Search found 753 matches

by BeBH65
Thu Jun 22, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 55
Views: 2456

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: 55
Views: 2456

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: 13
Views: 439

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...
by BeBH65
Thu Jun 22, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 55
Views: 2456

Re: Portfolio for belgian (Europe) investor

Hello TM, Looks like a good portolio 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 w...
by BeBH65
Thu Jun 22, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 13
Views: 439

Re: How do you approach your ESPPs

Hello Kamikaze, You have already received a lot of good advise. In your OP you are actually asking many questions. Dear Bogleheads, I am having trouble understanding how I should treat or view my Employee Purchase Plan. I do not understand its place in my portfolio. summary: it is an individual stoc...
by BeBH65
Thu Jun 22, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: portfolio feedback
Replies: 2
Views: 224

Re: portfolio feedback

Hello Bogleboyz,

We have a standard format fro portfolio descriptions that we are used to read and scanning quickly.
I suggest that you update your opening post to the format mentioned here.

Regards,
by BeBH65
Wed Jun 21, 2017 4:37 am
Forum: Investing - Help with Personal Investments
Topic: European lazy portfolio
Replies: 10
Views: 679

Re: European lazy portfolio

The first decision to take is what Asset Allocation (stock/bonds/... ) do you feel comfortable about? , and then construct a portfolio that matches it. This seems like a troubling first decision... When I was reading about the Permanent Portfolio, the authors explained the thinking behind it. The f...
by BeBH65
Tue Jun 20, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 18
Views: 2453

Re: Not reinvesting dividends

vandering wrote:I understand that the majority of Bogleheads own individual stocks in their portfolios as I saw it on one of the threads here (67% +/-).

Not sure this is correct. I would guess that most of the people on this forum own stock through (index) funds.
by BeBH65
Tue Jun 20, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (not residing in the U.S)
Replies: 11
Views: 435

Re: Portfolio advise (not residing in the U.S)

Hello Amirk, Welcome to the forum. You have already received a lot of good comments Let me try to comment your post. Hello Bogleheads community, I do not have any profession in the finance field, but I am in a situation to help manage my father’s extra cash, which is worth 350K (USD). I reside in a ...
by BeBH65
Tue Jun 20, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: European lazy portfolio
Replies: 10
Views: 679

Re: European lazy portfolio

Hello europeanwizar, Hi everyone, I'm a contractor, doing software development in The Netherlands. So far, I've been paying off my mortgage, however I don't like putting all my money into the house. For me personally, the whole contracting thing is stress enough -- I'm looking for a safe portfolio. ...
by BeBH65
Tue Jun 20, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: [Belgium] Comparing an ETF Index portfolio with a local fiscal pension fund
Replies: 2
Views: 183

Re: [Belgium] Comparing an ETF Index portfolio with a local fiscal pension fund

Hello Zarci, The decision to invest in a tax-advantaged account in Belgium requires indeed a thorough investigation. Also other forums debate this. Until now, there is no clear winner. The previous post makes some good remarks. I opened a thread not so long ago on this forum . Will need to get back ...
by BeBH65
Mon Jun 19, 2017 5:53 am
Forum: Investing - Theory, News & General
Topic: new to investing...[a little] help please?
Replies: 39
Views: 1387

Re: new to investing...[a little] help please?

Hi flatman,

It is best to group all info in your opening post.
You can simply edit it by using the little pencil next to it.

Regards,
by BeBH65
Thu Jun 15, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Changing to include Emergency Fund as part of asset allocation - best way to do this?
Replies: 23
Views: 1218

Re: Changing to include Emergency Fund as part of asset allocation - best way to do this?

Hello, I would not count your EF as part of your long term investments. I would include your EF in your reflection to determine your need, ability and willingness to take risks with your long term investments, which will determine your asset allocation. As well, a sizeable taxable investment account...
by BeBH65
Thu Jun 15, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advise for newbie [Uruguay]
Replies: 6
Views: 413

Re: Portfolio Advise for newbie [Uruguay]

Hello juan, Instead of using us domiciled Etf's, look at buying Ireland domiciled accumulating Etf's. As they reinvest the dividends you will not have to pay dividend tax in your country, and as yr country does not have capital gains tax you will not have to pay that either. In addition you stay awa...
by BeBH65
Thu Jun 15, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating Physical vs Accumulating Synthetic ETF
Replies: 4
Views: 403

Re: Accumulating Physical vs Accumulating Synthetic ETF

Hello flothousand, Ok, but is there any other advantage to owning a synthetic etf than an accumulating etf using optimized sampling? Is there less chance of a tracking error with synthetic, since they are in essence swapping for the actual return of the index minus fees? What other costs are involve...
by BeBH65
Tue Jun 13, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing and Taxable Account
Replies: 15
Views: 764

Re: Rebalancing and Taxable Account

Hello Renue, Over the past 2 years, I've made large changes to our portfolio. Moved away from FA, 99% of tax deferred accounts are now bond space and about 20% of our Roth accounts are bonds. The rest (75% of total portfolio) is a taxable account. My target AA is 65/35. (I'm 43 and would like to ret...
by BeBH65
Sun Jun 11, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 55
Views: 2456

Re: Portfolio for belgian (Europe) investor

hello TM, Hello everybody I've taken the time between my last post and now to read a bit more on asset allocation and I think I've finally found an asset allocation for equity which seems to be alright for me: 75% Equity divided into 40% iShares Core MSCI World UCITS ETF USD (Acc) (EUR) | IWDA 30% S...
by BeBH65
Sun Jun 11, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: tax advantaged plan advantageous in Belgium?
Replies: 1
Views: 132

tax advantaged plan advantageous in Belgium?

Hello, Can someone help me with my calculations to determine if I should (continue to) invest in the tax-advantaged plans in my country Belgium? In Belgium we have 2 kinds of tax advantaged plan. Maximum investment per year is 940Euro and 2260Euro respectively. When one invests in these, one receive...
by BeBH65
Sun Jun 11, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Applying the three funds over several accounts
Replies: 6
Views: 517

Re: Applying the three funds over several accounts

Hello Snugharbor, I have an IRA and a Roth IRA as well as two inherited IRAs. I also have an ordinary taxable account. Would you take all of these accounts and treat them as if they are one account for purposes of deciding the allocation into the three index funds? correct I think that I have learne...
by BeBH65
Fri Jun 09, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Am I too conservative?
Replies: 19
Views: 1687

Re: Am I too conservative?

Hello Rotsevni, You have already a lot of good feedback. Did you have a look at the Investing_from_the_Netherlands ? Hi all, thanks to this great forum which helped me and many others making an AA and help sorting out other financial questions. I'm a 23 year old from The Netherlands and my AA looks ...
by BeBH65
Fri Jun 09, 2017 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using bond accumulation ETFs? [EU/non-US]
Replies: 6
Views: 434

Re: Anyone using bond accumulation ETFs? [EU/non-US]

What risks do you see with IUAA? I don't see much risk with IUAA as it has 70% AAA bonds/notes. What I meant to say is that I also plan to buy IUAA since it is safer than LQDA and much more safer than JPEA. I am also thinking about avoiding bonds altogether and using TIPS and cash for the safe part...
by BeBH65
Thu Jun 08, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: need help...acquired 150,000...what do I do?
Replies: 10
Views: 1617

Re: need help...acquired 150,000...what do I do?

Hello tuffy, You have good funds. There should be no reason to add extra funds, it should be possible to simply add to the existing funds. Could you help us to understand what you have today. Please complete the below replacing xx with the actual percentages. The grand total should should be 100% IR...
by BeBH65
Thu Jun 08, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using bond accumulation ETFs? [EU/non-US]
Replies: 6
Views: 434

Re: Anyone using bond accumulation ETFs? [EU/non-US]

Hi Gaucho,

etf_gaucho wrote:Those were some examples of bond ETFs I was considering, to reduce some of the risk I also plan to buy iShares US Aggregate Bond UCITS ETF (IUAA):

What risks do you see with IUAA?
by BeBH65
Thu Jun 08, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6659

Re: 100% Stock Portfolio?

In other threads on this forum we discuss net-wealth. In those threads, there is always a sub-thread discussing what should be included or not: * equity * bonds * emergency fund * savings accounts for specific goals), CDs, ibonds, EEbonds and similar * human capital and the yearly cashflow it genera...
by BeBH65
Thu Jun 08, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using bond accumulation ETFs? [EU/non-US]
Replies: 6
Views: 434

Re: Anyone using bond accumulation ETFs? [EU/non-US]

Hello gaucho, 1. If I look on the ishares site, it seems that the aim for the distributing and the accumulating version are exactly the same. So it looks like they are 'shared' in some way. 2. In the past, what I have seen is that indeed a number of Etf's are traded very thinly, with very few transa...
by BeBH65
Thu Jun 08, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: [Australia] Help with First Portfolio
Replies: 2
Views: 139

Re: [Australia] Help with First Portfolio

Hello Buster, Welcome to this forum; while this forum is USA focused most of the Bogleheads principles apply worldwide. We also have a wiki page on Australia and please also do a search on Australie in hte forum. Hey guys, been doing my research over the last few months and I've got a few questions:...
by BeBH65
Thu Jun 08, 2017 2:05 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6659

Re: 100% Stock Portfolio?

My personal thoughts on using a 100% stock portfolio are best summarized here: https://portfoliocharts.com/2016/07/25/thinking-beyond-stocks-can-fortify-your-accumulation-plan/. Long story short, 100% stocks can work fine for some people but diverse portfolios including bonds and other assets are m...
by BeBH65
Wed Jun 07, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Non US citizen investor
Replies: 3
Views: 379

Re: Non US citizen investor

You can buy Vanguard ETFs on different stock exchanges: London, Amsterdam, ...
In what country do you live?
by BeBH65
Wed Jun 07, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio Question (and other related questions from beginner)
Replies: 12
Views: 642

Re: Asset Allocation and Portfolio Question (and other related questions from beginner)

Dear Lowndes, Let me give it a first go. All, my wife and I decided we need a financial strategy to plan for retirement and the years ahead (really wish we did this 6 years ago when I started working). Therefore, in the past couple weeks I've read (i) a Random Walk Down Wall Street, (ii) the Little ...
by BeBH65
Wed Jun 07, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Fidelity - Pros/Cons of Index funds
Replies: 12
Views: 1191

Re: Moving from Edward Jones to Fidelity - Pros/Cons of Index funds

Hello,

Next to the references from above, you might want to have a look at the videos on this wiki page.
It gives a good introduction to indexing and the other Bogleheads investing philosophy.
by BeBH65
Wed Jun 07, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads
Replies: 12
Views: 758

Re: New to Bogleheads

Hello Kim,

Next to the references from above, you might want to have a look at the videos on this wiki page.
Related to bonds, these Why Bother With Bonds? videos will help.

Please come back here with your open points.

Regards,
by BeBH65
Wed Jun 07, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation, mortgage, etc... please.
Replies: 6
Views: 596

Re: Help with asset allocation, mortgage, etc... please.

I estimate my spending is around $10k/month (probably less). Does this include all your expenses? including healthcare? including the cost related to your house? Certainly I don't need a $2.75M house. I could downsize and invest the money. But as I mentioned, I do earn about $10k/month from it. Is ...
by BeBH65
Wed Jun 07, 2017 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help-job change, inheritance, help making holistic investment plan
Replies: 2
Views: 317

Re: Portfolio Help-job change, inheritance, help making holistic investment plan

Dear Jr, I am sorry for your loss. We need more info to be able to help you. This is my First Post. So Last year was a Doozy. For Starters in Late 2015 My wife's mother got Cancer, I was in the process of changing to an entirely different career path and that's not even including raising 2 girls and...
by BeBH65
Wed Jun 07, 2017 3:41 am
Forum: Investing - Help with Personal Investments
Topic: new to investing, need help getting in control of my retirement
Replies: 2
Views: 384

Re: new to investing, need help getting in control of my retirement

I’m very new to investing but I recently read The Four Pillars of Investing by William Bernstein so I have an idea of the philosophy of index funding. As you’ll see below, I don’t have anything broken up into asset allocation percentages because I had no idea what I was doing and I’m pretty sure th...
by BeBH65
Wed Jun 07, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: After tax efficient investment
Replies: 15
Views: 1520

Re: After tax efficient investment

Hello Asiingh, Thanks to all who provided there valuable feedback. After a lot of reading and comparing funds and their past performance, Below is what I have identified as the first stop for my 50K cash. Off course, the ultimate objective is to move the money to VTI in a gradual manner. Please let ...
by BeBH65
Wed Jun 07, 2017 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Retired couple with recently-inherited, actively-traded portfolio seek advice
Replies: 16
Views: 2458

Re: Retired couple with recently-inherited, actively-traded portfolio seek advice

Hello Jim, You have already received some good advice and you have taken already some action. Suggest that you add that to your opening posts so that people starting to read the thread immediately get the up-to-date view. Many thanks for providing so much information here, and for your willingness t...
by BeBH65
Wed Jun 07, 2017 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with diversification risks
Replies: 4
Views: 537

Re: Dealing with diversification risks

Hello Shackal, You have already received very good advise. Suggest you start reading here: Bogleheads%C2%AE_investing_start-up_kit , read some of the books mentioned, watch these videos. Let’s preface this with me being a noob and likely an idiot in matters of investing. Given that I recognise that,...
by BeBH65
Tue Jun 06, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Foreigner, 37, seeking advice on starting Roth IRA
Replies: 23
Views: 1415

Re: Foreigner, 37, seeking advice on starting Roth IRA

Hello Happyman, Through a broker or your bank you can buy exchange traded funds (Etf's). There is an enormous amount of ETF's. Our wiki has information for international investors: Outline_of_international_domiciles . Continue there after having read the threads mentioned above. Come back here with ...
by BeBH65
Tue Jun 06, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio Question (and other related questions from beginner)
Replies: 12
Views: 642

Re: Asset Allocation and Portfolio Question (and other related questions from beginner)

Hello lowndes, There are many knowledgeable and helpful people who are part of this online community. Over the years a practice on asking portfolio questions has emerged that makes it easy for us to find back the info that we are looking for. To make sure you get the help you need, please consider t...
by BeBH65
Tue Jun 06, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Foreigner, 37, seeking advice on starting Roth IRA
Replies: 23
Views: 1415

Re: Foreigner, 37, seeking advice on starting Roth IRA

Hello Happyman, Hello, I have decided to open a Roth IRA. A bit about myself: non US citizen, 37 y.o., think that US economy is one of the strongest in the world (definitely stronger than the economy where I currently am). Opened Roth in Schwab (long-term relationship). My attitude is very conservat...
by BeBH65
Tue Jun 06, 2017 2:53 am
Forum: Investing - Help with Personal Investments
Topic: New investor. looking for input on investing strategy [South America]
Replies: 8
Views: 440

Re: New investor. looking for input on investing strategy [South America]

Hello, Hi again, I think you've convinced me. I plan on buying 4 or 5 times a year and it's probably not a bad idea to make of of these buys bonds. This also gives me some time to think about what bonds and what allocation exactly. Indeed, the 15% is hidden, so basically I can treat the VWRD as an E...
by BeBH65
Mon Jun 05, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Link Question
Replies: 14
Views: 356

Re: Brokerage Link Question

Hi Mike, If I am interpreting my restrictions correctly.........I am limited to Fidelity funds....which TQQQ (the fund I am after) is not :) Why do you think you need TQQQ? Do you know how this 3x leveraged fund works? Strongly suggest you deeply investigate this. Start with searching this forum, I ...
by BeBH65
Mon Jun 05, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: New investor. looking for input on investing strategy [South America]
Replies: 8
Views: 440

Re: New investor. looking for input on investing strategy [South America]

Hi BebH65, Thanks for your response. Remember stocks can loose 50% in a year and take several years to rebound, or might not rebound at all. Generally many people advise a minimum of 20% bonds. Those bonds can also be used to buy stock when they are on sale I must admit my preference for just stock...
by BeBH65
Mon Jun 05, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: New investor. looking for input on investing strategy [South America]
Replies: 8
Views: 440

Re: New investor. looking for input on investing strategy [South America]

Hello P, Dear All, I'm new to investing and after a couple of months of reading these forums, MMM, jscollins stock series and other investing/FI material I think I'm ready to start. I've done my research, but I'd love to have a second opinion. My situation: - 36 yro Dutch Citizen working in South Am...
by BeBH65
Mon Jun 05, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Noob portfolio. Need guidance. 27 years old.
Replies: 32
Views: 2459

Re: Noob portfolio. Need guidance. 27 years old.

Hello LPD, Welcome to the forum. Some reading suggestions: - Bogleheads%C2%AE_investing_start-up_kit in our wiki. - IfYouCan , a 16 page booklet for millennials. Please consider adding all info in the opening post, it will be easier for us to give a comprehensive response. New to the forum, and fair...
by BeBH65
Sun Jun 04, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: IPS Guidelines for Small to Large Windfalls?
Replies: 12
Views: 882

Re: IPS Guidelines for Small to Large Windfalls?

Hello, This is what I have in my IPS for windfalls. * <50000€ invest immediately according to my AA * Between 50000€ and 150000€: DCA 50% immediately – 10% in the next 5 months * >150000€. put money on HY savings account, wait 3-6 months. Review and update IPS as this could have significant impact o...
by BeBH65
Wed May 31, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Dividends in different currency
Replies: 5
Views: 432

Re: Dividends in different currency

HI All, I own the ETF VEUR (FTSE Developed Europe) - listed on the LSE in GBP. The base currency is in EUR and the wrapper is GBP. I am getting my dividends paid in EUR? Is this normal? I was expecting GBP. seems indeed incorrect. I also have the ETF VTS listed on the ASX, base currency USD wrapper...

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