Search found 17 matches

by greg219
Sat May 23, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Re: Desired asset allocation for temporary US person?

If I end up in the US for a few years my USD cash/CDs would be intended to provide transition/liquidity/emergency funds during my stay rather than being a permanent part of my asset allocation. USD bond returns as part of an asset allocation will be dominated by foreign currency returns/risk. So yo...
by greg219
Thu May 21, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Re: Desired asset allocation for temporary US person?

And for bonds in a long term investment, why would you hold bonds denominated in US$? When you're home in a few years, the risk for you of bonds denominated in US$ will be dominated by currency fluctuations. To my mind, that's not what you want for the safe part of your long term investment portfol...
by greg219
Thu May 21, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Re: Desired asset allocation for temporary US person?

Do you know if there is a tax treaty with your expected future home? If not, the estate tax treatment for sums above $60,000USD may be punitive. I don't, it's something I'll have to understand better. I planned to focus my investments on stocks and use cash/CDs (both US and 'home') as my fixed-inte...
by greg219
Tue May 19, 2015 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Re: Desired asset allocation for temporary US person?

Why are you contributing to a 401(k) when you plan to withdraw it in a few years? Between the large withdrawal forcing you into a higher tax bracket and the early withdrawal penalty it may be best to forgo the 401(k) except possibly to claim an employer match. Yep, I have a 50 % employer match (i.e...
by greg219
Mon May 18, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Re: Desired asset allocation for temporary US person?

Any thoughts from anyone on this? Thanks again.
by greg219
Sat May 16, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Desired asset allocation for temporary US person?
Replies: 12
Views: 994

Desired asset allocation for temporary US person?

Dear Bogleheads, Background 28 y/o. Permanent US resident, but not citizen. I am likely to move back to my Scandinavian home country within a few years. Because of FATCA and similar new regulations introduced recently, investing abroad (e.g., in my home country) is tricky for me while being a US per...
by greg219
Tue Mar 24, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Risks buying intl denominated in non-home currency?
Replies: 5
Views: 588

Re: Risks buying intl denominated in non-home currency?

TedSwippet wrote:Cross-border pensions are tricky. [...]

This is great -- thanks for the pointers. I'll need to do some research on this.
by greg219
Tue Mar 24, 2015 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Risks buying intl denominated in non-home currency?
Replies: 5
Views: 588

Re: Risks buying intl denominated in non-home currency?

This is correct. Only the underlying assets matter. The sale in USD and conversion to [some kind of] kroner would cancel out the currency volatility, assuming the conversion is done fast enough to make the volatility after sale negligible. Thanks for confirming. I'm curious then how such a fund act...
by greg219
Tue Mar 24, 2015 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Risks buying intl denominated in non-home currency?
Replies: 5
Views: 588

Risks buying intl denominated in non-home currency?

Dear fellow Bogleheads, Short version of my question: Does it matter for any relevant aspect in which currency a global fund in one's portfolio is denominated? Or, similarly: If I have a home bias in currency X, but can access a global fund in currency Y much cheaper, are there any reasons why I sho...
by greg219
Thu May 02, 2013 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: AA for 5 year investment?
Replies: 8
Views: 1192

Re: AA for 5 year investment?

Why not buy now? What's missing? Not enough down? Insufficient cash flow? There are many risks to consider and hedge for the mid range period you specify. Usually, near term property purchases assume sufficient down, and preserving that necessary down payment is essential. If you're short, you're t...
by greg219
Wed May 01, 2013 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: AA for 5 year investment?
Replies: 8
Views: 1192

Re: AA for 5 year investment?

Thanks for your input. This seems overly defensive from my POV. The 5 year CDs I can find don't even beat inflation (they're like 1.60 % APY tops). What do you think of a bond fund with average maturities of one year? Also, maybe you know of an earlier thread where this has been discussed? This cert...
by greg219
Wed May 01, 2013 2:30 am
Forum: Investing - Help with Personal Investments
Topic: AA for 5 year investment?
Replies: 8
Views: 1192

AA for 5 year investment?

Hi all, I'm sure this topic has been discussed previously, but I can't find much on it (except for a short topic ). I'm planning to buy my own house/apt five years from now. To be able to put up a decent down payment, I will set aside $75k right away, and for every month for the coming five years, I...
by greg219
Fri Apr 26, 2013 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Roll out initial investments over how long time?
Replies: 20
Views: 987

Re: Roll out initial investments over how long time?

Thanks for all of your replies; appreciate you taking your time. I realize now that the following wiki article largely answers my questions -- so sorry for having missed that previously: http://www.bogleheads.org/wiki/Dollar_cost_averaging I don't think there is a correct answer here, rolling out is...
by greg219
Thu Apr 25, 2013 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Roll out initial investments over how long time?
Replies: 20
Views: 987

Roll out initial investments over how long time?

Hi all, I've recently learned a lot about personal investing and saving for retirement, but I haven't yet started investing. Currently, I have all my money in savings accounts, but after recent learnings, I've now come up with a reasonable asset allocation that I want to follow (something like 70/30...
by greg219
Mon May 28, 2012 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign young professional seeking advice
Replies: 12
Views: 767

Re: Foreign young professional seeking advice

Thanks again for all of your responses. I guess I've been trying to figure out what the "optimal" strategy is but I'm starting to realize there's probably not such a thing which is general for everyone. It all depends on personal preferences, plus there are so many unknown factors playing ...
by greg219
Sun May 27, 2012 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign young professional seeking advice
Replies: 12
Views: 767

Re: Foreign young professional seeking advice

Thanks for the responses -- I really appreciate you taking your time trying to figure this out together with me. I think you may have received few responses since you are asking hard questions. Good -- that means I don't feel confused for nothing. :-) (But yes, I'd like to see even more responses, o...
by greg219
Sat May 26, 2012 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign young professional seeking advice
Replies: 12
Views: 767

Foreign young professional seeking advice

Hi everyone, I found out about the Bogleheads quite recently and I must say I am very impressed with the quality of the wiki and the forum. It is a very valuable resource for anyone going into personal finance and investing. First my situation and then I'll get to the questions: - 25 y/o w/ a steady...

Go to advanced search