Search found 822 matches

by BeBH65
Mon Oct 16, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: €10,000 ETF portfolio, bond advice needed. [Germany]
Replies: 6
Views: 303

Re: €10,000 ETF portfolio, bond advice needed. [Germany]

Hello DQA,

Have a look at these pages:
+ non resident taxation of us funds
+ investing from Gremany

also do a search for Germany in the search box.
by BeBH65
Wed Oct 11, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Young student investing for the future [Belgium]
Replies: 6
Views: 460

Re: Young student investing for the future [Belgium]

Hello TomRox, Indeed it is good the build good habits early in your financial life: saving a good amount of your income, living below your means, keeping an emergency fund, not trying to chase performance in the stock market by trying to time it. On this forum we like maximally diversified low cost ...
by BeBH65
Thu Oct 05, 2017 5:50 am
Forum: Investing - Help with Personal Investments
Topic: [BELGIUM]: Portfolio Advice
Replies: 4
Views: 297

Re: [BELGIUM]: Portfolio Advice

Hello Tjiftjaf, Regarding overweighting small cap and/or emerging market; your post made me ask myself how these would react compared to MSCI world . Looking at the graphs for the three indexes in EURO: 1. In the last 10 years the MSCI world small cap index in euro seems to follow the MSCI world ind...
by BeBH65
Thu Oct 05, 2017 1:57 am
Forum: Investing - Help with Personal Investments
Topic: [BELGIUM]: Portfolio Advice
Replies: 4
Views: 297

Re: [BELGIUM]: Portfolio Advice

Hallo TjifTjaf, * 65% iShares Core MSCI World UCITS ETF (IWDA) * 25% iShares Core MSCI Emerging Markets IMI UCITS ETF (EIMI) * 10% SPDR® MSCI World Small Cap ETF (WDSC or ZPRS) I have chosen to allocate more money to emering markets as these are believed to involve more risk and thus more reward (bu...
by BeBH65
Tue Oct 03, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 116
Views: 13844

Re: TSP to Vanguard?

C - 34% F - 38% S - 24% I - 4% Is there a reason you've chosen not to use the G Fund? G fund is of little value as a retirement resource imo.....I prefer the C & S & I since it's long term. Many of the people on this forum would love to have access to the TSP G-fund. From our wiki: Thrift_Savings_P...
by BeBH65
Tue Oct 03, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270502

Re: What are you up YTD? [Year To Date]

- Stocks portion + 9 %
- Protection portion: + 1%
Total portfolio @ 60/40 : +6%
All in Euro
by BeBH65
Thu Sep 28, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]
Replies: 18
Views: 1169

Re: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]

SanSan,

Please consider changing your broker to a broker which gives you 1/ more freedom in the list of funds that you can invest in and 2/charges a lower commision.
by BeBH65
Thu Sep 28, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1135

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

With ANY USA domiciled equity ETF you will pay a 15% USA-NRA tax on all interest and dividend income on ALL USA domiciled securities in the ETF. On any non-USA securities in the ETF you will pay 15% ON TOP OF any interest or dividend tax that the non-USA domicile will put on them. Do the math corre...
by BeBH65
Thu Sep 28, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1135

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

Last year we paid approximately 10% taxes on VWRD's dividend income. Our bond interest income (3 different bond ETFs) came thru with 0% taxes. Remember. The 15% dividend income tax is ONLY on the USA part of VWRD. The non-USA developed part charged us 7.5% and the EM part charged us 11.2%. Do I und...
by BeBH65
Thu Sep 28, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1135

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

Do you need to pay dividend tax in Estonia if You have accumulation Ireland domicile ETF? Yes I do. I believe this is true about any other EU tax treaty member who has ties with Ireland. Ireland itself charges tax neither on dividends nor growth. See Tax Implications for Funds but Estonia (in case ...
by BeBH65
Thu Sep 28, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1135

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

Do you need to pay dividend tax in Estonia if You have accumulation Ireland domicile ETF? Yes I do. I believe this is true about any other EU tax treaty member who has ties with Ireland. In Belgium there is no dividend tax for accumulating funds, because there are no funds. There is no capital gain...
by BeBH65
Wed Sep 27, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1135

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

Sabahang,

Many people on this site hold bonds for protection.

BND only holds USD bonds, and might not be ideal for a EUROpean, because the exchange rate fluctuations could remove the protection.
by BeBH65
Tue Sep 26, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]
Replies: 18
Views: 1169

Re: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]

Hello San, Welcome on this site. You have already received some good advise. Do a search for Germany in the search box of this forum. You will find additional info. Related to the asset classes that you have choken: 1- focussing and diversifying over the whole world is good. 2- Remark that em is onl...
by BeBH65
Mon Sep 25, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds choice for an European expat
Replies: 14
Views: 1028

Re: Bonds choice for an European expat

Hello Brian, Some of the funds that you list are us-domiciled funds, this might not what you want to as non-resident-alien in the US. See also /Nonresident_alien_taxation What will be role of bonds in your portfolio? On this site many consider bonds for protection. What do you consider "your" curren...
by BeBH65
Sat Sep 23, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner
Replies: 20
Views: 1183

Re: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner

Hello Jiji, We will need more info to give you more comprehensive answers. - Nationality of you and your partner. - Current domicile of you and your partner; and since when? Will both of you take domicile in Belgium? My situation: Relocating to Belgium. Will have no US income in the future. Tax trea...
by BeBH65
Sat Sep 23, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: [Is company stock part of my 3-fund portfolio?]
Replies: 10
Views: 564

Re: [Is company stock part of my 3-fund portfolio?]

Hello popmegphone, It is best to look at all your investments as one. Hence the investments in your company stock is part of your portfolio next to the funds that you hold. You can then calculate the ratios: bonds, domestic equity and international equity and determine if it matches with your desire...
by BeBH65
Fri Sep 22, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: [How do I rebalance my Three-Fund Portfolio?]
Replies: 2
Views: 467

Re: [How do I rebalance my Three-Fund Portfolio?]

Hello Henry,

We need more information to be able to give you good advise.
Please consider updating the first post in this thread according to the format mentions in asking portfolio questions.
by BeBH65
Sun Sep 17, 2017 3:29 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2932

Re: adapt portfolios to european investor

The places where I find a lot of info are: - the Bogleheads wiki pages on international domiciles, and their references - this Bogleheads forum, especially the posts by Ted Swippet and the references he provides - the site of my government - the sites of the fund providers, ishares and vanguard. And...
by BeBH65
Sun Sep 17, 2017 12:44 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2932

Re: adapt portfolios to european investor

The country where the fund is domiciled has the right to tax dividends and interest. The country where the investor is domiciled has the right to do so after that and may or may not give some sort of credit for the first country's taxes paid. If either of those discounts an accumulating fund and ta...
by BeBH65
Tue Sep 12, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2932

Re: adapt portfolios to european investor

gargagnam wrote:
Tue Sep 12, 2017 2:50 pm
Serious question: why not just an msci ACWI then?
Good question!
I can see two main reasons.
- Diversification: Acwi has about 1200 stocks, Iwda+eimi 1600+1900
- and you get this at a cheaper price: ER of Acwi is .60% if i am not mistaken.
by BeBH65
Tue Sep 12, 2017 4:32 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2932

Re: adapt portfolios to european investor

If I was in the US I would probably just invest everything in an index fund that covers the total market. However, since I leave in Italy I don't have access to that type of funds I wonder if investing entirely in the US stock market is a good idea. IWDA - Ishares MSCI world provides you exposure t...
by BeBH65
Tue Aug 22, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: How does domicile of ETF affect Tax?
Replies: 6
Views: 841

Re: How does domicile of ETF affect Tax?

Hello Daringstar,

Most likely the tax-treaty between your country and the country where the fund is domiciled is applicable.
Anything else seems not practical. Just imagine you buy a world fund domiciled in Ireland, this invest in tens of countries, how would you report this?

Regards,
by BeBH65
Thu Aug 17, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Investment Strategy - looking for feedback
Replies: 9
Views: 625

Re: ETF Investment Strategy - looking for feedback

Hello dkajshdfkqwh,

Welcome to the forum.

We will need some extra information to help you better. Please consider updating the opening post with the info mentioned in asking portfolio questions.

Also what is your goal and timeline of the non-retirement investments?

Regards,
by BeBH65
Thu Aug 17, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: ETF index fund, anytime a good time?
Replies: 13
Views: 1255

Re: ETF index fund, anytime a good time?

Hello purpleArc, The Bogleheads investment principles are applicable outside of the US. You want to pay attention for tax issues with us-domiciled investments when selecting the actual funds you want to invest in. What country are you from? Best to add your country name to the title of your thread t...
by BeBH65
Wed Aug 16, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged [pension] plan advantageous in Belgium?
Replies: 7
Views: 665

Re: Tax advantaged [pension] plan advantageous in Belgium?

Hello Ignition, I'm 28 years old and can only touch the pension fund penalty free when I'm 60. I don't see the point of bonds over a timeframe of 32 years. In the Bogleheads investment philosophy we believe in buy and hold investing and keeping a good mix of stocks and bonds (including other fixed i...
by BeBH65
Wed Aug 16, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged [pension] plan advantageous in Belgium?
Replies: 7
Views: 665

Re: Tax advantaged [pension] plan advantageous in Belgium?

I'm also considering to stop adding to my pension plan. I don't think the pension fund will perform equally to the ETF because pension funds usually hold quite a high amount of bonds (I believe my pension fund holds about 40% bonds which could easily cost me 1-2% a year in returns over the long run...
by BeBH65
Fri Aug 11, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Why Worry About US Estate Tax for Non-Resident Aliens
Replies: 25
Views: 1903

Re: Why Worry About US Estate Tax for Non-Resident Aliens

It's not the 0.07% vs 0.04% expense ratio that is the problem. The problem is the double taxation of dividends in accumulating mutual funds traded in Europe. Before dividends from S&P 500 companies are reinvested into the S&P 500 index fund, at least 15% of the dividends are withheld by the US gove...
by BeBH65
Tue Aug 08, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for [Italian investor]
Replies: 4
Views: 493

Re: Portfolio for [Italian investor]

Hello Sec, Welcome to the forum. There have been some threads on investing from Italy, please do a search for them. You seem to have investigated this in depth already. If you want some more background reading have a look at Outline_of_international_domiciles [Post split from https://www.bogleheads....
by BeBH65
Tue Aug 08, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4642

Re: Portfolio for belgian (Europe) investor

Broker charges 7,5 euro for transactions on Euronext up to 2500 euro. 15 euro on transactions from 2500 up to 70 000 euro. The small cap etf is listed on Xetra and they charge 15 euro for transactions up to 2500 euro. I rebalance and do transactions annually. So maximum 4 transactions/year. ok that...
by BeBH65
Sun Aug 06, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: 4-6% a year
Replies: 28
Views: 5942

Re: 4-6% a year

Hello fblade, Hi All - Parents are EU based and both have a pension (around 3K a month both added together) but planning a move to be closer to the family. Please have a look at these wiki pages on investing in US-based assets from outside of the US. In many/most? cases it is not a good idea for no-...
by BeBH65
Fri Aug 04, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4642

Re: Portfolio for belgian (Europe) investor

Hello TM, The one month performance of the funds is: Ishares MSCI World -2.24% Ishares Euro govt bond +0.45% - I think this fund also paid out some dividend Ishares Emerging Markets IMI +0,22% SPDR MSCI World Small Cap -2,75% The exchange rate $/€ changed from 1.13 to above 1.18. - The World funds a...
by BeBH65
Thu Aug 03, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds in Ireland
Replies: 5
Views: 420

Re: Index Funds in Ireland

Hello Wilson,


Welcome to the forum.

In the past there have been a few threads on investing from Ireland; do a search in the search box top-right of the window.
Main take-away that I remember is that Ireland-domiciled funds are not the best idea for Ireland based investors it.


Regards,
by BeBH65
Sun Jul 30, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 61
Views: 5092

Re: My girlfriend and her 401K, need to give her advice

hello Michael,
Michael Alden wrote: But I'm hesitant to tell her to change her investments as at this age....
Please consider what would happen to your friendship if she looses 50% of her investments in the next 12 months.
by BeBH65
Sat Jul 29, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Value Factor UCITS ETF (VVAL) [UK]
Replies: 13
Views: 1002

Re: Vanguard Global Value Factor UCITS ETF (VVAL) [UK]

Hello Leidsekade, Welcome to the forum. This fund is a global value fund whose investement are determined by a quant model. The Investment Manager’s quantitative model implements a rules-based active approach that aims to assess the factor exposures of securities, favouring equity securities which, ...
by BeBH65
Fri Jul 28, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: ESPP Specifics help
Replies: 16
Views: 634

Re: ESPP Specifics help

Hello Gutility, Welcome to the forum. Let me give your post a bump. More knowledgeable people will be around soon. In general this board shy's away from individual stocks as an individual stock a risks that can easily be diversified away. One of the questions you need to ask yourself is: do I want t...
by BeBH65
Wed Jul 26, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 8
Views: 556

Re: Retirement investing for EU citizen

Hello ant, Welcome to this forum. The forum is US focussed With many European members as well. Suggest you update your title to add [slovenia] in it. Do a search for Slovenia in the search box top right of the window. You will find what was answered then. It will take me some time to digest your OP....
by BeBH65
Sun Jul 23, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Resident Alien now expatriated need help sorting out my US accounts
Replies: 12
Views: 1092

Re: Resident Alien now expatriated need help sorting out my US accounts

Hello nraexpat,

We have a wiki page on investing from the netherlands that you might want to read.

Regards,
by BeBH65
Sun Jul 23, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old - retirement portfolio - denmark
Replies: 14
Views: 1771

Re: 28yr old - retirement portfolio - denmark

Hello Hojlund, SPDR® MSCI World Small Cap UCITS ETF (ZPRS) (15%) - but unfo not available with my trading platform ... lastly, any suggestions as to what might replace the ZPRS of my aa ? now the quest goes on to find a small cap product to fit in the aa, but i guess it wull just have to come down t...
by BeBH65
Sun Jul 23, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Can you review our assets and offer suggestions?
Replies: 16
Views: 1189

Re: Can you review our assets and offer suggestions?

Hello miamivice, On this forum we split ones assets in: - emergency fund: 3-6-12 months of expenses of very liquid safe assets - safe savings for medium term goals - investment portfolio for retirement. Next to that it is the house net-worth as well as your 'human capital' (future salaries) play a r...
by BeBH65
Sun Jul 23, 2017 3:24 am
Forum: Investing - Theory, News & General
Topic: Optimizing asset allocation with backtesting
Replies: 6
Views: 756

Re: Optimizing asset allocation with backtesting

Hello Ozi, When backtesting with a large bonds %, it is important to remember that bonds came from a double digit interest some decades ago, to the low interest they have now. This decline in interest has been good for the price of the bonds which has been going up to reward the old high interest bo...
by BeBH65
Sun Jul 23, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Help transitioning to a Core Four Portfolio.
Replies: 5
Views: 955

Re: Help transitioning to a Core Four Portfolio.

Hello mrsmith, Welcome on the forum. Others will be along soon. Having some more information would allow us to help you better. Please update the opening post according to this askng portfolio questions . For your tencent holding: please provide your unrealised capital gains: both long term and shor...
by BeBH65
Sat Jul 22, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 8533

Re: US and International Bond Fund Allocation

Hello Thesaints,

What is the role of bonds/bond funds in your portfolio?
In your replies above, do you speak about individual bonds or bond funds ?
How do you see lmg term bonds evolve in the near to mid term?

Regards,
by BeBH65
Sat Jul 22, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: UK expat looking for a simple three ETF option
Replies: 3
Views: 263

Re: UK expat looking for a simple three ETF option

Hello Sfj, 1. Determine the %equity and %bonds you want. Do you already have an idea on this? if not, Look at the wiki pages on "risk tolerance" as well as "asset allocation" 2. Then select the funds to implement the desired AA. Certainly avoid US-domicled funds. Most of the recommendations proposed...
by BeBH65
Sat Jul 22, 2017 2:15 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - Newbie never really paid attention before now
Replies: 9
Views: 1079

Re: Rebalancing - Newbie never really paid attention before now

Hello Tikiri, Welcome to this forum. Congratulations on the progress in your investments. Others with more knowledge will be along soon. Emergency funds: Currently, a little over 3 years of expenses (we really need to "fix" this) this does indeed seem a lot. Typically on this forum we advise an EF b...
by BeBH65
Thu Jul 20, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Does this portfolio suck? [Slovakia - EU]
Replies: 12
Views: 1121

Re: Does this portfolio suck? [Slovakia - EU]

Hello Lamozian, Hello everyone and thank you for checking out my post. I've become interested in investment recently and although I try to gain some knowledge I still feel like a total newbie. When I discuss my portfolio with some more experienced investors, I frankly feel quite intimidated by their...
by BeBH65
Wed Jul 19, 2017 11:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 384
Views: 194321

Re: Suggestions for the Wiki

I've been noticing more posts lately by non-US investors wondering how to get started (or they aren't sure if they are doing things properly). Do we have a wiki page to help get them started? We may want to separate suggestions into European Union, Australian, and other places where they have a Van...
by BeBH65
Tue Jul 18, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Your opinion on how safe the French Assurance Vie contract is
Replies: 5
Views: 647

Re: Your opinion on how safe the French Assurance Vie contract is

Hi Lauretta, There is no magic solution. I combine savings accounts with Euro Gov Bond funds and have some older CD with higher interest rate. Maybe something you can look at your debt. If you have a mortgage it might make sense to pay this off if the interest rate (after tax deductions) is sufficie...
by BeBH65
Tue Jul 18, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Your opinion on how safe the French Assurance Vie contract is
Replies: 5
Views: 647

Re: Your opinion on how safe the French Assurance Vie contract is

Typically these funds will also build a "reserve" from which they can still make a distribution in the bad years. Hi BeBH65 thanks for your post! :happy Yes, I thought that the reserve is a good thing now that one can lose money when investing in bonds because of negative rates in EU. At least in t...
by BeBH65
Mon Jul 17, 2017 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Your opinion on how safe the French Assurance Vie contract is
Replies: 5
Views: 647

Re: Your opinion on how safe the French Assurance Vie contract is

Hello Lauretta, As I understand the guarantee of the French "Assurance Vie" "life insurance" is firstly given by the assets that it holds, and it is firstly these that guarantee the principal of this type of investment. If you look at the factsheets of the specific Assurance Vie you will see lots of...
by BeBH65
Sun Jul 16, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Index funds vs ETFs with leverage [Netherlands]
Replies: 3
Views: 206

Re: Index funds vs ETFs with leverage [Netherlands]

Hello Unicorn, Please read this thread for a real life account of one of the forummembers on the use of leveraging. In short, don't invest with borrowed money, don't use a margin account, don't use leveraged funds. SPY is a passive index fund. That said, I presume that the SPY fund you have bought i...