Views: 3104

Re: Should non-US investors buy US-listed REITS?

I think I read someone suggesting selling before dividend and buying back. Not sure if this generates capital gains tax however? Of course there'll be extra commission but that should be trivial if we manage to 'dodge' this 30% levy! Hi Chasiu, I am no tax expert. However, I don't believe there is ...
by avbferry
Mon Aug 11, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Should non-US investors buy US-listed REITS?
Replies: 41
Views: 3104

Re: Should non-US investors buy US-listed REITS?

Thanks Ted again. I'm re-reading this post and I think the Ireland domiciled counterparts warrant serious considerations for non-resident aliens like myself. if we stick with Larry E. Swedroe's assumption - Dividend component has constituted more than 60% of the total return on equity REITS. Then a...
by avbferry
Sat Aug 09, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Should non-US investors buy US-listed REITS?
Replies: 41
Views: 3104

Re: Total Bond Market

Thanks for the article.

Can someone please explain what this means "And that’s when you take foreign sovereign bonds and hedge them back to the dollar—you’ve basically got U.S. bonds."

Don't quite understand what he means.
by avbferry
Sun Jun 29, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond Market
Replies: 5
Views: 1698

Re:

Hi Matt, I first downloaded the 3.0.0a Beta version for Windows that you posted on Page 3 of this thread. I had previously been running the first version and adding the dividends manually. After doing this, I then downloaded the update, however I am getting an error message that I must open and run...
by avbferry
Thu May 08, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 181
Views: 63799

Re: the role of international bonds

Great article waiting for tomorrow's edition :D
by avbferry
Thu May 08, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: the role of international bonds [Part 1 of 2]
Replies: 12
Views: 1297

Re: Free "If You Can" Kindle and .pdf eBook

Could someone share the ebook with us people from other countries?
by avbferry
Sat Apr 05, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 12265

Re: Investing in Equities, But Avoiding Market Top

There was a pretty good article posted a few months back about some hypothetical investor who put his money in only at the peak of the markets and somehow still came out fine... anyone able to provide the link?

Can't seem to find it via the search.
by avbferry
Sat Apr 05, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Equities, But Avoiding Market Top
Replies: 13
Views: 1137

Question on Form 1042-S

Hi all, Non-resident of the US here. Bought Vanguard ETFs in the US and received a Form 1042-S from my US broker. I understand that dividends received would be subject to a 30% withholding tax (say $x). However, there was a separate column (Box 9) which stated I had a withholding tax credit of the s...
by avbferry
Sat Apr 05, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on Form 1042-S
Replies: 1
Views: 150

Re: Sleeping With Bonds!!!!!

greg24 wrote:The conventional wisdom on this board has become that you can't time the equities market, but you can time the fixed income market.


Time the fixed income market? Any good threads on that I can refer to? Thanks.
by avbferry
Fri Jan 31, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 7714

Re: Good Non-US ETFs

Bump! thank you.
by avbferry
Thu Sep 05, 2013 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Non-US ETFs
Replies: 7
Views: 809

Re: Non-US ETF substitute for VT

Perhaps Vanguard's FTSE All-World ETF , which trades on the London stock exchange (UK tax reporting) under the ticker VWRL, and is registered in Denmark, France, Ireland, Germany, Luxembourg, Netherlands, Sweden, Switzerland and United Kingdom , and has a 0.25% expense ratio. Bob Hi Bob, Thanks for...
by avbferry
Thu Aug 29, 2013 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Non-US ETFs
Replies: 7
Views: 809

Good Non-US ETFs

Hi all, I am currently looking for good non-US ETFs for Global Equities. I currently invests in Vanguard Total World Stock ETF (VT). Given that I am a non-US resident, I get hit pretty hard each time dividends are paid (30%). Just wondering if there are any non - US ETFs that are similar to VT in te...
by avbferry
Wed Aug 28, 2013 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Non-US ETFs
Replies: 7
Views: 809

Invested in some companies. To sell?

Hi all, Bought a few stocks for commodity companies a few years back. Never really monitored them. The sector hasn't been doing well so unsurprisingly I have racked up pretty substantial losses. I no longer but individual companies, instead I purchase index funds. What would you do in my situation, ...
by avbferry
Fri Aug 23, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Invested in some companies. To sell?
Replies: 1
Views: 174

Re: Insurance benefits illustration

What type of policy? For most polices there are guaranteed numbers and current assumption numbers. Hi Dhodson, I am referring to a life insurance policy. This is a sample I was looking at: https://dl.dropboxusercontent.com/u/17604288/Benefits%20illustration.jpg I was wondering: (1) How is the effec...
by avbferry
Sun Jul 21, 2013 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance benefits illustration
Replies: 9
Views: 570

Insurance benefits illustration

Hi all,

Is there a good guide somewhere on how to interpret the benefits illustration for an insurance policy? I have a problem figuring out how the numbers gel together.

Many thanks!
by avbferry
Sat Jul 20, 2013 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance benefits illustration
Replies: 9
Views: 570

Re: Insurance

term is a form of life insurance so your question really doesn't make sense likely you have some form of permanent insurance such as whole life or universal. both are horrible investments but once purchased, there is no pretty way out. If you have had the policy a long time and its whole life then ...
by avbferry
Sat Jul 13, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: [Switching to Term Life] Insurance
Replies: 6
Views: 440

[Switching to Term Life] Insurance

Hi all, Have been reading the Bogleheads Guide to Investing and it suggest that we should buy term insurance over life insurance. Suppose my parents purchased the life insurance policy for me previously, how best can I go about switching over to term insurance? I believe there would be substantial c...
by avbferry
Sat Jul 13, 2013 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: [Switching to Term Life] Insurance
Replies: 6
Views: 440

Re: YOUR QUESTIONS FOR THE EXPERTS PANEL

How would they recommend non-US residents / citizens allocate their investments? For example with regards to dealing with asset allocations, ETFs to consider, should they invests in bond ETFs in the US or at their place of residence, estate duties for residents not from a country with tax treaty wit...
by avbferry
Sun Jul 07, 2013 11:07 am
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 8655

Re: Dividends

CABob wrote:
I live in Singapore. Am a resident there. I invest in Vanguard Total World Stock Idx Fd (ETF). The US witholds that 30% tax.
So I assume from your post that you are a US citizen, correct?


Yes, that is correct.
by avbferry
Fri Jul 05, 2013 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 9
Views: 1451

Re: Dividends

I don't understand. Where do you live, what country are you a citizen of, what country are the investments in, and who exactly is withholding the 30% tax? Apologies of the lack of details. I live in Singapore. Am a resident there. I invest in Vanguard Total World Stock Idx Fd (ETF). The US witholds...
by avbferry
Wed Jul 03, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 9
Views: 1451

Re: Dividends

KyleAAA wrote:Totally depends on the tax laws where you live. In the US, this would NOT exempt you from tax.


My country does not have a treaty with the US. What are the implications?
by avbferry
Tue Jul 02, 2013 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 9
Views: 1451

Dividends

Hi all, Recently got paid dividends and was subject to a 30% tax (I am a non-US resident). I noted that my broker has this dividend reinvestment program ("If you are not enrolled in the Dividend Reinvestment Program, the amount shown below has been credited to your account.") Does it mean ...
by avbferry
Tue Jul 02, 2013 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 9
Views: 1451

Re: Computing return on investment

The XIRR function in Excel is very easy to use...all you need are dates and amounts. Net influx is negative and net ourflow is positive. Add today's date and current value at bottom. .............. Column A ..... Column B Row 1 ..... 1/1/2013..... $-10000 Row 2 ..... 2/1/2013..... $-100 Row 3 ........
by avbferry
Tue Jun 25, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Computing return on investment
Replies: 9
Views: 500

Re: Computing return on investment

What happens if it is over several periods eg. 1.5 years. How should the formula be modified? If you want to compute annual rate of return, simply divide your results from the formulas above by the number of years — for example, 14.3% / 1.5 years = 9.5% annual return. Hi Simplegift, Thanks for the ...
by avbferry
Tue Jun 25, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Computing return on investment
Replies: 9
Views: 500

Re: Computing return on investment

Using the XIRR function in Excel, suggested by gkaplan above, will give you the most accurate results. But if you don't need that level of precision (or don't want to bother with all the data input), this quick and easy method will give you a rough picture: If no net additions or withdrawals for th...
by avbferry
Tue Jun 25, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Computing return on investment
Replies: 9
Views: 500

Computing return on investment

Hi all,

Just wondering if there is a formula or spreadsheet around to help us compute our return on investment?

How does one factor in additional capital investments throughout the period?

Thanks!
by avbferry
Tue Jun 25, 2013 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Computing return on investment
Replies: 9
Views: 500

Dumb Idea: Rebalancing Boosts Returns

Just wondering if you guys have any thoughts on this?

http://www.forbes.com/sites/baldwin/201 ... r=yahootix

Based on all the material that I have been reading previously, rebalancing seems to be recommended.

Thanks.
by avbferry
Mon Mar 18, 2013 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Dumb Idea: Rebalancing Boosts Returns
Replies: 53
Views: 6003

Re: I hit my number today.

Congrats to Gordon! To those who are interested in how to determine one's number, one entertaining book on how one man thoroughly explored finding the number is Lee Eisenberg's The Number . Part philosophy, part mysticism, and highly individualistic, Lee explores many avenues to the number and many...
by avbferry
Sun Mar 10, 2013 5:48 am
 
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7394

Re: Free eBook offer

Could this be made available to people in other regions? Like Asia?
by avbferry
Sun Mar 10, 2013 5:38 am
 
Forum: Investing - Theory, News & General
Topic: Free eBook offer
Replies: 8
Views: 1385

Re: Deployment of investments

Hi Brian, I did do some research on US brokerages before. For someone trading infrequently, the cost savings aren't substantial since funding of US brokerages would have to be done by costly telegraphic transfers. I'm confused. You stated above that you were using a local US brokerage, ETrade. Why ...
by avbferry
Mon Jul 23, 2012 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deployment of investments
Replies: 13
Views: 1228

Re: Deployment of investments

What about TD Ameritrade? I don't recall their policies with regards to foreign residence, but they have a good selection of no-commission ETFs. Brian Hi Brian, I did do some research on US brokerages before. For someone trading infrequently, the cost savings aren't substantial since funding of US ...
by avbferry
Mon Jul 23, 2012 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployment of investments
Replies: 13
Views: 1228

Re: Deployment of investments

pkcrafter wrote:You can rebalance with new money, but why use ETrade when you can just use Vanguard and have no commissions? Also, this must be a taxable account, so are you maxing tax deferred options?

Paul


Vanguard does not accept foreign investors.
by avbferry
Sat Jul 21, 2012 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deployment of investments
Replies: 13
Views: 1228

Re: Getting started with investments

Your question confuses me. Rebalancing generally refers to adjusting your asset allocation within your current portfolio so there would not necessarily be any new money involved. New investments should be a budget item in your expenditures and it is what you want it to be subject to the limitation ...
by avbferry
Sat Jul 21, 2012 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deployment of investments
Replies: 13
Views: 1228

Deployment of investments

I am about to start investing in VT. Just wondering, which method is recommended, should I (1) Invest one lump sum upfront or over several months? My concern with investing over several months is that it raises commissions incurred (I currently pay 19.99 per trade) (2) I intend to do rebalancing on ...
by avbferry
Sat Jul 21, 2012 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployment of investments
Replies: 13
Views: 1228

Re: Dealing with foreign currency risk

Thanks for the update Charybdis.

There are many ETFs offering international diversification for equities. However, are there similar ones for bonds with low expense ratios and which are indexed/passively managed?
by avbferry
Tue Jul 03, 2012 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with foreign currency risk
Replies: 21
Views: 2779

Re: Buy ETFs with Market or Limit Order?

jasonlitka wrote:You guys know you're bumping a thread from April 2007, right?


Yes. But I didn't want to create a separate thread just to ask a question along the same line.
by avbferry
Tue Jul 03, 2012 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Buy ETFs with Market or Limit Order?
Replies: 49
Views: 10562

Re: Buy ETFs with Market or Limit Order?

^In other words, buy VT when the bid/ask spread is 4 cents or less. :) And perhaps on a RBD, too. Thanks for the tip. What does RBD mean? 4. At $19.99, please switch brokers today. Check your broker (and your new broker) to see how partial fills are handled. If I submit a single order good-for-one-...
by avbferry
Sun Jul 01, 2012 1:34 am
 
Forum: Investing - Theory, News & General
Topic: Buy ETFs with Market or Limit Order?
Replies: 49
Views: 10562

Re: Buy ETFs with Market or Limit Order?

I am happy to use market orders sometimes for things that are trading lots of shares and the bid/ask spread is about a penny. For example, VNQ and VWO are very actively traded. I am trying to buy about 250 units of VT (Vanguard Total World Stock Index ETF). The bid-ask spread is about $4.55 (48.73 ...
by avbferry
Sat Jun 30, 2012 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Buy ETFs with Market or Limit Order?
Replies: 49
Views: 10562

Re: Buy ETFs with Market or Limit Order?

Is it right to say that if I use Market order, my order would be executed at the current Ask price?
by avbferry
Sat Jun 30, 2012 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Buy ETFs with Market or Limit Order?
Replies: 49
Views: 10562

Mutual fund foreign currency hedging

In the prospectus of a mutual fund I have been looking at, it indicated that some form of currency hedging is in place. What confuses me then is why the USD Class units are showing a positive return since inception while the SGD Class units show a negative? Shouldn't they move in the same direction?...
by avbferry
Fri Jun 22, 2012 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund foreign currency hedging
Replies: 0
Views: 154

ETF selection

I have been trying to select ETFs with low expense ratios and a global portfolio. I have found the following which suit my criteria. - Vanguard Total World Stock ETF (VT) - Vanguard FTSE All-World Index ETF (VWRL) VT seems to be a better deal given that its index is wider in scope in that it also co...
by avbferry
Fri Jun 22, 2012 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF selection
Replies: 1
Views: 213

Re: Bond question

In which case the proper question is about whether bonds with different prices and coupons would be the same or different. And the answer is that they would be different, as you say. The original post did specify that all else (which I took to include price and coupon) is equal; in that case, the b...
by avbferry
Mon Jun 04, 2012 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 11
Views: 1364

Bond question

Several books I have been reading recommend that we should be buying short term bonds around 5 years or so. Just wondering, all else equal, is a 5 year bond equal to that of a 7 year bond with 5 years to mature (ie. 2 years have passed since its issue) or a 6 year bond with 5 year to mature (ie. 1 y...
by avbferry
Mon Jun 04, 2012 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 11
Views: 1364

Re: Dealing with foreign currency risk

Personally, I don't see any of the options as particularly appealing or time/cost effective for most people under most scenarios over the long term. Many thanks for the suggestions. Unfortunately, given the size of my investments it would not be cost effective to implement them. I think the concept...
by avbferry
Mon Jun 04, 2012 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with foreign currency risk
Replies: 21
Views: 2779

Re: Dealing with foreign currency risk

I would tend to own a globally diversified portfolio of equities and predominantly home currency fixed income instruments (especially if SG govt issues inflation linked bonds!). However if globally diversifying bonds, stick to very high quality governments (US, Canada, Australia, UK, Germany, certa...
by avbferry
Fri Jun 01, 2012 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with foreign currency risk
Replies: 21
Views: 2779

Re: Dealing with foreign currency risk

See my other post. What are you intending to hedge? When will you need these foreign currencies? A USD bank account is a currency hedge. So is a GBP one. Thanks Valuethinker for the comments. I am intending to hedge the USD. I would probably need the money only 30 years down the road. May I know ho...
by avbferry
Fri Jun 01, 2012 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with foreign currency risk
Replies: 21
Views: 2779

Dealing with foreign currency risk

As a foreign investor, I have been searching for ideas on how to deal with foreign currency risk. Some websites suggest using currency ETFs. Another suggested buying Gold ETF (though I still can't understand the rationale for this). Are these methods advisable? My base currency is Singapore Dollar. ...
by avbferry
Thu May 31, 2012 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with foreign currency risk
Replies: 21
Views: 2779

Re: Vanguard ETF lot size

There is no "standard lot" size. You can buy 1 or 7 or 15 or 223 shares or any other integer number of shares. You cannot buy fractional shares. Did I understand the question? Dale Yes, Dale, That is what I meant. I believe that applies the same too for selling right? Did you mean the cre...
by avbferry
Tue May 29, 2012 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF lot size
Replies: 7
Views: 735
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