Search found 42 matches

by Rotsevni
Fri Aug 11, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3034

Feeling guilty about travel expenses

Hey all, I'm in this situation where I find myself really guilty about my travel expenses this year. In September I have my third trip this year and the sooner it comes the more guilty I feel, actually I regret it a bit. Let me explain. I have a yearly net income of 29k Euro With my last 2 trips I s...
by Rotsevni
Mon Jul 10, 2017 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Saving or being stingy?
Replies: 21
Views: 2442

Re: Saving or being stingy?

It's her own choice and she is living her dream. Saving for travelling
by Rotsevni
Fri Jun 09, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Am I too conservative?
Replies: 19
Views: 1805

Re: Am I too conservative?

Thanks all i'm amazed with the fast replies Some more info; My portfolio is about 30.000 Euro with monthly contributions of 250 Euro My yearly income is 24.000 @ tamalak the iShares Core MSCI Europe etf is 0.10% TER and the iShares core MSCI EM is 0.25% TER. So that's a good deal to me. I have the b...
by Rotsevni
Fri Jun 09, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Am I too conservative?
Replies: 19
Views: 1805

Am I too conservative?

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 like this; Bonds 25% SP500 30% MSCI EM 20% MSCI EU 25% I started this ETF portfolio 1 year ago and I didn't face a ma...
by Rotsevni
Fri Apr 21, 2017 3:25 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39978

Re: Larry Swedroe says "Goodby."

Thank you Larry, I enjoyed reading your posts
by Rotsevni
Sun Feb 12, 2017 3:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 28913

Re: Your USER NAME...what does it mean?

Mines is investoR backwards
by Rotsevni
Thu Sep 29, 2016 4:26 am
Forum: Investing - Help with Personal Investments
Topic: 1st Portfolio need help/tips TY! [Netherlands resident buying Vanguard ETFs]
Replies: 7
Views: 439

Re: 1st Portfolio need help/tips TY! [Netherlands resident buying Vanguard ETFs]

Hello Joey welcome I agree with koekebakker that it's the best (for now as you just started out) to pick a one stock ETF wich covers the global market. When you accumulated more, say for instance 10.000, you can start subdividing your own asset allocation for maximizing returns & reducing risk a...
by Rotsevni
Tue Sep 20, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 13193

Re: Favorite Coffee

I brew my own coffee with the hario v60 or Kalita wave. I have an electrical Mazzer Super Jolly grinder and a handgrinder (lido 2). I use the lido 2 for slowcoffee
by Rotsevni
Tue Sep 13, 2016 12:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 2512

Re: Forum tops 3,000,000 post mark

What a wonderfull milestone hehe :sharebeer
by Rotsevni
Sun Jun 26, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 12433

Re: BREXIT - Whats the big deal?

When the EU was forming, many investment experts speculated that investing in Europe was going to be one of the best investing opportunities of the 20th century. I drank the kool aid and bought Fidelity Europe Fund. I didn't experience a significant loss; but, as I recall, I would have had better r...
by Rotsevni
Sat Jun 18, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798232

Re: What Book Are You Currently Reading? Part VI

The four pillars of investing

This book is legend!!!
by Rotsevni
Tue May 17, 2016 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Irish Resident - US domiciled ETFs portfolio
Replies: 71
Views: 8844

Re: Lazy EU based ETF portfolio

As an European I build my own lazy portfolio with all trade currency in euro's and I prefer the iShares accumulation ETF's for tax efficiency; iShares SP500 (acc) TER 0.07% Basecurrency = USD iShares MSCI EU (acc) TER 0,33% basecurrency = EUR iShares core MSCI EM (acc) TER 0,25% basecurrency = USD ...
by Rotsevni
Tue May 17, 2016 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Irish Resident - US domiciled ETFs portfolio
Replies: 71
Views: 8844

Re: Lazy EU based ETF portfolio

As an European I build my own lazy portfolio with all trade currency in euro's and I prefer the iShares accumulation ETF's for tax efficiency; iShares SP500 (acc) TER 0.07% Basecurrency = USD iShares MSCI EU (acc) TER 0,33% basecurrency = EUR iShares core MSCI EM (acc) TER 0,25% basecurrency = USD i...
by Rotsevni
Fri May 13, 2016 6:42 am
Forum: Investing - Help with Personal Investments
Topic: What's your EM tilt and why?
Replies: 43
Views: 3496

Re: What's your EM tilt and why?

I got 20% allocated in iShares Core EM ETF, i'm thinking about increasing my EM exposure to 25% because EM represents 24,6% of the world equity market cap in 2015 and because of my long time horizon(30 +- yr) I can handle some more volatility.
by Rotsevni
Tue May 10, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Coffee maker
Replies: 38
Views: 4639

Re: Coffee maker

It depends on what kind of coffee you'd like the most, are they milk based like caffe latte or cappucino's? Then you'll need a machine for sure. I would recommend a machine with a heatexchanger or double boiler, these are more expensive than a single boiler machine but you can regulate the temperatu...
by Rotsevni
Fri Apr 29, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Which bond ETF should I choose? [NED]
Replies: 3
Views: 447

Re: Which bond ETF should I choose? [NED]

I'm adding bonds for more stability and protection so I think the 1-3yrs euro government bond will suit me the most, even with the lower yield...
Thank you for some more explanation :D
by Rotsevni
Fri Apr 29, 2016 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Which bond ETF should I choose? [NED]
Replies: 3
Views: 447

Which bond ETF should I choose? [NED]

Hello Bogleheads, currently i'm starting my investing journey at a new broker which is significantly cheaper than my previous one. So I also had to make some changes in the ETF's I want in my portfolio. I'm doubting about one of the following bond ETF's but I don't know why I should choose a particu...
by Rotsevni
Mon Apr 04, 2016 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Doubting to change my portfolio (NED)
Replies: 1
Views: 332

Doubting to change my portfolio (NED)

Hey guys, thanks to you all who helped me creating a solid portfolio however, I think that I can make my portfolio more efficient as a dutch citizen due to taxes. So i've been thinking to replace some ETF's with reinvesting ETF's, besides tax advantages I think that a accumulating ETF is the best op...
by Rotsevni
Thu Mar 10, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: How much car to buy $$
Replies: 57
Views: 6311

Re: How much car to buy $$

I bought my (used) car in 2015 which costed me 25% of my yearly income
by Rotsevni
Fri Mar 04, 2016 5:50 am
Forum: Investing - Theory, News & General
Topic: A look at Emerging Markets, recency bias, and diversification
Replies: 32
Views: 4292

Re: A look at Emerging Markets, recency bias, and diversification

Great article ;-) Another good explanation for investing in international as well, since some bogleheads don't see the benefits of it

Thanks
by Rotsevni
Tue Mar 01, 2016 4:33 am
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 13640

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

I'm 75% in stocks at age 21, i'm wondering if im too conservative as I see people 100% stock in their 30's. Perhaps i'll change my AA when i'm going to rebalanca :D
by Rotsevni
Wed Feb 24, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Keep cash in savings account or bonds?
Replies: 11
Views: 2138

Re: Keep cash in savings account or bonds?

Thank you guys! As a result I just opened an online savings account which will give me an 1.1% interest rate, I didn't choose for a CD because I can't put my savings on that and I think 1.1% is a fair deal in these times I just noticed today that my bank gave me 0.6% while I was expecting it to be a...
by Rotsevni
Wed Feb 24, 2016 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Keep cash in savings account or bonds?
Replies: 11
Views: 2138

Keep cash in savings account or bonds?

Hello guys, i'm having a steady income and I think a pretty good savings/investing habit (38% of income saving/12% of income investing), a put aside roughly 50% of my income per month and im able to do this because I still live at my parents home so I have less expenses... lucky me Now i'm planning ...
by Rotsevni
Tue Feb 23, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to best auto-invest in Vanguard ETFs?
Replies: 3
Views: 986

Re: How to best auto-invest in Vanguard ETFs?

I agree with retiredjg, for monthly investing I suggest you to invest in mutual funds, since you also can buy 'parts' of a mutual fund instead of purchasing whole ETF's.

In my case I invested lump sum in ETF's and do my monthly investing with mutual funds,

Good luck
by Rotsevni
Tue Feb 23, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 8155

Re: What kind of car do you drive?

Renault Twingo 2011 version

Bought it second hand with 21k kilometers on it, my calculator tells me that's 13050 miles :D For 6500 Euro I think it's a good deal
by Rotsevni
Mon Feb 22, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 23660

Re: Netflix, Your Current Favorite Show

I'm following the serie Homeland Really addicting actually hehe Season 1 was the best. It got weaker in 2 and even worse in 3, but I thought 4 and 5 were great. Good to know, I only saw 1-3 and then dropped Showtime. If I get Prime I'll have to watch season 4. I'm surprised to hear it bounced back....
by Rotsevni
Fri Feb 19, 2016 5:00 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 23660

Re: Netflix, Your Current Favorite Show

I'm following the serie Homeland :D Really addicting actually hehe
by Rotsevni
Sat Feb 13, 2016 2:28 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 12276

Re: What is your decline in Net Worth as of today?

I try not to look at it often, but since i'm pretty new in investing and started in september '15 i'm very curious about how my portfolio is doing. Last time I looked (1 week ago) at my portfolio I saw a decline of about 6-7%. It made me a little bit nervous since I don't know my tolerance for risk,...
by Rotsevni
Sat Feb 06, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: USD/EUR cost averaging of ETFs from the EU
Replies: 22
Views: 2153

Re: USD/EUR cost averaging of ETFs from the EU

At DeGiro you can choose for 2 different accounts, Standard and Custody. With the custody account security's lending isn't possible. Both accounts have their pros and cons.
by Rotsevni
Fri Jan 22, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 7191

Re: Going from 50/50 US/Int to All US

FWIW, I'm of similar age to OP and am 100% invested in Total World Stock Index. It's about 50/50 domestic/international and I couldn't sleep any easier. Why? You think there will suddenly be economic growth in Europe, or Japan, or Brazil? Which countries would drive the increases you expect in non-...
by Rotsevni
Thu Jan 21, 2016 11:41 am
Forum: Investing - Theory, News & General
Topic: How to face worry?
Replies: 9
Views: 1176

Re: How to face worry?

These are some good questions for possibly avoiding costly mistakes, I will answer them for myself when i'm starting to worry Right now i'm down 10% and this is my first downturn/correction, I expected to be more anxious but totally don't feel that way (yet). I think my long term view and viewing my...
by Rotsevni
Wed Jan 20, 2016 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Doubting about monthly investment
Replies: 5
Views: 1330

Re: Doubting about monthly investment

Thank you guys for your view and advice I think my 'mistake' is that I was viewing my ETF portfolio and monthly Index Fund portfolio seperatly, I will keep investing in both Index Funds (VG global stock + VG govern bond) but I will have to adjust the amount of money sometimes so it will fit my alloc...
by Rotsevni
Tue Jan 19, 2016 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Doubting about monthly investment
Replies: 5
Views: 1330

Doubting about monthly investment

Hi all, besides my first lump sum investment in September 2015 I also started to invest monthly for building wealth for future needs. My AA is 60% stocks ETF's 10% REIT ETF's 25% bond ETF's 5% cash Since i'm 21 years old I still have many years left for a possibly recovering of my portfolio and maki...
by Rotsevni
Thu Jan 14, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798232

Re: What Book Are You Currently Reading? Part VI

Currently i'm reading "Why smart people make big money mistakes and how to correct them"... not one of the shortest title i've ever seen :p. This book is suggested from the Bogleheads book recommendations and is my first book on behavioral economics and the psychology of spending money. Ve...
by Rotsevni
Tue Jan 05, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2867
Views: 842644

Re: What Movie Have You Recently Watched?

The ridicilous 6

Great comedy adventure movie!!
by Rotsevni
Mon Jan 04, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 6034

Re: Thanks China!

I don't......

They even closed the market, no idea for how long
by Rotsevni
Fri Nov 06, 2015 7:45 am
Forum: Personal Consumer Issues
Topic: Buying an Imac
Replies: 2
Views: 693

Buying an Imac

Hello guys, Im thinking about buying an imac but i'm really surprised about the difference in prices between the US and the netherlands. I'm looking for the Imac 21,5 inch 2,8 ghz 16 gb (ME086N/A). At the US apple.com site I have to pay 1500 dollar which is currently 1380 Euro. However, at the dutch...
by Rotsevni
Thu Oct 08, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798232

Re: What Book Are You Currently Reading? Part VI

Currently i'm reading All about asset allocation - Richard ferri, Last 20 pages left That is a very good choice for leaning about asset allocation issues. It's one of my favorite books about investing. It's a great book for sure and it helped me a lot, before this book i read All about index funds ...
by Rotsevni
Thu Oct 08, 2015 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Monthly investing
Replies: 2
Views: 487

Monthly investing

Hello bogleheads investors, My portfolios consist of; 25% us stocks 20% europe stocks 15% emerging markets 10% reit 25% bonds 5% cash Besides my portfolio I also invest monthly which is currently 75% global stock market and 25% bonds. My question is, do you guys also invest monthly in bonds? I'm thi...
by Rotsevni
Thu Oct 08, 2015 3:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798232

Re: What Book Are You Currently Reading? Part VI

Currently i'm reading All about asset allocation - Richard ferri,
Last 20 pages left ;)
by Rotsevni
Mon Aug 31, 2015 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Personal Asset Allocation [Europe - Netherlands]
Replies: 2
Views: 488

Personal Asset Allocation [Europe - Netherlands]

Hello guys i'm Rotsevni, i'm 21 years old and im born & raised in the Netherlands. I hope you guys can criticize and give me some advice about my portfolio. My plan is to put 25.000 euro lump sum in a portfolio and to invest automatically 225 euro per month. My goal is to reach 175k in 20 years....
by Rotsevni
Sat Aug 29, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1077945

Re: The Three Fund Portfolio

VanGuards funds are great ( and many of them have a low expense ratio ) however my broker doesn't have most VanGuards funds..grrr