Search found 800 matches

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: 499

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: 9
Views: 603

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: 571

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: 571

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: 24
Views: 1577

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: 450

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: 4031

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: 5770

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: 4031

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: 391

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: 38
Views: 2678

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: 929

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: 581

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: 482

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: 1015

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: 1673

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: 1129

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: 706

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: 886

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: 8056

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: 243

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 reco...
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: 1009

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 advi...
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: 1031

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: 378
Views: 190328

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: 594

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: 594

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! 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 i...
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: 594

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 ...
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: 181

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...
by BeBH65
Sat Jul 15, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Rate my portfolio ! Etf/Stock [Europe]
Replies: 10
Views: 730

Re: Rate my portfolio ! Etf/Stock [Europe]

Hello LordMimosa, Hi again folks ! I checked to replace my BND with something european and I can't find anything... good bond funds in Euro are indeed not easy to fund. I just found an Ishare ETF but it's irish what you will see is that most european ETFs will be irish, and even other european domic...
by BeBH65
Fri Jul 14, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Need your input and opinion
Replies: 10
Views: 1115

Re: Portfolio Review: Need your input and opinion

make sure you include small cap, intl stock and bond, em, reits and vanguard total stock Hello Kenny, Not sure i fully understand your statement. - total stock includes small cap and reit - total international includes emerging market And with bonds as a third fund you have a fully diversified port...
by BeBH65
Fri Jul 14, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rate my portfolio ! Etf/Stock [Europe]
Replies: 10
Views: 730

Re: Rate my portfolio ! Etf/Stock [Europe]

Hello LordMimosa, Welcome to the forum. One of the first and most important decisions to take is to decide on your asset allocation; i.e. the split between Equity and Bonds. On this site many hold equity for growth and bonds for protection. Your AA should be determined by your willingness, need and ...
by BeBH65
Thu Jul 13, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Do you use dollar upper bound for rebalancing, as well?
Replies: 3
Views: 329

Re: Do you use dollar upper bound for rebalancing, as well?

Hello Njay, Good post. I would see this as 2 questions: 1- what is a good Asset Allocation based on your need, willingness and desire to take risks, "Bonds are for safety, Equity for growth" and 2- what is a good strategy to re-balance my account back to my AA if it deviates . On this site...
by BeBH65
Thu Jul 13, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: What is a portfolio?
Replies: 8
Views: 677

Re: What is a portfolio?

Hello, For me definition c is the best I have a "retirement portfolio" which holds my assets for retirement, independent in which financial institution they are held. In another life I might have had a portfolio to build my down payment for my house; mainly savings and CDs. My net worth in...
by BeBH65
Tue Jul 11, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $$ 1.5m as a non resident alien?
Replies: 1
Views: 452

Re: How to invest $$ 1.5m as a non resident alien?

I have got $$1.5m to invest. Here is my situation I'm 28 years old. I'm employed and make 4k a month. That is plenty of money where I live in south asia. I can cover any emergencies as well. Risk tolerance is 0-10%. But would definitely prefer it to be safe. I have got few real estate holdings but ...
by BeBH65
Tue Jul 11, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: please help me to fix my portfolio
Replies: 8
Views: 838

Re: please help me to fix my portfolio

Dear Scratch, You have already received a lot of good advise. The first thing to do is to to determine your Asset allocation . Your risk tolerance is important in determining your split equity/bonds. Meybe you can fill out the questionaires mentioned on the last page. You could also start out with a...
by BeBH65
Sun Jul 09, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: US citizens abroad - more on PFICs
Replies: 6
Views: 1386

Re: US citizens abroad - more on PFICs

Hi anyone has any idea of how safe the 'Fonds en Euro' of the French Assurance Vie is? (I opened one when I was resident in France) They garantee your capital by law in that fund (plus pay interests every year depending on how they fare), but after all the fund is in great part invested in Eu bonds...
by BeBH65
Sun Jul 09, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?
Replies: 60
Views: 3312

Re: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?

Hello Lauretta, You have already received many good answers. Let me try to add my 2 Eurocent. Hi everybody! this is a follow-up question concerning the stock allocation of my portfolio, following the question I posted yesterday on bonds to which I am receiving some great answers! The question is thi...
by BeBH65
Sun Jul 02, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged [pension] plan advantageous in Belgium?
Replies: 7
Views: 571

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

Table below shows the calculation starting at age 50 for a gross expected return on 6.1%. After ER this gives 5.85% for ETF and 4.75% for the more expensive pension fund. Age Invest. NetInvest in pension 4.75% 5.85% Pension ETF 50 940 940 940 940 51 940 940 1925 1935 52 658 940 2956 2706 53 658 940 ...
by BeBH65
Sun Jul 02, 2017 1:25 am
Forum: Investing - Help with Personal Investments
Topic: 28 years old - contributing more to retirement vs. loan payoff
Replies: 20
Views: 1850

Re: 28 years old - contributing more to retirement vs. loan payoff

Hello wfaubert, (Consider updating your opening post with the new info of above) What are your total after tax-expenses? To what extend do your base salaries cover this? Bring them in line with each other. Ensure you take advantage of the 401k. It could be good to consider your variable part of your...
by BeBH65
Sun Jul 02, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. $25,000 to Invest.
Replies: 20
Views: 1910

Re: New to Investing. $25,000 to Invest.

Thanks for all the info. I have updated some information at the top as you guys suggested. If anything else is needed please let me know. Hello dfonley, What are you tax rates? What is the size of the emergency funds, what is the destination of the other $ in yr saving? What are your current respec...
by BeBH65
Sat Jul 01, 2017 4:49 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. $25,000 to Invest.
Replies: 20
Views: 1910

Re: New to Investing. $25,000 to Invest.

Hello dfonley, Welcome to the forum. You have already received good advise and some references to reading material. To be able to give you good advise, we need some more info from you. Please consider updating the opening post to the format describes in our wiki on Asking_portfolio_questions . Also ...
by BeBH65
Sat Jul 01, 2017 4:38 am
Forum: Investing - Theory, News & General
Topic: Why Diversify? Why Not 100% Global Stocks
Replies: 31
Views: 3043

Re: Why Diversify? Why Not 100% Global Stocks

Hello richard, There have been many threads on 100% stocks in the past; suggest you search for them and look at the answers given there. Do you really mean 100%, or do you have other assets next to this: a cash emergency fund, a house, a pension, a human capital of many future decades? If investing ...
by BeBH65
Thu Jun 29, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Investing help please
Replies: 9
Views: 574

Re: Investing help please

Hi Monalis,

You have already given a lot of info in your sequence of posts, but we are still missing some pieces.
Please consider updating your opening post (use the pencil) according to the format for asking portfolio questions and continue to centralize all info there.



Regards,
by BeBH65
Sun Jun 25, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4031

Re: Portfolio for belgian (Europe) investor

Hello tm, Finding a good bond fund for Europeans is indeed not easy; between the low interest rate and the lower quality countries that make up the bulk of the government bonds. Personally I use iShares € Aggregate Bond UCITS ETF EUR (Dist) IEAG for a good part of the protection portion of my portfo...
by BeBH65
Fri Jun 23, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 55
Views: 3512

Re: Lump sum investing in stocks vs. DCA

Please google "bob the worst market timer" for a story of investing lump sum on market peaks.
by BeBH65
Fri Jun 23, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: 30yo/male/IL, rate my portfolio (taxable/IRA/401k)
Replies: 3
Views: 829

Re: 30yo/male/IL, rate my portfolio (taxable/IRA/401k)

Hello mtor,

You are doing great.
How are you splitting up your yearly contributions? Do you get a match on your 401k?

Regards,
by BeBH65
Thu Jun 22, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4031

Re: Portfolio for belgian (Europe) investor

Hello TM, Looks like a good portfolio Okay so I've sold my stocks and my actively managed fund. Now I just need to get all my cash into my investments account thanks to you guys (many many thanks) I've come up with this portfolio: Emergency fund: 3K Where have you saved this? If you look around you...
by BeBH65
Thu Jun 22, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4031

Re: Portfolio for belgian (Europe) investor

TM90 wrote:I have it in a low interest savings account maybe a good idea to put it into my kbc start2save account?

KBC start2save seems to give 0.4% + 0.1%.
On this siteyou see a number of alternatives.
by BeBH65
Thu Jun 22, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1190

Re: How do you approach your ESPPs

I fully agree with daftinvestor, especially related to your future ESPP purchases. For you current holding with "$18k of unrealized gains in my ESPP", yes sell them all and immediately. If you do not do that, ensure that they are less then 5% of your portfolio and consider the stock as lon...