Search found 16 matches

by HKboggles
Mon Jun 19, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: American Expat: Opt to pay 5,500 of tax to qualify for IRA?
Replies: 6
Views: 602

Re: American Expat: Opt to pay 5,500 of tax to qualify for IRA?

Oh, understood now, it wont be over 102k.

Is there any other way to contribute to an IRA while overseas if you are making less than 102k?

Perhaps freelancing for 5,500 would work? Does freelance salary get excluded as well?
by HKboggles
Mon Jun 19, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: American Expat: Opt to pay 5,500 of tax to qualify for IRA?
Replies: 6
Views: 602

American Expat: Opt to pay 5,500 of tax to qualify for IRA?

I was wondering whether it was worth it to pay 5,500 of taxes at the US 25% bracket (which would be about 900 USD) and exclude the rest so i can contribute to a ROTH IRA. I don't need to pay California taxes as I've been a non-resident for 6 years. Currently living in Hong Kong and may stay here lon...
by HKboggles
Fri Jun 02, 2017 12:48 am
Forum: Investing - Theory, News & General
Topic: Differing expense ratio reports for same ETF
Replies: 2
Views: 229

Differing expense ratio reports for same ETF

Hello, I just started my portfolio and while I was doing some general upkeep, I saw that the expense ratios that Interactive Brokers(IB) reports are different than the ones that Vanguard reports, can anyone explain why this is? For Example: VTI should have an expense ratio on 4 bp, but IB reports 5 ...
by HKboggles
Fri Jun 02, 2017 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Selection For US Expat
Replies: 4
Views: 408

Re: Bond Fund Selection For US Expat

Thank you everyone for such helpful responses! really helpful!
by HKboggles
Wed May 31, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Selection For US Expat
Replies: 4
Views: 408

Bond Fund Selection For US Expat

Hello, First some quick background: •28 year old American expat in Hong Kong •looking for 2 bond funds in my taxable account, 1 US and 1 international •The Hong Kong Dollar is tied to the US Dollar •Assume that I will live abroad long-term. My advisor says I should just invest in Vanguard's Total Bo...
by HKboggles
Mon May 22, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Need help with ER calculations
Replies: 3
Views: 286

Need help with ER calculations

Is there a way to find out the impact of a single allocation's ER to the total ER for a portfolio? For example, I have 10% of a fund that charges .25% ER, 40% of a fund that charges 0.13 ER and 50% of a fund that charges 0.06 ER. What overall impact will that 10% allocation at 0.25% have on the over...
by HKboggles
Wed May 10, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

Re: First portfolio critiques (US Expat)

Thank you everyone for such great help! Bogleheads is one of the only places on the internet where you wont get chased off for asking beginner questions!
by HKboggles
Tue May 09, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

Re: First portfolio critiques (US Expat)

Took a look at the link you gave, thanks! My concern with Schwab is the slightly higher ER. How does this allocation look instead? 30 VTI (total market) 20% VBR (small value) 25% VXUS (total international - includes emerging markets) 15% VSS (international small cap - includes emerging markets) 10% ...
by HKboggles
Tue May 09, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

Re: First portfolio critiques (US Expat)

Thank you so much in_reality for you great advice. I was wondering if there was an equivalent Vanguard etf for the schwab funds you picked, or if these are the best choice for intl value.

Thanks again!
by HKboggles
Sat May 06, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

Re: First portfolio critiques (US Expat)

I am living in Hong Kong at the moment and I am taking the FEIE. HK has no capital gains taxes.
by HKboggles
Fri May 05, 2017 5:19 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

Re: First portfolio critiques (US Expat)

Thanks for the replies! I want exposure to value stocks as well--apologies--I'm very new to investing and I have a lot to learn.

What would be a good mix, that would include us and intl value stocks as well?

Thanks!
by HKboggles
Thu May 04, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: First portfolio critiques (US Expat)
Replies: 18
Views: 1273

First portfolio critiques (US Expat)

Hello, I am a 28-year-old American expat that will most likely be in America at retirement age. This is my first portfolio with 10,000 USD invested and 1,000 - 1,500 will be added every month in a taxable account. I would like your opinion on this allocation: Vangaurd US Stock Market VTI 15% US Larg...
by HKboggles
Sat Mar 18, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why select gov bonds vs non-gov bonds for American expat?
Replies: 4
Views: 306

Re: Why select gov bonds vs non-gov bonds for American expat?

Thanks for the input. Unfortunately, I'm in Hong Kong, so no totalization agreement. As far as the allocations you suggested, why is VB not necessary? What do you think about mid-caps? I was starting to add them, but it just became too complicated. Perhaps for US exposure, a 60/40 mix would be bette...
by HKboggles
Sat Mar 18, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why select gov bonds vs non-gov bonds for American expat?
Replies: 4
Views: 306

Why select gov bonds vs non-gov bonds for American expat?

Hello, I'm currently trying to set my current allocations for my portfolio. Quick facts: Age: 28 Money to be invested: 10,000 USD Monthly contributions: 1,500 Not sure if I will live in America when retired, so can't count on Social Security, or tax-advantaged accounts This portfolio is for retireme...
by HKboggles
Thu Mar 16, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: American Expat in Hong Kong Starting with US$10,000
Replies: 4
Views: 373

Re: American Expat in Hong Kong Starting with US$10,000

Thank you so much for the help and suggestions! I made edits to give more information about my situation. One of my fears is that I wont get any social security benefits, so I have to plan in advance and assume the worst, that I will not have any social security or pension. Based on what I've heard,...
by HKboggles
Thu Mar 16, 2017 1:31 am
Forum: Investing - Help with Personal Investments
Topic: American Expat in Hong Kong Starting with US$10,000
Replies: 4
Views: 373

American Expat in Hong Kong Starting with US$10,000

Hello, I would like advice on portfolio allocation. I'm in a unique situation because I'm an American expat, so I cannot contribute to an IRA nor do I have access to a 401K. I will be using a regular investment account to invest $10,000 and about 1,500 to 2,000 per month afterwards. I am 28 years ol...

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