Search found 942 matches

by BeBH65
Fri Apr 20, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 33
Views: 3346

Re: Non-resident alien in Uruguay, which broker to choose for US investment?

There are 3 levels of taxation: A- by the country of the asset B- by the country of the fund C- by your country as investor. Taxation is often levied on: - dividends: received or reinvested - capital gains - the transaction amount. You will need to check the % for the combinations that you are looki...
by BeBH65
Tue Apr 17, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 35
Views: 1631

Re: EXPAT: Strategy when invested in USA and spending in EUROS

Euro (government) bonds have currently a very low return, and do carry risk related to some countries. De to this, Euro investors are often advised on guys forum to invest in global bonds hedged to the Euro (addicts affect through diversification) or in government insured savings accounts (this addi...
by BeBH65
Mon Apr 16, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Total Return ETF ?
Replies: 11
Views: 994

Re: S&P 500 Total Return ETF ?

Assumung you are not an US person. Suggest you put something like [france] to attract the experts to your thread. Please have a look at these wiki pages: https://www.bogleheads.org/wiki/Nonresident_alien_with_no_US_tax_treaty_%26_Irish_ETFs https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles...
by BeBH65
Sun Apr 15, 2018 1:34 am
Forum: Investing - Help with Personal Investments
Topic: How volatile could REITs be going forward?
Replies: 7
Views: 899

Re: How volatile could REITs be going forward?

Can you elaborate on this
delrinson wrote:
Sat Apr 14, 2018 7:51 am
..., while REITs have bond-like qualities, ....
by BeBH65
Sat Apr 07, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy foreign stocks under my own name (not under nominee/street name)?
Replies: 11
Views: 617

Re: How can I buy foreign stocks under my own name (not under nominee)?

Ok now i understand. This is about becoming the "registered holder" of your stock, directly in the companies share registry. This is then opposed to "in street name" that you mention. I understand that there are extra costs, and that you loose flexibility as well as transaction speed. Sorry cannot a...
by BeBH65
Sat Apr 07, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy foreign stocks under my own name (not under nominee/street name)?
Replies: 11
Views: 617

Re: How can I buy foreign stocks under my own name (not under nominee)? [Greece]

Never heard of anything like that. Would this be specific to Greece to avoid money leaving the country?

Would going through an international broker like Interactive Brokers (IB) work for you?
by BeBH65
Thu Apr 05, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: New iShares MSCI World Small Cap UCITS ETF, proposition for European 3/4-fund portfolio
Replies: 13
Views: 1687

Re: New iShares MSCI World Small Cap UCITS ETF, proposition for European 3/4-fund portfolio

Good news indeed.
I'll be monitoring this WSML fund to decide if it will replace my current small cap fund(s)
by BeBH65
Thu Apr 05, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 6993

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

We are 65/35 stock/bond AA. With a 5% band before rebalancing. Even with the extreme changes lately, we haven't hit our rebalance number yet. If we do, we'll do what others indicate....sell bond funds, buy stock funds, etc. Any new money that we put in, continues to go into our preselected funds (t...
by BeBH65
Thu Apr 05, 2018 4:11 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: Free Float Market=??% of Global?
Replies: 4
Views: 380

Re: Emerging Markets: Free Float Market=??% of Global?

For the MSCI indexes:
Today the MSCI Emerging Markets Index consists of 24 countries representing 10% of world market capitalization
https://www.msci.com/emerging-markets
by BeBH65
Wed Apr 04, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their AA/IPS/investing strategy recently?
Replies: 25
Views: 1852

Re: Has anyone changed their AA/IPS/investing strategy recently?

Nothing in the past few months has changed my need, ability and willingness to take risks. Hence there is no need to change my IPS or AA. Note: Since being a Boglehead, I take into account that the stock market can crash "soon" with 50% and stay there for many years. This has not changed in the past...
by BeBH65
Wed Apr 04, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1207

Re: How to invest 850,000€ [Germany]

Hello Tudouu,


What is the goal of your investments? Does your money need to grow a lot?

Determine the risk you need, are able to and willing to take, this will determine your Asset Allocation.
Remember: "why continue playing if you have won the game"
by BeBH65
Wed Apr 04, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 6993

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

Monthly contributions go into the asset that is low(est).

If that doesn't rebalance my AA then I sell my "high" assets and buy additional "low"
by BeBH65
Tue Apr 03, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1207

Re: How to invest 850,000€

Hi, Although the majority of this forum originates from the US, much of it is also valid outside of it. Please have a look at our wiki: Outline_of_Non-US_domiciles . Pay attention to the pages on tax-issues, EU-investing and the nacent page on Germany. Please consider putting [Germany] into the titl...
by BeBH65
Tue Apr 03, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Welcome - US Expat - 30 yrs old
Replies: 14
Views: 1136

Re: Portfolio Review Welcome - US Expat - 30 yrs old

Hi Sabresgrl, Welcome to the forum. You have already received good advise. Related to bonds: Bonds are for Safety. In which currency do you want this safety? In USD or in EURO Generally, on this forum, you can read that you should build safety in the-currency-that-you-will-spend-the-money-in If this...
by BeBH65
Mon Apr 02, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 2810

Re: Substantial initial investment + Overvalued market = Trouble?

The Boglehead principles can indeed apply for an investor from the EU. Depending on your country of residence there might be better ways to invest then through US-domiciled funds. Please have a look at our wiki pages: Nonresident_alien_taxation , Nonresident_alien_with_no_US_tax_treaty_%26_Irish_ETF...
by BeBH65
Mon Apr 02, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 2810

Re: Substantial initial investment + Overvalued market = Trouble?

Having my goals and personality in mind, I figured that my best bet would be to dollar cost average over the next 5 years, as suggested in the topic, and have a stock-only portfolio. Until I invest the last bit of money in 2022, I will have some spare cash laying around - I plan on making some less...
by BeBH65
Wed Mar 28, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 910

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

For ETFs I count on a double mechanism to ensure the price is correct. 1- the investors with their bids and asks set the price of the ETF 2- in parallel the marketmarkers will play their role if the price deviates from the underlying assets, by creating or redeeming units. On Euronext, the stock exc...
by BeBH65
Tue Mar 27, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 910

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

Here's screenshot at current time (10.07 PM my time), it's equivalent of 10.07 AM Eastern Time. This means both LSE and NYSE is on trading hours https://thumb.ibb.co/eVtCen/IWDA_not_sync.png Notice that today it's IWDA and VWRD is up 1.x%, while VT is barely up I might be wrong on this; but this is...
by BeBH65
Tue Mar 27, 2018 6:02 am
Forum: Investing - Theory, News & General
Topic: New Lyxor Core ETFs announced - 4-12 bps
Replies: 5
Views: 789

Re: New Lyxor Core ETFs announced - 4-12 bps

BeBH65 wrote:
Mon Mar 26, 2018 1:53 pm
Have a look on the MSCI site

For instance:
https://www.msci.com/constituents
https://www.msci.com/countries-heat-map
Edit: oops not what was requested
by BeBH65
Tue Mar 27, 2018 4:06 am
Forum: Investing - Theory, News & General
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 910

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

Partial explenations: - at opening of the markets, i have seen that the price of the worldwide ETFs is a bit erratic, as they still adjust to the changes that happened overnight on the other exchanges. - the indexes are not the same: some include EM, Others (like IWDA) don't. - i assume you are look...
by BeBH65
Mon Mar 26, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest extra 50K when invested in an already diversified portfolio
Replies: 29
Views: 2553

Re: How to invest extra 50K when invested in an already diversified portfolio

How much is 50k with respect to your full portfolio? The 3 fund portfolio has a very large diversification - why not simply add to it according to your AA. If we have more info about you, then we can help you better. Please consider updating your OP according to the format mentioned in Asking_portfo...
by BeBH65
Mon Mar 26, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance Fidelity Portfolio?
Replies: 10
Views: 858

Re: Should I rebalance Fidelity Portfolio?

If we have more info about you, then we can help you better.

Please consider updating your OP according to the format mentioned in Asking_portfolio_questions
by BeBH65
Fri Mar 23, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please review portfolio for complete overhaul
Replies: 56
Views: 4005

Re: Please review portfolio for complete overhaul

What do you mean that some of our funds overlap or cancel each other out? A total market funds like Vanguard Total Stk Mkt that you have contains *all* the stocks of the US market. Next to that you have a number of technology funds, utilities/energy funds, healthace/medical, ..... - the different t...
by BeBH65
Fri Mar 23, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1679

Re: Retirement investing for EU citizen [Slovenia]

Interesting that Morningstar reports only 800 holdings. Fund's holdings list reports 1660 items. Could it be Morningstar doesn't have complete data? If so, then of course ratings and risks show differences. It is my understanding that M* and similar sites recieve the info about the holdings (at lea...
by BeBH65
Fri Mar 23, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please review portfolio for complete overhaul
Replies: 56
Views: 4005

Re: Please review portfolio for complete overhaul

Thanks for posting this. A little change is needed. Twstd mentioned the whole portfolio needs to add up to 100%, but that won't do us any good without knowing what part of that $750K (if I remember right) you plan to invest. That needs to be included in your 100% total. ... Our age is what gives me...
by BeBH65
Fri Mar 23, 2018 2:01 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1679

Re: Retirement investing for EU citizen [Slovenia]

Yes good news.
Hopefully these new Etf's with lower costs will provoke a lowering of the costs of the existing Etf's as well.
by BeBH65
Thu Mar 22, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1679

Re: Retirement investing for EU citizen [Slovenia]

The x-trackers ETFs have considerable less asset positions then for instance the ishares ones. The x-tracker funds hold only about 1/2 of the positions of the index, looks like this is one of the reasons how x-trackers achieves its lower expense ratio. I did not further investigate if there are dev...
by BeBH65
Thu Mar 22, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1679

Re: Retirement investing for EU citizen [Slovenia]

In the past everybody recomended ishares etf (IWDA and EIMI), like best option for simple European portfolio. 90%IWDA TER 0.20% 10%EIMI. TER 0.25% Deutsche Bank has new ETF that tracks same indexs like iShares etfs, but with lower TER. Xtrackers MSCI World Index UCITS ETF 1C, TER 0.19% Xtrackers MS...
by BeBH65
Sat Mar 17, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Finding Irish-domiciled ETFs listed on US markets
Replies: 3
Views: 361

Re: Finding Irish-domiciled ETFs listed on US markets

Sorry, still don't understand. What is the "it" and the "that" in your previous post? You're right - combination doesn't exist. It exists on LSE though. As a NRA, it'd be useful to have that and avoid estate taxation, along with government treasuries. Please note that you can buy Etf's outside of th...
by BeBH65
Fri Mar 16, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing
Replies: 11
Views: 801

Re: Rebalancing

What was the Asset Allocation (AA) that you "agreed" with your advisor in the past? 50/05? In our boglehead philisophy we consider Bonds for safety and stabilyty and Equity for growth (at a higher risk) An AA is a reflection of your need, ability and willingeness to take risk. Over time the asset kl...
by BeBH65
Fri Mar 16, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Finding Irish-domiciled ETFs listed on US markets
Replies: 3
Views: 361

Re: Finding Irish-domiciled ETFs listed on US markets

Why are you looking for this particular combination? I don't think they exist: I think most if not all ETF listed on the US stock exchanges are domiciled in de US. Similarly, most if not all ETF listed on European exchanges are domiciled in Europe. Makes sense as the ETF will need to fullfill a num...
by BeBH65
Wed Mar 14, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: What % of the stock market volume are (primary) tx from index funds
Replies: 4
Views: 899

Re: What % of the stock market volume are (primary) tx from index funds

Thanks for this.

That the transactions triggered by indexfonds really only make up 5% of the total volume is lower then I expected.
by BeBH65
Tue Mar 13, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: The general pension [Sweden]
Replies: 6
Views: 1008

Re: The general pension [Sweden]

Hi Frida, If I understand correctly this portion of your pension will be converted to a life-long annuity at the exact date of your pension. Your goal would then be to try to reach the highest possible value at that date with the least risk. Generally, on this forum we advise that money that is need...
by BeBH65
Tue Mar 13, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: What % of the stock market volume are (primary) tx from index funds
Replies: 4
Views: 899

What % of the stock market volume are (primary) tx from index funds

The people that don't like index funds use different arguments to point at the percieved danger of index funds. A. One argument points at the high amount of AUM in traditional or exchange traded index funds. B. Another argument states that the large influx of money in index funds is/has driven up th...
by BeBH65
Mon Mar 12, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: When doing Dollar Cost Averaging (DCA) does it matter how frequently you put in monies?
Replies: 27
Views: 1831

Re: When doing Dollar Cost Averaging (DCA) does it matter how frequently you put in monies?

There have been studies that proved that lump sum was better in 2/3 of the time compared to spreading it one's investing over time. I assume that the frequency of the DCA investing will have an impact on the result depending on the market during your DCA. It is not possible to know up front which wi...
by BeBH65
Sun Mar 11, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Vanguard Total World Stock ETF (VT) [Netherlands]
Replies: 3
Views: 454

Re: Alternatives to Vanguard Total World Stock ETF (VT) [Netherlands]

Ishares core MSCI world ETF (IWDA) is often mentioned as a a good core fund for world equities for this to whom US funds are no good: 0.20%, can be bought directly in euro (no currcny Exchange costs), contains Large and Mid caps of the 23 developed markets. Another alternative is the European Vangu...
by BeBH65
Sat Mar 10, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: What purpose (if any) does an ETF tracking the oil price have in a portfolio?
Replies: 14
Views: 1154

Re: What purpose (if any) does an ETF tracking the oil price have in a portfolio?

I see oil and all commodities as speculation. In itself they do not create any return.
The Investor is hoping that he can sell this to the next invester at a price which is higher then what he paid himself.
by BeBH65
Sat Mar 10, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Fund... Should I sell off some?
Replies: 19
Views: 2251

Re: Emerging Market Fund... Should I sell off some?

Thanks for the replies.. I guess I'm still trying to educate myself on the strategies employed here but I was sort of concerned about this category's recent run up and was thinking of selling it back down to a reasonable percentage of my portfolio while I learn more (before it possibly goes down). ...
by BeBH65
Fri Mar 09, 2018 1:48 am
Forum: Investing - Theory, News & General
Topic: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation
Replies: 10
Views: 1149

Re: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation

You might want to add to your OP that you are NRA and that the capital gains tax in your country is 30%. Also, i understand from your other posts that the capital gain tax might seem doubly harsh to as you would be working with accumulating funds where the dividends are reinvested immediately withou...
by BeBH65
Wed Mar 07, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: I suck with my finances. (I am from EU)
Replies: 13
Views: 1066

Re: I suck with my finances. (I am from EU)

Hello, You have already received good advise. These core practices will lunch you on the good path. You say you do not spend your money on bad habits like drinking and smoking. Where do you spend your money on? Do you consider these good spends? Do you have a mortgage or student loan that you are pa...
by BeBH65
Tue Mar 06, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Anybody been to Porto? Lisbon? - portugal
Replies: 10
Views: 861

Re: Anybody been to Porto? Lisbon? - portugal

Both Porto and Lisbon could keep you busy for a few days.
In each city there are also a couple of excursions just outside of town that might be worthwhile.
If you would travel from one to the other maybe consider stopping in Coimbra.
by BeBH65
Tue Mar 06, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: My portfolio review (Europe/Switzerland)
Replies: 16
Views: 1285

Re: My portfolio review (Europe/Switzerland)

Hi, [] Shouldn't we have a home bias in our portfolio ? [] let me challenge you: Why? What is this going to bring you? I like the increased passive income. If one day I can sustain more on dividend rather than on capital gains, it's a good thing, no ? [] Let me challenge you: - why do you need passi...
by BeBH65
Tue Mar 06, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio review (Europe/Switzerland)
Replies: 16
Views: 1285

Re: My portfolio review (Europe/Switzerland)

50% World Stocks – Vanguard Total World (USD) --> Good 10% Switzerland Medium-Cap Stocks – UBS SMIM (CHF) 10% Europe Stocks – iShares MSCI Europe (EUR) 5% Pacific – Vanguard FTSE Pacific (USD) --> Why are you adding these regios and overweigting these regios? 10% High Dividend World – Vanguard High...
by BeBH65
Tue Mar 06, 2018 5:41 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 56490

Re: How much international stock? A suggestion

But looking at the last 10 years US stocks clearly outperform ed ex-US stock (comparing VTI and VXUS) which means overweighting US stock result ed in higher capital gain than default VT. Thoughts? I have corrected your sentence (red underline). Key is the verb tense. Your statement is true about th...
by BeBH65
Tue Mar 06, 2018 5:15 am
Forum: Investing - Help with Personal Investments
Topic: Expense ratio query, 3 funds versus 1
Replies: 11
Views: 1516

Re: Expense ratio query, 3 funds versus 1

Do you have suggestion for a non resident alien on which 5 country is considered the best to relocate it's citizenship to? If one really wish to avoid capital gain tax and willing to go extra mile to change citizenship :) Nationality, residency, domicile, and where you live can all determine how yo...
by BeBH65
Tue Mar 06, 2018 2:17 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 56490

Re: How much international stock? A suggestion

Indeed, one could say J. Bogle is home biased. His country is currently 50% of the world market and decently diversified so suffering less then other countries. I also wonder why vanguard didn't follow jack bogle calculated suggestion and allocate 80%-20% on it's total world instead of about 50%-50%...
by BeBH65
Tue Mar 06, 2018 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Irish ETFs taxes on US equity dividends
Replies: 17
Views: 1536

Re: Irish ETFs taxes on US equity dividends

An accumulating ETF holds on to dividends forever. So its price never experiences the once-per-year ex-dividend date drop that the distributing one does. Someone holding this ETF has to sell some shares if they want to release value from it, but they never have to explicitly reinvest dividends. May...
by BeBH65
Tue Mar 06, 2018 1:38 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 56490

Re: How much international stock? A suggestion

Does an NRA (Non Resident Alien) will have the same consideration with Us citizen on how much international stock? In other words, does 20% international recomendation by jack bogle applies to NRA too? Vanguard has publishing a number of papers on "home bias" and "global alloacation". On this forum...
by BeBH65
Mon Mar 05, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: Total Return Taxation Ireland ETF non resident alien NRA
Replies: 2
Views: 385

Re: Total Return Taxation Ireland ETF non resident alien NRA

Does your country levy the capital gains tax each year or on the amounts withdrawn? The latter is more typical. This is how it could work: - you buy 2000 shares @ 1000 USD - this is the base - after one year you sell 60 shares - the base is 60000 - the current value might be 64200 --> you pay taxes ...