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Re: Only dividend distribution funds in the US ?

I am in this same situation as a non-US investor. The solution for me was to invest in the Irish/LSE equivalents to achieve what you are looking for. I have found that between Vanguard and iShares you can get what you want, although iShares is the only one that has the accumulation shares.
by mrsub
Fri Jul 12, 2013 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only dividend distribution funds in the US ?
Replies: 5
Views: 532

Re: REITS

REITs follow very closely to the change in interest rates. If you want to know whether now is a good time I would be hesitant and wait to see what happens with the 10y treasuries (2.6% as I write this). As they continue to increase in interest rates, the REITs will suffer. The trend for rates may co...
by mrsub
Fri Jul 12, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITS
Replies: 26
Views: 2875

backtesting software or website?

Hi guys, besides ETFReplay, do you have any recommendations for competent back-testing websites or software either free or worth paying for? Ideally I would be able to use non-US based funds as well when I do the testing. Also, do such pieces of software include the re-investment of dividends? Thanks!
by mrsub
Tue Jul 09, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: backtesting software or website?
Replies: 1
Views: 253

Re: Which is the best "Lazy Portfolio" - and do you follow t

It all depends on your time frame. If you have decades and can ride declines like 2008 without batting an eye, yah it may perform the best assuming of course no major problems with the USA or the dollar or the markets there. That's a lot of assumptions. I don't see any advantage of putting all your ...
by mrsub
Tue Jul 09, 2013 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Which is the best "Lazy Portfolio" - and do you follow t

I am currently deep into reading Swensen's "Unconventional Success" and although only about 2/3 way through it is clear he would not settle for just a 2 or 3 fund portfolio as some of these lazy portfolios seem to advocate. Sure they may work for the most part, but his reasoning is that th...
by mrsub
Tue Jul 09, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Which is the best "Lazy Portfolio" - and do you follow t

rj49, the only problem with those funds is that in order to maintain the distributions they could very well be returning a portion of the principle so it may be a false sense of security don't you think? Also, I checked the breakdown of such funds and they invest in things like: Vanguard Market Neut...
by mrsub
Sat Jul 06, 2013 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Which is the best "Lazy Portfolio" - and do you follow t

Best lazy portfolio? Choose one of the following: ⋅ Vanguard Target Retirement 20XX (whatever is appropriate for your age) ⋅ Vanguard Lifestrategy Moderate Growth ⋅ Vanguard Managed Payout Growth and Distribution (really lazy, since it handles both rebalancing and dist...
by mrsub
Fri Jul 05, 2013 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Which is the best "Lazy Portfolio" - and do you follow t

Thank you for your opinion and replies guys - they are helpful. To address some of your replies, yes I agree 5 years of data is hardly conclusive in regards to the URLs I had shown. For the Harry Browne portfolio in which I had commented there is in fact 40 years of returns which can be viewed here:...
by mrsub
Fri Jul 05, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Which is the best "Lazy Portfolio" - and do you follow t

Here is another portfolio review on the same website:

http://madmoneymachine.com/category/por ... smackdown/

It certainly it hard to argue with the results of the Harry Browne permanent portfolio in comparison to the rest....
by mrsub
Thu Jul 04, 2013 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Which is the best "Lazy Portfolio" - and do you follow them?

Hi all, in my research for what will be the best form of asset allocation for our portfolio we are looking into all the different Lazy portfolios and comparing them to see which are better for both performance and easy of management etc. I have come across a URL here: http://madmoneymachine.com/port...
by mrsub
Thu Jul 04, 2013 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the best "Lazy Portfolio" - and do you follow them?
Replies: 47
Views: 8527

Re: Foreign stocks as a % of your stock asset allocation

I am based in NZ although own no NZ stocks at this time. As a new resident here I earn my money in USD and convert over as necessary my currency when the exchange rate is favorable. The markets here are very small in comparison to the US or the rest of the world and that is why I am hesitant to inve...
by mrsub
Wed Jul 03, 2013 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5875

Re: Securities Lending - do I need to worry about such pract

Seems based on that wiki article Vanguard does indeed engage in similar practices which I guess means its pretty standard stuff. Thanks for your help guys it is appreciated!
by mrsub
Wed Jul 03, 2013 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Securities Lending - do I need to worry about such practice?
Replies: 7
Views: 593

Re: Foreign stocks as a % of your stock asset allocation

Tazdog wrote:It's approximately 30% of equities (.3 * 53.97% = 16.19%) I don't have any bond funds, I use a fixed account paying 3.5% in lieu of bond funds.


Is this what most people here are doing in lieu of their domestic bond allocation?
by mrsub
Tue Jul 02, 2013 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5875

Re: Foreign stocks as a % of your stock asset allocation

Although the US is only about 40% of the global equity market by valuation, a 30% allocation to foreign stocks by US investors has been a good middle-of-the-road allocation. I believe this is still warranted. The US has been leading the rest of the developed world in recent years, and I don't see m...
by mrsub
Tue Jul 02, 2013 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5875

Re: Foreign stocks as a % of your stock asset allocation

Target 2015 only has 15.7%?

https://personal.vanguard.com/us/funds/ ... =INT#tab=2

Did you also mimic their International Bond allocation?
by mrsub
Tue Jul 02, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5875

Foreign stocks as a % of your stock asset allocation

Hi everyone, I am reading up as much as possible on trying to decide what is a typical allocation to foreign stocks to ones portfolio. For example, if you want to have 60% stocks, 40% bonds - out of that 60% stocks, how much are domestic and how much are foreign? I see many examples of portfolio rev...
by mrsub
Tue Jul 02, 2013 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5875

Re: Securities Lending - do I need to worry about such pract

I'm not sure if this is something Vanguard does as well but the problem is for non-US investors Vanguard simply doesn't have a good selection of funds to choose from.

Is this a deal-breaker?
by mrsub
Tue Jul 02, 2013 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Securities Lending - do I need to worry about such practice?
Replies: 7
Views: 593

Securities Lending - do I need to worry about such practice?

Hi guys, as part of putting together my portfolio I was looking into the offerings of iShares and one of the products I am considering to buy: http://uk.ishares.com/en/rc/products/LQDE Has a notice that I would like to get your opinions on. Securities lending is an established and well regulated act...
by mrsub
Tue Jul 02, 2013 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Securities Lending - do I need to worry about such practice?
Replies: 7
Views: 593

Best asset allocation book to read?

Hi guys, it seems a very large part of the focus here is on asset allocation and if I asked you what is the #1 or #2 must read books on this topic prior to investing - what would they be?

(Preferably, one could get these on kindle)
by mrsub
Sun Jun 30, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1963

Re: "The Markets" as a % of your overall investment portfoli

Do you guys worry about currency risk - such as problems with the US dollar in the future? How are you hedging your bets with that?
by mrsub
Sun Jun 30, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: "The Markets" as a % of your overall investment portfolio?
Replies: 17
Views: 1528

"The Markets" as a % of your overall investment portfolio?

Relatively new to all this and with a goal to expand my knowledge on asset allocation and diversification, do you guys mind me asking you what portion of your portfolio - that is - "entire wealth" is invested in the markets? Let's say you have a million dollars in cash, wanted to buy a hou...
by mrsub
Sun Jun 30, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: "The Markets" as a % of your overall investment portfolio?
Replies: 17
Views: 1528

Re: Is "now" a good time to start investing?

Thank you guys for your advice it is appreciated and certainly giving me some "food for thought".
by mrsub
Sun Jun 30, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is "now" a good time to start investing?
Replies: 23
Views: 1704

Re: Is "now" a good time to start investing?

Fair enough, but it's hardly all noise. For example, with so many problems in Europe an educated investor may wish to underweight or completely sidestep indexes with overallocation to that region. Would you consider such avoidance to be a waste of time or prudent planning? What about the bond market...
by mrsub
Sun Jun 30, 2013 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is "now" a good time to start investing?
Replies: 23
Views: 1704

Is "now" a good time to start investing?

Hi guys, I find myself in a position that I am new to index investing and very heavy in cash however I have been following the markets and economic news for many years and realize not all is right in the world. Now, with bond yields rising and stocks at all time highs with a good potential for furth...
by mrsub
Sun Jun 30, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is "now" a good time to start investing?
Replies: 23
Views: 1704

Re: Which ETFs are most tax efficient for non-US investors

Hi guys, I would like to post a follow up here as my research has yielded some answers (to those that may be interested). For Non-US investors, when you buy VUSA (Vanguard) or IUSA (iShares) where they are domiciled in Ireland, because of the USA-Ireland tax treaty there is only 15% withholding taxe...
by mrsub
Fri Jun 28, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Which ETFs are most tax efficient for non-US investors
Replies: 5
Views: 734

Which ETFs are most tax efficient for non-US investors

Hi guys, I am quite glad to have found this forum and have a feeling I will be spending a lot of time here as investing and financial planning is my passion these days. This is my first post so will try to give you a bit of a background from where I am coming from and then perhaps the collective wis...
by mrsub
Thu Jun 27, 2013 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which ETFs are most tax efficient for non-US investors
Replies: 5
Views: 734

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