Search found 41 matches

by Cintrapark
Sat Nov 04, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Revised Portfolio - Feedback
Replies: 3
Views: 163

Revised Portfolio - Feedback

Age: 41 Cash Savings/Emergency Fund:$8,596 Monthly Contribution $286 Personal Investments ETF Portolio: $48,711 Monthly Contribution $1,289 100% Stocks Tax Free Work Investment Fund (locked for next 2 years) $24,406. Agency managed Monthly Contribution $2,600 87.09% Stocks Total Pension $87,393. Ag...
by Cintrapark
Sun Oct 22, 2017 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Advice with 'holistic' asset allocation
Replies: 7
Views: 728

Re: Please help with my asset allocation

Sandtrap wrote:
Sat Oct 21, 2017 10:56 am
This might make it easier for others to help you.
Post format
viewtopic.php?f=1&t=6212
Thanks
by Cintrapark
Sat Oct 21, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with 'holistic' asset allocation
Replies: 7
Views: 728

Re: Please help with my asset allocation

Sandtrap wrote:
Sat Oct 21, 2017 10:56 am
This might make it easier for others to help you.
Post format
viewtopic.php?f=1&t=6212
Thanks - I've now updated the post which should make it easier to follow
by Cintrapark
Sat Oct 21, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Advice with 'holistic' asset allocation
Replies: 7
Views: 728

Re: Please help with my asset allocation

Dolcetto wrote:
Sat Oct 21, 2017 11:00 am
From a security perspective, those short links make me nervous because you don't know where you are going. If you want to share a document, post a Dropbox link or other recognizable file sharing service.
Thanks - I've upated the post
by Cintrapark
Sat Oct 21, 2017 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Advice with 'holistic' asset allocation
Replies: 7
Views: 728

Advice with 'holistic' asset allocation

Hi guys - I'm 41 years old and would really like to get your opinion on how best to approach allocation in my personal investments. Please see the below URL which leads to the summary of my current financial status. Cash Savings/Emergency Fund:$8,596 Monthly Contribution $286 Personal Investments (E...
by Cintrapark
Sun Oct 15, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Asset Allocation
Replies: 2
Views: 233

Re: ETF Asset Allocation

Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 ETF Investments: $36,000 (75% VWRD and 25% SAAA) Apartment Value: $940,000 Mortgage: $130,000 Hi guys - I'm rethinking my allocation between shares and bonds (ETF...
by Cintrapark
Sun Oct 15, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Asset Allocation
Replies: 2
Views: 233

ETF Asset Allocation

Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 ETF Investments: $36,000 (75% VWRD and 25% SAAA) Apartment Value: $940,000 Mortgage: $130,000 Hi guys - I'm rethinking my allocation between shares and bonds (ETF ...
by Cintrapark
Sun Oct 08, 2017 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Choosing mortgage size vs. ETF Investments
Replies: 8
Views: 760

Re: Choosing mortgage size vs. ETF Investments

Is the mortgage interest tax deductible? Does your income support the mortgage with 40% down? I believe it isn't tax deductible. Yes my income does support the payment, however, my goal is to be financially independent so that I do not need to rely on finding a well paid job. It send you can afford...
by Cintrapark
Sat Oct 07, 2017 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Choosing mortgage size vs. ETF Investments
Replies: 8
Views: 760

Re: Choosing mortgage size vs. ETF Investments

unclescrooge wrote:
Fri Oct 06, 2017 11:18 am
Is the mortgage interest tax deductible?

Does your income support the mortgage with 40% down?
I believe it isn't tax deductible. Yes my income does support the payment, however, my goal is to be financially independent so that I do not need to rely on finding a well paid job.
by Cintrapark
Fri Oct 06, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Choosing mortgage size vs. ETF Investments
Replies: 8
Views: 760

Re: Choosing mortgage size vs. ETF Investments

This isn't a complete picture of your finances but I gotta say a 630k apartment when your entire savings is less than 1M and you're only saving $850 a month seems like a mistake. But what you're ask is just a question of pay down debt vs. investing https://www.bogleheads.org/wiki/Paying_down_loans_...
by Cintrapark
Fri Oct 06, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Choosing mortgage size vs. ETF Investments
Replies: 8
Views: 760

Choosing mortgage size vs. ETF Investments

Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 ETF Investments: $26,000 (75% VWRD and 25% SAAA) Apartment downpayment (Savings): $823,000 Apartment Cost: $630,000 Total Monthly Retirement Savings: $2,701 (inclu...
by Cintrapark
Fri Aug 11, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Israeli Citizen: Investing Dilemma
Replies: 3
Views: 497

Israeli Citizen: Investing Dilemma

Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 Personal Investments: $25,000 (75% VWRD and 25% SAAA) Apartment Value: $980,000 Mortgage: $126,000 As you can see from the above I have circa. 25k invested in ETFs...
by Cintrapark
Tue Aug 01, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Help Diversifying my Investment Portfolio - Israeli Citizen
Replies: 6
Views: 410

Re: Help Diversifying my Investment Portfolio

Israel stocks doesn't correlate heavily (or much at all) with the rest of the world. You have good bond rates. The easiest way for you to diversify is buy into your home country more. You don't have a tough problem to solve. Yes - I have avoided the Israeli ETF market. Most of the funds are heavily...
by Cintrapark
Tue Aug 01, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Help Diversifying my Investment Portfolio - Israeli Citizen
Replies: 6
Views: 410

Re: Help Diversifying my Investment Portfolio

rkhusky wrote:VWRD (Vanguard FTSE All-World UCITS ETF) gives you all the diversification you need in terms of stocks.
Hi - yes 25% of my Portfolio is in world government bonds (SAAA). Was considering adding Corporate bonds to the mix.
by Cintrapark
Tue Aug 01, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Help Diversifying my Investment Portfolio - Israeli Citizen
Replies: 6
Views: 410

Help Diversifying my Investment Portfolio - Israeli Citizen

My current status is as follows: Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 Personal Investments: $25,000 (75% VWRD and 25% SAAA) Apartment Value: $980,000 Mortgage: $126,000 I would like to diversify my pe...
by Cintrapark
Mon May 08, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: 2 Fund to 1 Fund ETF Portfolio - Advice
Replies: 2
Views: 310

Re: 2 Fund to 1 Fund ETF Portfolio - Advice

Thanks for pointing that out - was a typo. I was just rethinking it as someone criticized my portfolio for huge currency risk.
by Cintrapark
Mon May 08, 2017 5:24 am
Forum: Investing - Help with Personal Investments
Topic: 2 Fund to 1 Fund ETF Portfolio - Advice
Replies: 2
Views: 310

2 Fund to 1 Fund ETF Portfolio - Advice

I am 40 years old and have the following: 1 Apartment Full pension Personal investment portfolio: VWRD (Vang FTSE All USD) 75% & SAAA (iShares Global AAA-AA Govt Bond UCITS ETF) 25% I am considering cashing in the SAAA part of my portfolio and investing solely in the VWRD part. I'm not adverse to ri...
by Cintrapark
Wed Nov 23, 2016 3:00 am
Forum: Investing - Help with Personal Investments
Topic: Bond Status - EFT 2 Fund Portolio
Replies: 2
Views: 377

Re: Bond Status - EFT 2 Fund Portolio

Thank you for a fantastic response. What you say makes a lot of sense.
by Cintrapark
Wed Nov 23, 2016 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Bond Status - EFT 2 Fund Portolio
Replies: 2
Views: 377

Bond Status - EFT 2 Fund Portolio

Morning to you all. I am newbie investor and currently have a two fund portfolio: VWRD & SAAA (80:20). I was under the impression that bonds should feature heavily in a portfolio as a means of safeguarding against the risks of investing in pure stocks. Recently, however, I have lost a fair amoun...
by Cintrapark
Sat Jul 02, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Confused Newbie Investor - Israeli resident buying from the London Stock Exchange
Replies: 3
Views: 632

Confused Newbie Investor - Israeli resident buying from the London Stock Exchange

Hi there. Firstly, I apologize for the rather basic question. I currently live in Israel (no intention of returning to the UK) and have an international 2 fund portfolio: VWRD & SAAA. I use a local investment house, but continue to purchase the above through the LSE. The question is this: is the...
by Cintrapark
Thu May 12, 2016 3:42 am
Forum: Investing - Help with Personal Investments
Topic: 2 Fund ETF Portfolio Feedback
Replies: 3
Views: 1490

2 Fund ETF Portfolio Feedback

My situation is as follows: British & Israeli citizen Age: 39 Location - Tel Aviv Apartment - soon to be owned outright Work Pension, Emergency Fund & Cash savings 2 Fund Portfolio: VWRD 80% and SAAA 20% I came to investing pretty late and I'm currently only able to put away around $500 a mo...
by Cintrapark
Sat Feb 13, 2016 2:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Any other Bogleheads in Israel?
Replies: 2
Views: 2089

Re: Any other Bogleheads in Israel?

I too am in Israeli investor. Not sure if this post is still relevant....
by Cintrapark
Fri Jan 29, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investor living in Israel - broker advice
Replies: 1
Views: 328

Investor living in Israel - broker advice

Hi guys I am a UK and Israeli citizen and have an ETF portfolio (VWRD & SAAA) and am currently transferring money to Luxembourg every quarter so that I can invest with TD Direct in GBP. I'm keen to keep my investments in GBP so that I have some 'presence' in the sterling. Any suggestions how I c...
by Cintrapark
Tue Jan 12, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Investing proceeds of sale on a London property (Expat)
Replies: 9
Views: 1108

Re: Investing proceeds of sale on a London property (Expat)

yes - i've been paying voluntary national insurance contributions so I think that'll fulfil the requisite years.
by Cintrapark
Mon Jan 11, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Investing proceeds of sale on a London property (Expat)
Replies: 9
Views: 1108

Re: Investing proceeds of sale on a London property (Expat)

Thanks for that - it definitely is between the last two options. I just like the idea of keeping some of my assets outside of Israel.
by Cintrapark
Sun Jan 10, 2016 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Investing proceeds of sale on a London property (Expat)
Replies: 9
Views: 1108

Investing proceeds of sale on a London property (Expat)

I moved to Israel 5 years ago and do not have any intention of returning to the UK. I have recently put my London apartment on the market ((due to a low rental yield and high mortgage)) and will walk away with around 170k. I have also bought an apartment in Israel and it will be completed in 2 years...
by Cintrapark
Sat Dec 19, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - ETF Diversification
Replies: 4
Views: 598

Re: Newbie Investor - ETF Diversification

That's great. Thanks again.
by Cintrapark
Sat Dec 19, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - ETF Diversification
Replies: 4
Views: 598

Re: Newbie Investor - ETF Diversification

Firstly - thanks a lot for your great reply.

Yes, I thought that adding the REIT & Emerging markets would add to the diversification as the VWRD doesn't include either (as far as I'm aware).
by Cintrapark
Sat Dec 19, 2015 4:26 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - ETF Diversification
Replies: 4
Views: 598

Newbie Investor - ETF Diversification

I recently started my first investment account and have a couple of questions for you experts out there! Firstly, I am expat currently living in Israel. I have no plans to return to the UK. My questions are as follows: 1) I have a very simple ETF portfolio which I plan on keeping long term. It consi...
by Cintrapark
Sat Nov 28, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Advice [Israel]
Replies: 11
Views: 1188

Re: ETF Portfolio Advice [Israel]

Thanks for all your advice
by Cintrapark
Fri Nov 20, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Advice [Israel]
Replies: 11
Views: 1188

Portfolio Planning [Israel]

[Thread moved into here, see below. --admin LadyGeek] Hi there Would love some advice with respect to my portfolio. I'm fairly new to all of this so excuse my ignorance. My details are as follows Age: 39 Place of Residence: Tel Aviv, Israel Born: London, England Pension: 20.33% of monthly income (i...
by Cintrapark
Fri Nov 06, 2015 8:08 am
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Advice [Israel]
Replies: 11
Views: 1188

Re: Portfolio Advice (UK born now living in Israel)

Actually that's the book I meant :)

Yes, you're right in what you say. I'd actually planed to only transfer the money across when I have circa. £2,000 in order to save on costs.
by Cintrapark
Thu Nov 05, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Advice [Israel]
Replies: 11
Views: 1188

Re: Portfolio Advice (UK born now living in Israel)

Thanks a lot! I actually read an extremely informative book by Andrew Hallam (Millionaire Teacher) which is extremely useful when deciding on a portfolio of ETFs.
by Cintrapark
Wed Nov 04, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Advice [Israel]
Replies: 11
Views: 1188

ETF Portfolio Advice [Israel]

Hi there Would love some advice with respect to my portfolio. I'm fairly new to all of this so excuse my ignorance. My details are as follows Age: 39 Place of Residence: Tel Aviv, Israel Born: London, England Pension: 20.33% of monthly income (including employer contribution) Tax Free employer relat...