Search found 684 matches

by BeBH65
Mon May 22, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: New investor needing advice UK-US
Replies: 9
Views: 381

Re: New investor needing advice UK-US

Hi dooron, Are you taxed now by the UK? Are you contributing to tax-advantaged account in the US? Will you still be tax-resident of the US when you move away? Or will you several all links with the US? Presumably you will be taxed by the UK. There have been a least on threads this year from someone ...
by BeBH65
Mon May 22, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know [choosing a Vanguard bond ETF]
Replies: 2
Views: 393

Re: Does anyone know [choosing a Vanguard bond ETF]

Hello Vision,

There have been a few threads on "bond funds for europeans" the last few weeks. Do a search in the search box of the forum. Not sure if Vanguard has anything that suits us.
Best to put [eu] in the title to attract the specialists.

Regards.
by BeBH65
Sun May 21, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions & Check Up
Replies: 5
Views: 393

Re: Portfolio Questions & Check Up

Dear livid,

At first sight your investments seem to be ok. To be able to validate this fully we need more information from you.
Please consider updating your opening post with the info requested here.

Regards,
by BeBH65
Fri May 19, 2017 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest in real estate.....here's my portfolio
Replies: 5
Views: 745

Re: Should I invest in real estate.....here's my portfolio

Hello tmslcs, Some questions to help you in your reflection? What is the value of the condo? What is the income that you derive from that? And after you subtracted the costs? Are you happy with that? What return are you looking at for the new property? Looking at this: retirement assets: - 305k curr...
by BeBH65
Thu May 18, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5428

Re: Convince me to get back into stocks!

Hello Amd, You have already received a lot of good advise. Please read it carefully, and in parallel study about investing and the stock market. Start with some of the books mentioned in the reading list on our wiki, start with "if you can". Other pages that are good starting points in our...
by BeBH65
Wed May 17, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Long term impact of currency changes
Replies: 6
Views: 405

Re: Long term impact of currency changes

Hello fromage, There are two topics to address currency volatility and currency exchange costs. As mentioned above, a common advise is to protect the protection portion of your portfolio in the currency you will be spending it. In your case this could be done by buying euro bonds or a euro hedged bo...
by BeBH65
Wed May 17, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 1139

Re: Bond ETFs that accumulate earnings vs. distributing

Hi Gaucho, Your points are valid. Defining your rebalancing strategy is an important part of your IPS. We have a wiki article on rebalancing . Rebalancing is done with money from: selling good performers, new contributions, dividends. Indeed if you choose for accumulating fund the last one drops awa...
by BeBH65
Tue May 16, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 1139

Re: Bond ETFs that accumulate earnings vs. distributing

Correct me if I am wrong , but i think you are comparing the two funds also on their ability to help you rebalance. Distributing funds give you cash that you can use to rebalance but with accumulating funds either you have to sell the better performing asset or add new funds to buy the under perfor...
by BeBH65
Tue May 16, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 1139

Re: Bond ETFs that accumulate earnings vs. distributing

Hello Gaucho, Best to put your country in the title so that you get answers that target your situation. However, this question is not about taxing but rather about price fluctuations on the bonds vs. accumulation units. Our US-B colleagues are not that fortunate to have access to accumulating funds,...
by BeBH65
Tue May 16, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 1139

Re: Bond ETFs that accumulate earnings vs. distributing

Hi Gaucho, Best to put your country in the title so that you get answers that target your situation. On re-balancing you would typically sell the fund that gained most to buy the funds that performed least. I don't think there would be any difference in re-balancing accumulating or distributing fund...
by BeBH65
Sun May 14, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio for European investors and currency risk
Replies: 2
Views: 259

Re: Porfolio for European investors and currency risk

Hello Tm, Have a look at this section of the eu_investing page on our wiki: Base_currency_vs._trading_currency_vs._currency_of_the_underlying_asset You need to are a clear distinction for equity funds and bonds funds. - For equity funds you have some benefit in buying a fund whose trading currency i...
by BeBH65
Fri May 12, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 3975

Re: Young professional planning for early semi-retirement

You can use the networtify calculator to plug in your numbers and calculate the number of years you will still need to work based on your saving rate as a % of yr after tax income.
by BeBH65
Fri May 12, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation [Europe]
Replies: 5
Views: 301

Re: Help with asset allocation [Europe]

Hi Pablo, Welcome to the forum. Depending on your country you will be better of with accumulating funds or not. Which country are you from? Can you please add the expense ratios to your listing - just update the opening post. In this Forum many like the three fund portfolio. Do a search in the forum...
by BeBH65
Fri May 12, 2017 3:34 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Should I simplify my portfolio even further according to Buffett's recommendations?
Replies: 27
Views: 1944

Re: [EU] Should I simplify my portfolio even further according to Buffett's recommendations?

HI Vision, Have you considered a fund that is global in nature instead of adding together a US and an except US fund? Yes, but I think I did not add it, because there was a smaller percentage of US stocks. Which fund would you suggest? Can I understand from your recent posts that you have dropped th...
by BeBH65
Thu May 11, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Objectively critique an AXA recommended portfolio.
Replies: 16
Views: 770

Re: Objectively critique an AXA recommended portfolio.

Dear ed,

Your analysis mentions a lot of good and correct points.

Why are you preparing this? The person that is advising you probably has a lot of arguments and alternative facts for his case, better not discuss with him. Just walk away.

Regards,
by BeBH65
Thu May 11, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Should I simplify my portfolio even further according to Buffett's recommendations?
Replies: 27
Views: 1944

Re: Should I simplify my portfolio even further according to Buffett's recommendations?

Dear vision, Please have a look at the 'international domiciles' page of our wiki. Please do a search I the forum with your 'country name', 'nra' (non resident alien), or Europe. I would be surprised that you would find any recommendation to invest all your money in us based funds that only invest i...
by BeBH65
Wed May 10, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: How are international/global ETF region weightings determined?
Replies: 31
Views: 1236

Re: How are international/global ETF region weightings determined?

Hello frank, Typically index fund follow an index from an need provider (MSCI, Russell, FTSE). Most equity indexes are weighted on float-adjusted market capitalisation of the stock. Result: if us stocks go down and eu stocks go up, then the portion of the eu stocks in a world fund would go up and th...
by BeBH65
Tue May 09, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 5
Views: 636

Re: The problem of choosing the best MSCI World ETF

Hi Googel, The Amundi fund is a domiciled in Luxembourg, the others in Ireland. Irish funds are more often discussed here, not sure if Luxembourg has the same advantageous tax treatment. Have you checked if you can buy all of the funds; I.e. Does your broker offer cheap access to the relevant stock ...
by BeBH65
Tue May 09, 2017 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice After Year 1
Replies: 9
Views: 1340

Re: Portfolio Advice After Year 1

HI Amacuze, I couldn't find any discussions around the downsides or REITs - do you have any links? - Remember REITS are already part of your total stock market funds. - Many people here on the forum find that enough. - Do a search for REIT i the search for the forum to find the discussion on REITS. ...
by BeBH65
Mon May 08, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: New boglehead looking for investment planning
Replies: 3
Views: 522

Re: New boglehead looking for investment planning

Hello Ozi, Welcome to the forum and congratulations on the new job. You have some good intentions in your OP. Asset allocation (split equity-bonds) and your savings % as part of your income are 2 decisions that determine the growth of your investments. Your ability, need and willingness to take risk...
by BeBH65
Sun May 07, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- Need guidance- High Income Investment Options
Replies: 10
Views: 1055

Re: New Investor- Need guidance- High Income Investment Options

Hello irish dad,

Here is an article of our wiki that might help you: Prioritizing_investments.
On this forum there are many people willing to help you; .... if you provide us more info on your situation as requested in the previous post.

Regards,
by BeBH65
Sat May 06, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Brand new investor and really looking for some help [UK]
Replies: 4
Views: 262

Re: Brand new investor and really looking for some help [UK]

Dear Jam, Hi Bogleheads. I’m a first time investor as well as first to this forum. I’ve just finished reading the Bogleheads guide to investing and as such now have a basic idea of what I should be doing. But as I’m a rookie I’d love to hear any advice anyone might have. The following wiki pages mig...
by BeBH65
Sat May 06, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: New investor needing advice UK-US
Replies: 9
Views: 381

Re: New investor needing advice

H,

I suggest you add something like [mixed UK-US] to your title to attract the experts to your query.

Regards,
by BeBH65
Sat May 06, 2017 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Birthday Rebalance - Quick Quesiton
Replies: 8
Views: 644

Re: Birthday Rebalance - Quick Quesiton

Hello ddurret, You have a simple portfolio. Good. How much are contributing yearly to your accounts? Especially at the start of the investment career it is often possible to avoid rebalancing by assigning your contributions in such a way that they balance your account each month with the your monthl...
by BeBH65
Thu May 04, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice After Year 1
Replies: 9
Views: 1340

Re: Portfolio Advice After Year 1

| Name | Ticker | My IRA | Her IRA | My 401K | Her 401K | Taxable | Percentage | |-------------------------------|--------|---------|---------|---------|----------|----------|------------| | | Totals | $10,876 | $10,883 | $42,933 | $37,747 | $112,633 | 100.0% | | Vanguard Total Bond | VBMFX | | | |...
by BeBH65
Mon May 01, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice After Year 1
Replies: 9
Views: 1340

Re: Portfolio Advice After Year 1

Hello Amucaze, It might be possible to improve the tax-efficiency of your asset location across the accounts; have a look at Tax-efficient_fund_placement Isee that her 401 has an Vanguard Extended Market fund that could be a good complement for the S&P500 in your other accounts. Lowering the tot...
by BeBH65
Mon May 01, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: Diversification in practice: Investing from Australia
Replies: 28
Views: 4158

Re: Diversification in practice: Investing from Australia

Hi ausinvest, I found this thread while looking for small cap value ETF (US and international) available to Australian investors. The most attractive offering that I found was Vanguard MSCI World Ex-Australia, but it not tilted to value. Have any new / better ETFs become available since this thread ...
by BeBH65
Sun Apr 30, 2017 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14314

Re: Retirement income for 50+ years?

Congratulations. Our wiki has a number of articles that will serve you: - managing a windfall with the advise "Do nothing rash. Set aside one year's living expenses[note 2] and place the rest of the windfall into low risk investments (FDIC insured accounts, money market funds, treasury bills) f...
by BeBH65
Fri Apr 28, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 714

Re: Best NRA non US tax treaty Accumulating Bond ETF?

@BeBH65, Thank you for taking time to analyze my situation and asking very pertinent questions. one of the goals of my questions is to make you reflect and ot ensure that you are not missing something. You seem to be doing good. [...] Fixed Income part of my portfolio : To be completely honest, the...
by BeBH65
Sat Apr 22, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 714

Re: Best NRA non US tax treaty Accumulating Bond ETF?

Hello brXffeu, Hey BeBH65 - Thank you for your response. Ive detailed my story here in this post - https://www.bogleheads.org/forum/viewtopic.php?f=1&t=199713&p=3056411#p3056411 And would love to hear your thoughts on my overall strategy. what is the goal of your investments? It is important...
by BeBH65
Wed Apr 19, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old - retirement portfolio - denmark
Replies: 7
Views: 921

Re: 28yr old - retirement portfolio - denmark

bebh65 - appreciate the input, with ref to my mortgage (thanks for pointing that out) - its variable (but i have the same return on a separate account which will follow it both up and down), but the only loantype (viable) type of loan for cooperative housing. my emergency fund would cover my expens...
by BeBH65
Mon Apr 17, 2017 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 714

Re: Best NRA non US tax treaty Accumulating Bond ETF?

Hello brXrfeu, The Bogleheads philosophy uses bonds for "protection"; an asset that would not loose a lot of value in any circumstances. It is generally considered good to 'link' this protection to your "home" country/currency, as this is where your liabilities lie. I believe tha...
by BeBH65
Sun Apr 16, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old - retirement portfolio - denmark
Replies: 7
Views: 921

Re: 28yr old - retirement portfolio - denmark

Dear hojlund88, Hello bogleheads First and foremost thanks for all the great advice/information ive gathered here sofar. Ive been following the forums for quite a while, but only recently have i moved my funds to a pension where i can choose my investments myself. My current financial situation is a...
by BeBH65
Sat Apr 15, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 64
Views: 4530

Re: Young EU Investor

BeBH65: Could you kindly help me understand how you (or whoever did the calculation) arrived at the withholding taxes on Irish domiciled ETFs in the European pages that you refer. I understand the 15% on ETF that hold US stocks, but do not understand the zero taxes in the bond US bonds ETFs or the ...
by BeBH65
Wed Mar 29, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Difference between this two etf.
Replies: 8
Views: 546

Re: Difference between this two etf.

Hi Volimsmes, I totaly messed this up I am compareing SWDA and XDWD. These are two funds that track the same index. Each fundprovider implements the tracking of an index on its own way, within the legal framework of the domicile country. Both these funds seem to be Ireland domiciled and available on...
by BeBH65
Wed Mar 29, 2017 3:00 am
Forum: Investing - Help with Personal Investments
Topic: Difference between this two etf.
Replies: 8
Views: 546

Re: Difference between this two etf.

Hello, there might be a number of differences - accumulating - distributing - stock exchange on which they are quoted - trading currency: USD/EUR/GPB - fund domicile: ireland/luxemburg/Germany/... - reporting standards: UK/Germany/.. Can you please provide the ticker and the ISIN code and the full n...
by BeBH65
Tue Mar 28, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 1186

Re: [EM, Poland] Investing from EM, currency risk

Hello Adamus, You have already received a lot of good advise. While this forum is firstly US focused, the principles that it adheres to are applicable in the whole world. Some elements for your decisions. Equity/Stock is for growth. Diversification is key . On this forum we believe it is difficult t...
by BeBH65
Mon Mar 27, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1345

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

Hi Raybo, Looks like a nice trip that you are planing. Some suggestions on the first 2 portions of your trip. - If history interest you, you could visit Bastogne on your way to Luxemburg and remember how important this city was in 1944. - If you are a road-race enthousiast, you could enter Belgium e...
by BeBH65
Sun Mar 26, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Too Narrow? Or overlap?
Replies: 5
Views: 434

Re: Too Narrow? Or overlap?

Hello,
We need more info to give you good advise, please do a search for "asking portfolio questions" to find the format to use.
Please update your opening post with the requested info.
Regards,
by BeBH65
Sat Mar 25, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Need Newbie Advice for Large Sum - US or Europe?
Replies: 17
Views: 1739

Re: Need Newbie Advice for Large Sum - US or Europe?

Hello pycut, In general the goal and duration for your investments drive your risk-tolerance for that money. Your 5-10 year term is not very long. The goal that you describe seems to indicate that you should not take risks with the money. Hence, stocks do not seem to be advised for you for this term...
by BeBH65
Mon Mar 20, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1304

Re: What Fidelity funds do you use in your 3 fund portfolio?

Hello, The wiki page on the 3-fund portfolio shows some Other_than_Vanguard funds. It is best to consider your investment across all accounts; taxable and tax-advantaged. Rebalancing: - I understand that you are at the beginning of your investment career. Hence you can use your contribution to rebal...
by BeBH65
Mon Mar 20, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1528

Re: Need direction on managing portfolio

Thank you, BeBH65, so much. I appreciate it. You are correct regarding the high ER of FBGKX. I had chosen this fund at the beginning when I had no idea about the impact of ER. Over the past 2 years (since I started contributing to the 401k), FBGKX has certainly 'under'-performed the FUSVX (0.045% E...
by BeBH65
Mon Mar 20, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 41
Views: 1788

Re: Portfolio for belgian (Europe) investor

Hi TM90, I did some calculations and I feel comfortable with this AA: 75% stocks 15% bonds 10% cash Is this part of your investments? or is this your cashflow and/or emergency fund? In general we keep these outside of the AA, as the AA for long term investment goals like retirement need another AA c...
by BeBH65
Mon Mar 20, 2017 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1528

Re: Need direction on managing portfolio

Hello Rahm, Desired Asset allocation: 100% stocks / 0% bonds (I have been advised against this, but haven't taken any action yet -- mainly procrastination) Indeed on this forum many advocate some bonds 10%, 20%, other are happy with the full volatility of 100% equity Desired International allocation...
by BeBH65
Sun Mar 19, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 64
Views: 4530

Re: Young EU Investor

Most (all?) developed European countries have a preferential tax treaty with the US. And you can deduct that from your taxes in your home country every year. As far as I know, the dividend withholding tax for EU citizens is 15% at the moment. Also, I don't think the estate tax limit for tax treaty ...
by BeBH65
Sun Mar 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 64
Views: 4530

Re: Young EU Investor

Not with the Euro zone's 0.1% annual inflation :mrgreen: Inflation continues to go higher in 2017 according to Eurostat . Euro area annual inflation was 2.0 % in February 2017, up from 1.8 % in January 2017 See also http://ec.europa.eu/eurostat/statistics-explained/index.php/Inflation_in_the_euro_a...
by BeBH65
Sun Mar 19, 2017 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 64
Views: 4530

Re: Young EU Investor

Hello mrwhite, Suggest you have a look at the European pages in our wiki international_domiciles Thanks, thats very helpful - for some reason I have looked in the past only on the Fund currency and then assumed that is what it is traded in. I see now thats not the case, could then someone please exp...
by BeBH65
Sat Mar 18, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie European planning to invest 100k-Porfolio Help
Replies: 2
Views: 249

Re: Newbie to invest 100k-Porfolio Help

Hello, What is your asset allocation? How much bands do you intend to have? Diversification, simplicity, low cost are some of the principles of the Bogleheads_Investment_Philosophy . Leaving out the Us, Japan and some other countries is hurting your diversification. On this forum we like the 3 fund ...
by BeBH65
Sat Mar 18, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1528

Re: Need direction on managing portfolio

Hi Rahm,


We need a bit more info to give you good advise.
Please have a look at Asking_portfolio_questions and update your opening post with the additional info.

The wiki also has a good article on the 3 fund portfolio.

Regards,
by BeBH65
Sat Mar 18, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help for 30 year old maxing out retirement accounts
Replies: 2
Views: 545

Re: Investment Help for 30 year old maxing out retirement accounts

Hi,
Please have a look at the "asking portfolio questions" format.
If you provide a bit more info, we can give you better answers. ( tax rate, expense ratios, ... )
Please update your opening post.
Regards,

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