Search found 1046 matches

by BeBH65
Mon Jun 18, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Interactive brokers screws EU customers
Replies: 4
Views: 606

Re: Interactive brokers screws EU customers

The above seems correct.
Many brokers already complied with the regulations in January, with or without advance warning.
Interactive Brokers seems to implement this with some delay now.


It is my understanding that you forego a lot of legal protection if you request Professional investor status.
by BeBH65
Mon Jun 18, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5034

Re: Young and rich

Wife and I are incredibly lucky, in our 30s with an inheritance that puts our net worth at $1 million. All the advice I see out there for people our age suggests being 90% or more invested in the stock market. But that calculation is, as I understand, designed around the face that future income wil...
by BeBH65
Mon Jun 18, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Equity Offer
Replies: 8
Views: 861

Re: Equity Offer

just a reflexion: They become owner of X% of your house. How much of the ongoing maintenance and taxes will they be paying?
by BeBH65
Mon Jun 18, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio
Replies: 11
Views: 855

Re: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio

Total Stock (VTSAX), Total International (VTIAX), and Total Bond (VBTLX) are the only funds I have, but I am not satisfied with their performance. Do you have any other favorite fund you recommend? Also, if I decide to add another fund, when do you think is the best time to add it? should I wait un...
by BeBH65
Sun Jun 17, 2018 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio
Replies: 11
Views: 855

Re: Adding U.S. Growth Fund Investor Shares (VWUSX) to portfolio

Hello Winter As you mention U.S. growth has been performing well however there is a reason why most financial publications mention past performance is no guarantee of future results adding more U.S. growth may increase the return, or it may not. Don't let the recent past distract you from your plan.
by BeBH65
Sun Jun 17, 2018 4:17 am
Forum: Investing - Help with Personal Investments
Topic: First timer looking for help [Estonia]
Replies: 8
Views: 825

Re: First timer looking for help [Estonia]

Thanks for welcoming me and for the feedback! -Here's my pension fund breakdown: 73% Stocks 8% iShares Developed World ex-Tobacco Index Fund IE00BFG1TM61 0.14% 28% iShares Developed World Index Fund IE00B62WCL09 0.08% 28% iShares World Equity Index Fund LU0839962346 0.13% 9% iShares Emerging Market...
by BeBH65
Sun Jun 17, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: [NON-US (Ireland) ETFs - Deemed disposal rule?]
Replies: 8
Views: 494

Re: [NON-US (Ireland) ETFs - Deemed disposal rule?]

Are you aware of this page Why_invest_in_Ireland-domiciled_ETFs in our wiki.

Look for the sections on tax in this document: iefunds : why ireland

Reversely could you provide us the reference which would state that "deemed disposal" is applicable to non-ireland residents
by BeBH65
Sat Jun 16, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11225

Re: MD&P just purchased X / sold Y [md&pharmacist]

Let me know what details. I've posted my holdings..., relative positions and shares, performance statistics... You have not posted your performance, though many have asked. You’ve posted performance of the funds you hold, which is meaningless. md&pharmacist, To be able to review your personal perfo...
by BeBH65
Sat Jun 16, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: [NON-US (Ireland) ETFs - Deemed disposal rule?]
Replies: 8
Views: 494

Re: [NON-US (Ireland) ETFs - Deemed disposal rule?]

You do not pay taxes to Ireland when you sell etf. You might pay taxes in your home country depending on your tax laws.
by BeBH65
Fri Jun 15, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor 30 yrs old. 500k Saved
Replies: 8
Views: 578

Re: Beginner Investor 30 yrs old. 500k Saved

Hello Rollwave,

You had some answers in the other threads that you started. How have you implemented them?

We need more information to be able to give you targetted responses.
Please consider updating your opening post according to the format in Asking_portfolio_questions
by BeBH65
Fri Jun 15, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Int. Growth vs. Vanguard Total Int.
Replies: 9
Views: 655

Re: Vanguard Int. Growth vs. Vanguard Total Int.

Hello yousha,

Welcome to the forum.
We also have an wiki with lots of good information.

A good page to start is Bogleheads investing_start-up_kit.
The books mentioned in the education section are good to start with.
by BeBH65
Fri Jun 15, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: First timer looking for help [Estonia]
Replies: 8
Views: 825

Re: First timer looking for help [Estonia]

Hello BatChainPuller, Welcome to the forum. You have already received good advise. It should be possible to build a personal portfolio taking into account your positions in your "pension" accounts. - your employer provided pension is already roughly in the equity/bonds split that you want. Do you ha...
by BeBH65
Fri Jun 15, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11225

Re: MD&P just purchased X / sold Y [md&pharmacist]

Hello, To be able to discuss additions to your portfolio we first need to understand what you currently have. Can you please complete the table below. - amount = shares - fund $XXX,XXX = XXX - VFIAX (Vanguard 500 Admiral) $XXX,XXX = XXX - VQNPX (Vanguard Growth and Income) $XXX,XXX = XXX - VWNDX (Va...
by BeBH65
Fri Jun 15, 2018 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Index Fund Investment from a Person in a Small European Country (Bulgaria)
Replies: 10
Views: 763

Re: Index Fund Investment from a Person in a Small European Country (Bulgaria)

Hello Marchev, Welcome to the forum. You are considering in investing in US Large cap and this hedged to the Euro; why? - US Large cap is about 1/2 of the world market; why are you excluding the other half? - it is generally considered that hedging equity is not effective: equity is a lot more volat...
by BeBH65
Tue Jun 12, 2018 4:10 am
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 53
Views: 2951

Re: Looking for EUR holy grail bond strategy

Attention:
This thread is intertwining posts on the different Barclays bond Aggregate indexes and funds, each of them holds different assets: US-Aggregate , Global-Aggregate and earlier Euro-Aggregate
by BeBH65
Mon Jun 11, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with individuals stocks?
Replies: 15
Views: 914

Re: What to do with individuals stocks?

What is the problem if you hold some % in direct stocks and others in index? You have chosen the stocks using a strategy and seems they are doing good. Hold them till you believe in them. I hold both individual stocks and index. You can maybe consider these individual stocks as your play_money_acco...
by BeBH65
Mon Jun 11, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 53
Views: 2951

Re: Looking for EUR holy grail bond strategy

Toine, Isn't the situation for US Aggregate satisfactory since Sept 2008? Fannie Mae and Freddie Mac were put into conservatorship in September 2008, and ever since then have been wards of the government. The placing of Fannie Mae and Freddie Mac in government conservatorship effectively turned thei...
by BeBH65
Mon Jun 11, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How to build a passive portfolio in Norway?
Replies: 11
Views: 853

Re: How to build a passive portfolio in Norway?

Do you want to overweight Value stock? Yes, I was thinking of over-weighting slightly towards value and small caps. I guess you don't like this idea? Not for me to judge. Only you can determine that based on the benefits and drawbacks; the value tilts have been underperforming the market for many m...
by BeBH65
Mon Jun 11, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5243

Re: Strategy for a prolonged bear market

In the event of a prolonged bear market (define the timeframe as you will), does your Investment Policy Statement (IPS) contain a strategy beyond "stay the course" and "rebalance by directing funds to the decreased asset"? I'm just curious if other Bogleheads have adopted lesser discussed strategie...
by BeBH65
Mon Jun 11, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How to build a passive portfolio in Norway?
Replies: 11
Views: 853

Re: How to build a passive portfolio in Norway?

In addition to the funds mentioned above, I will shortly be adding KLP Aksjeglobal Lavbeta 1, which tracks value stocks. Looking at the styolebox that you have posted in the other thread, you already have value stock up to the neutral (not overwieght, not underweight) position. Do you want to overw...
by BeBH65
Mon Jun 11, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: What to do with individuals stocks?
Replies: 15
Views: 914

Re: What to do with individuals stocks?

Based on your other posts you are investing from Norway. This might impact the (tax) cost of selling your current positions. Based on your questions in the other threads you are evaluating different strategies. You might already know our wiki page that explains the principles of our Bogleheads inves...
by BeBH65
Mon Jun 11, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: What to do with individuals stocks?
Replies: 15
Views: 914

Re: What to do with individuals stocks?

Hello AD700,

You have already received a lot of good advise.

Most of this advise is rooted in the Bogleheads investment philosophy.
You can maybe consider these individual stocks as your play_money_account. It is advised to keep this to less then 5% of your portfolio.
by BeBH65
Mon Jun 11, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Non-USA Domicile: Thank You IB, Vanguard, and Ishares
Replies: 25
Views: 2538

Re: Non-USA Domicile: Thank You IB, Vanguard, and Ishares

Lyxor also lowered their fees for some ETFs: Source: https://portfolio-adviser.com/cheapest-etf-europe-launches/ Indeed Lyxor seems to be on the offensive recently. Topics that have been discussed in recent threads are: - iShares Ireland lowering the ER of some of their funds. - Dividend Tax Withho...
by BeBH65
Mon Jun 11, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Mea culpa - market-timing with REITs - what to do now?
Replies: 25
Views: 2807

Re: Mea culpa - market-timing with REITs - what to do now?

Dear Badprogrammer, Welcome to this forum. As mentioned in the header we focus on "Investing Advice Inspired by Jack Bogle". Our wiki explains the principles of our Bogleheads investment philosophy : Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversif...
by BeBH65
Sun Jun 10, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 6007

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

Deal OP,

Have a look at this page on model portfolios. You can see for yourself how many years were negative. No this is not hypothetical.
by BeBH65
Sun Jun 10, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8417

Re: Post Your Morningstar Box Style

I just setup my Morningstar portfolio again. Since I have multiple investment accounts do I need to enter them all under one portfolio to get a combined view of my holdings? Kind of sucks you can’t keep them separate to view each account then combine them for an aggregated view. It seems that it is...
by BeBH65
Sun Jun 10, 2018 5:08 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8417

Re: Post Your Morningstar Box Style

21 - 18 - 16
13 - 10 - 07
07 - 05 - 03
by BeBH65
Sun Jun 10, 2018 5:02 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11225

Re: MD&P just purchased X / sold Y

Thank you for starting this thread. I expect that a lot of readers will learn a lot from it.

Thought: Maybe you do not need to wait for new transactions, maybe you can also add your last x transactions to the thread to kickstart it.
by BeBH65
Sun Jun 10, 2018 4:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1698

Re: Portfolio Diversification - General Advice Wanted

Also; to be able to give you good advice we need toknow more about you.
Please consider updating the opening post according to the template mentioned in Asking Portfolio Qestions
by BeBH65
Sun Jun 10, 2018 4:22 am
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 53
Views: 2951

Re: Looking for EUR holy grail bond strategy

I also considered buying a non hedged global bond fund, but when I compared a hedged fund with a non hedged fund, the results were similar except the non hedged bond fund had higher volatility, which is why I chose the xtrackers global government bond fund eur hedged. I also recommend other investo...
by BeBH65
Sat Jun 09, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: What platform for a non-American
Replies: 6
Views: 591

Re: What platform for a non-American

What is your citizenship?
by BeBH65
Sat Jun 09, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Looking for the European Boglehead way to go: Findings & Discussion
Replies: 5
Views: 497

Re: [EU] Looking for the European Boglehead way to go: Findings & Discussion

Good subject. Are you aware of our wiki pages for non-US domiciled investors? On the equity side the neutral position is to strive to hold a maximum number of worldwide stocks at market-cap. Depending on which indexes our funds follow you might need 2 or 3 funds to achieve that. For MSCI, the compos...
by BeBH65
Thu Jun 07, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 401k And W-8BEN
Replies: 13
Views: 1006

Re: Fidelity 401k And W-8BEN

@Ted, Thanks for your expert look at this.
by BeBH65
Wed Jun 06, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 401k And W-8BEN
Replies: 13
Views: 1006

Re: Fidelity 401k And W-8BEN

From the investopedia article: To top it off, your entire 401(k) withdrawal will be taxed as income by the U.S. – even if you’re back in your home country when you withdraw the funds. Because contributions to traditional 401(k) accounts are made with pretax dollars, this means any withdrawn funds ar...
by BeBH65
Wed Jun 06, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 401k And W-8BEN
Replies: 13
Views: 1006

Re: Fidelity 401k And W-8BEN

One use of the W8BEN for non-us residents is to lower the dividend -witholding tax from the default 30% to a lower % as per the applicable tax-treaty (often 15%). Taxation of the withdrawals from a tax advantaged account are something different, where the W8Ben might or might not lower the taxation....
by BeBH65
Wed Jun 06, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice - ETF's Investments [multiple non-US countries]
Replies: 2
Views: 223

Re: Advice - ETF's Investments [multiple non-US countries]

Hi to all: I'm 32 yo and decided to create my main Stocks/Bonds Investment thanks to Millionaire Expat by Andre Hallam. Tax residency: Panama Have a European citizenship (Irish passport) Havent lived there for more than 10 years. Born in: London, England (never lived or paid taxes in England) I'm e...
by BeBH65
Wed Jun 06, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Near Term Expenses and Asset Allocation
Replies: 8
Views: 700

Re: Near Term Expenses and Asset Allocation

Correct, these near-term planable expenses are not Emergencies and are not retirement. they should not be funded from your EF nor your retirement investments. You also want to avoid a loan or credit card for this. A future downpayment for your next house is similar. Many "save" the amount for such e...
by BeBH65
Tue Jun 05, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning investor - guidance requested
Replies: 21
Views: 1860

Re: Beginning investor - guidance requested

Our wiki page on Prioritizing_investments might be of interest to you.
by BeBH65
Mon Jun 04, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Looking for EUR holy grail bond strategy
Replies: 53
Views: 2951

Re: Looking for EUR holy grail bond strategy

Hello Toine, Welcome to this forum. Some info below, based on your post you might already know a lot. I am sure others will be along to also contribute. 1- For the equity portion of your portfolio: VTI/VXUS split: If you follow the free-float-market-cap then you should be something like 60%/40% This...
by BeBH65
Wed May 30, 2018 1:21 am
Forum: Investing - Theory, News & General
Topic: ETF performing worse than its equivalent MF
Replies: 17
Views: 1340

Re: ETF performing worse than its equivalent MF

When and how does the mutual fund "catch up" to the ETF's pricing? Or vice versa? The price of the ETF is continously adjusted during the opening hours of the exchange. Buyer and Sellers agree on the price. ((If the price of the ETF unit deviates too much from the Value of the underlying assets , t...
by BeBH65
Wed May 30, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Opened 401K - Slavic Portfolio Help Please
Replies: 6
Views: 501

Re: Opened 401K - Slavic Portfolio Help Please

Can u add the expressed ratios ER of the funds
by BeBH65
Tue May 29, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Creative Planning vs Vanguard PAS
Replies: 86
Views: 4948

Re: Creative Planning vs Robo-advisor

Asset Location is essential to me. I will explain in general how this is accomplished as follows: 1. An overall asset allocation is created with each asset class designated with a percentage of total 2. The total amount to be invested across all account types is applied to the percentages to find t...
by BeBH65
Tue May 29, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 5413

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

Are us treasury bonds not available in Europe? I never understood why people would buy 0 or negative yield bonds when there were equally safe bonds for sale in the us with 10x the yield. Because shopkeepers in Europe don't price things in dollars. Why does that matter? I didn't say why don't they j...
by BeBH65
Tue May 29, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Does VOO or VTI invest in Berkshire Hathaway?
Replies: 11
Views: 1119

Re: Does VOO or VTI invest in Berkshire Hathaway?

Apparantly it is the sixth biggest position in VOO see morningstar
by BeBH65
Mon May 28, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4488

Re: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?

The first few years of withdrawal are the most risky.

Is there any special precaution one should take during the first years of this particular case?
by BeBH65
Sat May 26, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: As a UK investor, which market should I invest in?
Replies: 6
Views: 599

Re: As a UK investor, which market should I invest in?

Different variants of the iShares MSCI World ETFs can also be bought in GBP on the LSE. Here are the different variants: 1. iShares MSCI World UCITS ETF USD (Dist) (GBP) | IWRD 2. iShares Core MSCI World UCITS ETF USD (Acc) (GBP) | SWDA 3. iShares MSCI ACWI UCITS ETF USD (Acc) (GBP) | SSAC They are ...