Search found 57 matches

by TM90
Mon Nov 13, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 34
Views: 5176

Re: BOGLEHEADS 2017 VIDEOS

Hello can a descriprion be added to the videos to see which questions are answered and which topics they talk about? It would be easier because the videos are quite long.
by TM90
Thu Nov 02, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2356

Re: Low income but good savings rate... spend?

Thank you for this post, I'm the same age as you and I'm also too obsessed with my financial goals. Feels good reading the comments of the more experienced people on the forum. Currently my savings rate is 10% and in December my net worth goal is 30k and if all goes well I will have more then 30k in...
by TM90
Thu Oct 26, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12566

Re: Request for Promotion letter to Senior Management

The letter you made is not a good idea i think. Why don't you send him a letter in which you state you would like a conference call or meeting with him to discuss his views on what is needed to be promoted. That way you can give him a heads up about your demand as you wanted but also show your matur...
by TM90
Wed Sep 20, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Car almost paid off then what?
Replies: 6
Views: 1231

Re: Car almost paid off then what?

You should look at the maintenance schedule. Many items (hoses, belts, timing belt, water pump) need to be replaced by either distance or time, whichever comes first. For a lot of people, the timing belt change becomes the tipping point to dump a car. If you can do it yourself, then it's far less o...
by TM90
Wed Sep 20, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Car almost paid off then what?
Replies: 6
Views: 1231

Re: Car almost paid off then what?

Edited first post with other saving goals and emergency fund!
by TM90
Wed Sep 20, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Car almost paid off then what?
Replies: 6
Views: 1231

Car almost paid off then what?

Hello fellow Bogleheads I'd like to tap into the great wisdom of the members of this forum for some advice on what to do when my car loan is paid off in march next year. -Current car: 9 years old, in very good condition, 98000 km on the clock, BMW -Montly payoff loan: 284 euro I want to keep this ca...
by TM90
Mon Sep 18, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 13432

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

I would like to hear Mr Bogle's personal opinion on investing from other parts of the world. For US investors he recommends holding some international but it is nog necessary. How should someone from Europe or Asia translate this to their personal portfolio? Should they also be heavily weighted in l...
by TM90
Sat Sep 16, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 55
Views: 3424

Re: adapt portfolios to european investor

Hi I currently hold the ishares core euro government bond etf in my portfolio. There are a couple of ways you can choose your bond etf: Ishares core Euro aggregate bond dist - More correlation to stocks because of corporate bonds - Highly diversified - More volatile but potentially more profit - Int...
by TM90
Wed Aug 09, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4274

Re: How to not obsess over investments?

Ever since I started investing I'm obsessed with it. I check my portfolio a couple times a day. I have a boglehead portfolio now but sometimes I feel like I want to do stock picking just because I like to spend my time looking for stock. So I started a virtual portfolio.. So now I constantly compare...
by TM90
Tue Aug 08, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

My transaction costs: IWDA: Transaction cost: 15 euro Tax: 26,8 euro Euro bond: Transaction cost: 15 euro Tax: 4 euro EMIM: Transaction cost: 7,5 Tax: 3,55 Small cap: Transaction cost: 15 euro Tax: 5,37 euro Total: 92,22 So around 0,6% I think I added the drop in the NAV to the transaction costs. Br...
by TM90
Thu Aug 03, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Hi everybody Just a quick update on my portfolio (transaction costs are included in returns and are around 1%) Ishares MSCI World -3.98% Ishares Euro govt bond -1.40% Ishares Emerging Markets IMI -2.35% SPDR MSCI World Small Cap -4.77% Total return: -3.3% Pretty suprising to me considering the rise ...
by TM90
Wed Jul 26, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: [Best Investment to save for a car - European resident]
Replies: 11
Views: 283

Re: [Best Investment to save for a car - European resident]

As I learned from this forum and the boglehead books I'm wary of products offered to me by banks so I always do my research before buying but thank you for the heads up.
by TM90
Mon Jul 24, 2017 3:42 am
Forum: Investing - Help with Personal Investments
Topic: [Best Investment to save for a car - European resident]
Replies: 11
Views: 283

Re: Best Short Term, Liquid Investments

What would you do? Keep the money on a 0,5% CD? In the absence of a better alternative, yes. Risk free st govt bonds In Eurozone are paying negative nominal yields last time I checked. Getting anything from your bank is a bonus. I believe In Sweden they charge depositors a negative rate? You have t...
by TM90
Sat Jul 22, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: [Best Investment to save for a car - European resident]
Replies: 11
Views: 283

Re: Best Short Term, Liquid Investments

Hi all I wanted to bump this thread to ask some advice on saving for a car on a 5 year term. I'm from Europe (just thought I would best add that) My plan is to save the same amount monthly to the highest rate cd I can find and then every year put the saved cash into a short term bond etf ishares Eu...
by TM90
Fri Jul 21, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: [Best Investment to save for a car - European resident]
Replies: 11
Views: 283

Re: Best Short Term, Liquid Investments

Hi all I wanted to bump this thread to ask some advice on saving for a car on a 5 year term. I'm from Europe (just thought I would best add that) My plan is to save the same amount monthly to the highest rate cd I can find and then every year put the saved cash into a short term bond etf ishares Eu...
by TM90
Fri Jul 21, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: [Best Investment to save for a car - European resident]
Replies: 11
Views: 283

[Best Investment to save for a car - European resident]

[Moved into a stand-alone thread from: Best Short Term, Liquid Investments --admin LadyGeek] Hi all I wanted to bump this thread to ask some advice on saving for a car on a 5 year term. I'm from Europe (just thought I would best add that) My plan is to save the same amount monthly to the highest ra...
by TM90
Mon Jun 26, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

It has been done! I chose the government bond fund for minimum correlation to equities. Emergency fund: 3K Investments: Pension fund: 3.5K iShares Core MSCI World: 9.9K iShares Core € Govt Bond: 4.4K SPDR® MSCI World Small Cap: 2K iShares Core MSCI EM IMI: 1.3K Total invested : 21.1K 75% equity / 25...
by TM90
Sun Jun 25, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Thanks for the fast replies! But BeBH65 isn't volatility higher in that ETF? Yes Ned I'm quite happy with it I think this is a good portfolio for a Belgian investor. Sometimes I still ponder about choosing this 4 fund portfolio or a simple 2 fund portfolio but returns are almost identical and IMO th...
by TM90
Sun Jun 25, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

25% ¨bonds iShares € Govt Bond 5-7yr UCITS ETF EUR (Dist) (EUR) | IEGY 100% Okay I've been researching a bit and this ETF only holds 23(!) positions? When I looked at the holdings of the 3-5yr duration ETF it only has 9(!!!) positions well that does certainly not look like buying the haystack to me...
by TM90
Thu Jun 22, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

I have it in a low interest savings account maybe a good idea to put it into my kbc start2save account?
by TM90
Thu Jun 22, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

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 Investment fund: 17k 75% equity iShares Core MSCI World UCITS ETF USD (Acc) (EUR) | IWDA...
by TM90
Sun Jun 11, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Thank you for referring me to the wiki page, I will use these weightings!
by TM90
Sun Jun 11, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax advantaged [pension] plan advantageous in Belgium?
Replies: 7
Views: 743

Re: tax advantaged plan advantageous in Belgium?

As for myself I don't use the tax advantaged account anymore. The 30% tax return is peanuts in the long haul. Also the government needs money, badly. They won't hesitate raising taxes. Another reason I don't use it anymore is because of liquidity. All the money you save in this account is only acces...
by TM90
Sun Jun 11, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

I read somewhere market cap was 50 30 20 So I guess that was wrong!
by TM90
Sun Jun 11, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Thank you for your reply nedsaid, isn't my weighting towards mid and small caps the same as market cap?
by TM90
Sun Jun 11, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

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% SPDR® MSCI ...
by TM90
Fri Jun 02, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What to do with first savings
Replies: 9
Views: 1040

Re: What to do with first savings

Yes my salary is normal for my age in europe and for someone of my degree (which I don't have). But I consider it low.. I know it seems very hard to pay off the loan but it would be the same amount I'm paying as when you add up my rent and my current loan. In my country it's normal to have a loan fo...
by TM90
Thu Jun 01, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: What to do with first savings
Replies: 9
Views: 1040

Re: What to do with first savings

Nobody?
by TM90
Wed May 31, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with first savings
Replies: 9
Views: 1040

Re: What to do with first savings

You don't need to own real estate to have a good investment portfolio. There are distinctive pros/cons with renting vs. buying a house. It really depends on your situation as to which one is more suited for you. Can you provide more information please? It would help if you could tell us: *What your...
by TM90
Wed May 31, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with first savings
Replies: 9
Views: 1040

What to do with first savings

Hello fellow bogleheads, I'm a 26 year and I've managed to save around 22k. But now I'm stuck between deciding what to do with it.. I'm currently renting an appartment and 50% of my savinga are in my investment portfolio. Lately I've been pondering if investing this amount is the smart thing to do b...
by TM90
Sun May 14, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio for European investors and currency risk
Replies: 2
Views: 388

Re: Porfolio for European investors and currency risk

Hi I am currently also looking into this matter. From what I have learned: ETF should be based in Ireland because of no double taxation on dividends and the base currency of the ETF should be EURO or the ETF should be hedged to EURO to reduce currency risk. for example: if you buy 1000 euro worth of...
by TM90
Sat May 13, 2017 2:12 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 63
Views: 9778

Re: What Percentage To Put In International Stock?

So consensus is about 20% but I'm a foreign investor and bogleheads recommended me to invest in the msci world which is 40% international? So I modified the date to 2017 in portfoliovisualiser and there's a quite big difference in return. Why would I need to be heavily invested in international stoc...
by TM90
Sun May 07, 2017 4:47 am
Forum: Investing - Help with Personal Investments
Topic: [European investor] CSPX or IWDA?
Replies: 6
Views: 659

Re: [European investor] CSPX or IWDA?

Well one can also say the s&p 500 is also a haystack.. it clearly has a better track record if you compare the two.. Some bogleheads just own total stock market and total bond market why should EU investors invest more internationally?
by TM90
Sun May 07, 2017 3:46 am
Forum: Investing - Help with Personal Investments
Topic: [European investor] CSPX or IWDA?
Replies: 6
Views: 659

Re: [European investor] CSPX or IWDA?

Bump

Would also like to know why msci world is suggested for EU investors instead of S&P 500.
by TM90
Tue Apr 18, 2017 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6345

Re: Young EU Investor

I'm also from Europe my portfolio: 75% ishares msci world IWDA 15% vanguard Eurozone government bond VETY 10% cash Set and done, rebalance annually and adjust bond+cash % to age I admire the simplicity of your set-up. The simpler the better IMO but I will certainly add emerging markets, REITS and s...
by TM90
Tue Apr 18, 2017 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6345

Re: Young EU Investor

I didn't have this portfolio for 7 years but I researched historical data on m*. I'm reforming my portfolio bit by bit this year to the portfolio I suggested in my earlier post. The 10% cash is my emergency fund and I'm still contemplating whether to include it in my portfolio or not. 10% sounds a l...
by TM90
Mon Apr 17, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6345

Re: Young EU Investor

I'm also from Europe my portfolio: 75% ishares msci world IWDA 15% vanguard Eurozone government bond VETY 10% cash Set and done, rebalance annually and adjust bond+cash % to age I admire the simplicity of your set-up. The simpler the better IMO but I will certainly add emerging markets, REITS and s...
by TM90
Sat Apr 15, 2017 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6345

Re: Young EU Investor

I'm also from Europe my portfolio:

75% ishares msci world IWDA
15% vanguard Eurozone government bond VETY
10% cash

Set and done, rebalance annually and adjust bond+cash % to age
by TM90
Mon Mar 20, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

I did some calculations and I feel comfortable with this AA: 75% stocks 15% bonds 10% cash Yearly rebalancing with shifting 5% to bonds from stock each 5 years Thoughts? Absolutely fine, but except for emergency funds don't hold cash or unless you need to meet certain minimums to buy funds. The big...
by TM90
Mon Mar 20, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Hi TM90, I did some calculations and I feel comfortable with this AA: 75% stocks 15% bonds 10% cash Is this part of your investments? or is this your cashflow and/or emergency fund? In general we keep these outside of the AA, as the AA for long term investment goals like retirement need another AA ...
by TM90
Mon Mar 20, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

I did some calculations and I feel comfortable with this AA: 75% stocks 15% bonds 10% cash Yearly rebalancing with shifting 5% to bonds from stock each 5 years Thoughts? Absolutely fine, but except for emergency funds don't hold cash or unless you need to meet certain minimums to buy funds. The big...
by TM90
Sun Mar 19, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

I did some calculations and I feel comfortable with this AA:

75% stocks
15% bonds
10% cash

Yearly rebalancing with shifting 5% to bonds from stock each 5 years

Thoughts?
by TM90
Fri Mar 17, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

hi TM90, The first fund is my pension fund, every year I invest 940 euros (maximum amount in 2017) in it and I get 30% of the 940 as a tax benefit. Take a god look at the cost of the funds: both the entry cost as the yearly expense ratio are important. In Belgium there are provider that still dare ...
by TM90
Fri Mar 17, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Hey thanks for your reply The first fund is my pension fund, every year I invest 940 euros (maximum amount in 2017) in it and I get 30% of the 940 as a tax benefit. The threadneedle fund is an actively managed mutual fund and I intend to sell it. As for the individual stocks I don't intend to invest...
by TM90
Thu Mar 16, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

So today I took a leap of faith and I bought my etfs my portfolio now is: - iShares Core MSCI World UCITS ETF USD (Acc) 30% - BNP Paribas B Pension Growth 25% - Vanguard EUR Eurozone Government Bond UCITS 15% - Threadneedle European Select Fund Retail Accumulation EUR 15% (will be sold or replaced w...
by TM90
Thu Mar 09, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

So your saying if there would be a default or restructuring all euro countries would be affected and thus it doesn't matter which countries the etf holds most?
by TM90
Thu Mar 09, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

There is a global bonds etf but it is not capitalizing and it is valued in usd
by TM90
Thu Mar 09, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

Hi thank you for your reply! Although I didn't mention them, I haven't forgotten about the other costs but I didn't mention them because they were clear to me. I also would like to invest in euro government bonds but most irish domiciled ETF's either distributing or capitalising contain bonds from i...
by TM90
Thu Mar 09, 2017 3:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 5057

Re: Portfolio for belgian (Europe) investor

So I did some research on taxes on etfs The German bond etf is listed on the German stock exchange so they tax: 25% on dividend in Germany + 30% on dividend in Belgium so net dividend would be around 55% That's a bit expensive to me! I'm now considering this etf: m This etf is capitalizing and has: ...