Search found 1028 matches

by TedSwippet
Sat Oct 01, 2016 3:45 am
Forum: Investing - Help with Personal Investments
Topic: Investing from the UK as a US resident (oh my!)
Replies: 7
Views: 407

Re: Investing from the UK as a US resident (oh my!)

When I mentioned this to HR, they told me that I'll have to opt out of the pension every month . I think that's ridiculous, but I intend to do it. This sounds like HR don't know what they are talking about. An employer has to auto-enrol new employees, and then re-enrol any opt-outs every three year...
by TedSwippet
Fri Sep 30, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 808

Re: Why are there fees every month in my Vanguard 401k?

Yet under the fee tab for each fund, I have "None" for purchase fee, redemption fee and 12-1b fee. So what fees are these? If you follow the links from My Accounts -> Employer Plans -> Plan Details -> Plan Communications can you see a Fee Disclosure or similar document(s) in the Legal and...
by TedSwippet
Fri Sep 30, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Investing from the UK as a US resident (oh my!)
Replies: 7
Views: 407

Re: Investing from the UK as a US resident (oh my!)

Does this check out? I'd say you have the right initial approach. You may well have to jump through some extra hoops to get a bank account in the UK as a US citizen; thanks to FATCA most are now very wary of taking on US citizens. Some may refuse you point-blank, while others will insist on a W9 be...
by TedSwippet
Wed Sep 28, 2016 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Transferred cash to UK account. Now what?
Replies: 8
Views: 399

Re: Transferred cash to UK account. Now what?

Being taxed on worldwide income is normal. The NZ FIF tax rules are the sort of additional tax nightmare I had in mind. It looks like in your case you would skirt well under the $50k limit and so escape the worst of it, but it's an example of just how much governments in general dislike their reside...
by TedSwippet
Tue Sep 27, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Transferred cash to UK account. Now what?
Replies: 8
Views: 399

Re: Transferred cash to UK account. Now what?

I doubt any of the 'normal' UK investment platforms -- Hargreaves Lansdown, Youinvest, and so on -- are going to let you open an account, either ISA or just regular trading. Some will occasionally take EU residents (perhaps after a bit of haggling!) but that's not you. Your best bet is probably to g...
by TedSwippet
Tue Sep 27, 2016 4:08 am
Forum: Personal Finance (Not Investing)
Topic: foreigner - closing 401k : what tax? [France]
Replies: 4
Views: 387

Re: foreigner - closing 401k : what tax? [France]

It's very difficult/unclear to know how I should declare this account to the french tax. It is quite unclear. The US/France tax treaty has been patched up more times than a hyperactive seven year old in a concrete playground. The main treaty from 1994 covers pensions and retirement savings -- on a ...
by TedSwippet
Mon Sep 26, 2016 3:53 am
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 1885

Re: How much is free lifetime healthcare worth? [Start business in US or Canada?]

Even if you are "covered" and face an exit tax, it's on unrealized gains and there is an exclusion amount of $626k (of unrealized capital gains) for each you and your spouse (assuming both are renouncing). For completeness, there are two more elements to the US exit tax that are often ove...
by TedSwippet
Sun Sep 25, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have a unique situation - how to execute Three-Fund Portfolio properly?
Replies: 6
Views: 741

Re: Have a unique situation - how to execute Three-Fund Portfolio properly?

boggledhead91 wrote:Or should I move my money to CAD, keep my emergency fund in USD, but invest in a Canadian version of the Three-Fund Portfolio?

If you're going to be resident in the US in future, almost certainly not this one. The US tax treatment of non-US domiciled funds will make you envy the dead.
by TedSwippet
Tue Sep 20, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: How to invest for Indian living in USA on H1 visa?
Replies: 21
Views: 1759

Re: How to invest for Indian living in USA on H1 visa?

You should ignore all the advice given so far in this thread and get an actual tax advisor who is skilled with cross-border tax planning for non-resident aliens (because that is what you will be if you leave the U.S. in the long term) ... It comes down to whether you think you will stay in the U.S....
by TedSwippet
Sun Sep 18, 2016 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Non-Resident Alien investor (Brazil + India) – Portfolio Advice Needed
Replies: 4
Views: 409

Re: Non-Resident Alien investor (Brazil + India) – Portfolio Advice Needed

I noticed that ETFS following the same index and issued by same issuers but denominated with different currencies vary quite a bit. ... should I one who has to invest in a different currency invest in the better performing currency? An ETFs trading currencies and its base currency are just convenie...
by TedSwippet
Sun Sep 18, 2016 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Best tax strategy for Non Resident Aliens
Replies: 3
Views: 309

Re: Best tax strategy for Non Resident Aliens

If your country has a US tax treaty you will probably pay less than 30% in US tax on dividends. The US tax treaty rates for dividends are here . Which country do you live in? Another way to sidestep most US dividend taxes (and all US estate taxes) is to buy ETFs that are not domiciled in the US, for...
by TedSwippet
Sat Sep 17, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Here goes nothing: UK citizen, Saudi based, mid-30s.
Replies: 14
Views: 1249

Re: Here goes nothing: UK citizen, Saudi based, mid-30s.

If there's a chance of someone moving back to UK, I usually suggest ones domiciled in Ireland? I would call that an excellent rule of thumb. There are some US domiciled ETFs that are UK-reporting, but all -- or at least all I know of, and very likely all we'd be interested in here -- domiciled in I...
by TedSwippet
Sat Sep 17, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Here goes nothing: UK citizen, Saudi based, mid-30s.
Replies: 14
Views: 1249

Re: Here goes nothing: UK citizen, Saudi based, mid-30s.

just get the cheapest, never mind its reporting status. Reporting status is certainly a non-issue until back in the UK. Beyond that though, the decision is not at all as black-and-white as just getting the cheapest. Many (perhaps most) of the apparently 'cheapest' ETFs -- that is, those with the lo...
by TedSwippet
Sat Sep 17, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Here goes nothing: UK citizen, Saudi based, mid-30s.
Replies: 14
Views: 1249

Re: Here goes nothing: UK citizen, Saudi based, mid-30s.

Someone from Guardian Wealth Management was pushing me to consider a wrapper for my funds. Would that be the same Guardian Wealth Management mentioned in this article ? I guess if I can buy index funds through TDI that have the HMRC "Distributor" status I should be good to go. Right. I ha...
by TedSwippet
Thu Sep 15, 2016 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: UK Investment Plan (SIPP + ISA) Starting Out
Replies: 19
Views: 988

Re: UK Investment Plan (SIPP + ISA) Starting Out

Vanguard's research paper on 'Best Practices' for ETF Trading might be useful. An excerpt: Three of the key best practices discussed for individual investors who trade ETFs are: (1) avoid the use of “market” orders—instead, consider using “marketable limit” orders; (2) avoid trading at either the ma...
by TedSwippet
Tue Sep 06, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1027

Re: Visiting Peru/Macchu Picchu during Columbus Day?

triceratop wrote:Don't visit the UK during July 4, I heard there are raucous celebrations and, overall, too much noise.

Yup. We call it Good Riddance Day.
by TedSwippet
Mon Sep 05, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Fund fees unclear, is something hidden? [UK]
Replies: 16
Views: 1178

Re: Fund fees unclear, is something hidden? [UK]

'Platform' fees relate to Unit Trusts (Mutual Funds) and similar; not Stocks, ETFs, Investment Trusts, etc. This is why some as noted above prefer ETFs to Unit Trusts. Some platforms charge 'platform fees' only for funds, and some charge 'platform fees' for all investments held (funds, stocks, ETFs...
by TedSwippet
Mon Sep 05, 2016 3:17 am
Forum: Investing - Theory, News & General
Topic: Fund fees unclear, is something hidden? [UK]
Replies: 16
Views: 1178

Re: Fund fees unclear, is something hidden? [UK]

I am also confused as the same words are used by different companies but in a different order, sometimes in singular or plural: ... Absent any other indication I would assume that these are all the same thing, and that different organisations just move the words around a bit through ignorance or ca...
by TedSwippet
Sun Sep 04, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

galeno wrote:That would be for USA-domiciled equity ETFs.

Indeed, and I should have added that qualification.

Thanks for the note -- it just goes to show how nuanced and subtle this entire area can be. (Excepting the US estate tax for NRAs of course; there's nothing at all subtle about that sledgehammer.)
by TedSwippet
Sun Sep 04, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Fund fees unclear, is something hidden? [UK]
Replies: 16
Views: 1178

Re: Fund fees unclear, is something hidden? [UK]

It is safe to say that broker and investment platform charges in the UK are currently in a poor state. All of the recent push towards cost transparency has reduced costs, in some cases dramatically. But... the increased complexity of what retail investors have to deal with when comparing fees is now...
by TedSwippet
Sat Sep 03, 2016 3:12 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy 100 alternatives
Replies: 4
Views: 663

Re: LifeStrategy 100 alternatives

I'm looking for cheaper alternatives to the LS 100 since Fidelity are charging me 0.35% annually. I'm based in the UK and most definitely cannot afford to buy from Vanguard directly. Some immediate thoughts. You could cut this 0.35% Fidelity charge to 0.25% straight away by simply investing through...
by TedSwippet
Thu Sep 01, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

...and just to be geeky, the countries that have treaty rates for US dividends that are lower than the 15% rate for Ireland are: Bulgaria, China, Japan, Mexico, Romania and Russia. All at 10%. These countries clearly employ good treaty negotiators, and their residents may do better in cashflow terms...
by TedSwippet
Wed Aug 31, 2016 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Investing from Europe (Portugal)
Replies: 9
Views: 704

Re: Investing from Europe

Welcome. If you haven't already see it, you should find answers to several of your questions in the EU Investing wiki page. There are also some pages that are specific to individual countries , and one of them might apply to you. Europe is not homogeneous, and there are significant differences in wh...
by TedSwippet
Tue Aug 30, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

In US version you lose 15%, but don't pay that at home. In IRL version you lose 0% in IRL, but pay 15% at home. At the end it's the same 15%, but IRL version has higher TER. To choose you need to answer - how much is (internal fund withholding of incoming funds * TER)? That is the deciding factor, ...
by TedSwippet
Tue Aug 30, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

- For funds holding only US stocks/bonds AND having a tax treaty: it's a no brainer (disregarding estate tax) to use US domiciled funds. You only pay tax treaty rate and avoid your double taxation. Too simplistic. It might be better to use US domiciled funds (although I would not dismiss the confis...
by TedSwippet
Tue Aug 30, 2016 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard S&P500 ETF: London vs Hong Kong?
Replies: 5
Views: 459

Re: Vanguard S&P500 ETF: London vs Hong Kong?

... as a HKG tax resident - if I bought into a Vanguard fund domiciled in Ireland through Interactive Brokers (based in HKG) the net tax liability would be 15%. That's right. If you buy a US domiciled S&P 500 ETF the broker will withhold 30% (non-reclaimable) of all dividends in US tax. If you ...
by TedSwippet
Tue Aug 30, 2016 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

So, in the U.S. case, the broker provides a tax document and keeps records at the point of dividend distribution, but the broker in the Irish case can't provide a tax document because this is all fund-level accounting? This. The broker creates a tax document showing what dividends they (the broker)...
by TedSwippet
Mon Aug 29, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

Go with the Ireland domiciled ETFs. It's a "no-brainer". It might actually not be that clear-cut, at least from the dividend tax leakage angle. From earlier postings it seems that Lithuanian tax on dividends is (a flat?) 15%. So if the OP holds US domiciled ETFs they pay 15% treaty rate t...
by TedSwippet
Mon Aug 29, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 30
Views: 1494

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

Looks like countries without a treaty that exemption is only $60k. I don't know if it's specified in the treaty with Lithuania or not. There are ordinary tax treaties and there are estate tax treaties. The two are separate. The US has a reasonable number of ordinary tax treaties , but only a tiny h...
by TedSwippet
Fri Aug 26, 2016 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Degiro for nonresident/noncitizen of USA or EU?
Replies: 13
Views: 982

Re: Degiro for nonresident/noncitizen of USA or EU?

Query: ETFs domiciled in Ireland, iShares or Vanguard will be my primary vehicles for investment since they are supposed to avoid USA Estate Tax, but IB does not seem to allow trading on an Irish stock exchange. Such funds are nevertheless available via IB on the LSE (London UK). Any negatives on p...
by TedSwippet
Wed Aug 24, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a Brit in the US
Replies: 4
Views: 301

Re: Advice for a Brit in the US

I think you need to make a decision as to whether you would like this move to be permanent or not. That one, right there. The US has a bunch of tax laws that make life extremely difficult for people who move around internationally, and the only real way to protect against surprises later is to have...
by TedSwippet
Sun Aug 21, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Delimma for Irish investor
Replies: 5
Views: 364

Re: Delimma for Irish investor

If you haven't already seen it, there's a lengthy thread here on the weirdness of the way Ireland taxes its residents on Ireland domiciled ETFs. Given this, and in a complete turnaround from the best practice for non-US residents in general, it seems you're right to consider US domiciled ETFs before...
by TedSwippet
Fri Aug 19, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: European currently living in the U.S. in need of advice
Replies: 15
Views: 1161

Re: European currently living in the U.S. in need of advice

Make sure you are in the US Social Security system- it is relatively generous, it will pay even if you don't live in the USA, and the underlying demographics are good for a developed world scheme (much better than Germany or Italy, say). It will pay you something, in the future, most likely Althoug...
by TedSwippet
Wed Aug 17, 2016 3:42 am
Forum: Personal Finance (Not Investing)
Topic: US Estate Tax for NRA Joint Tenancy with NRA Wife
Replies: 6
Views: 560

Re: US Estate Tax for NRA Joint Tenancy with NRA Wife

The critical element here is really the 'situs' of the assets, not of the broker. You could hold a heap of non-US stocks in a US broker and remain free and clear of US estate taxes. Conversely, holding a heap of US stocks in a non-US broker is technically exposed to US estate tax. With that in mind ...
by TedSwippet
Tue Aug 16, 2016 2:51 am
Forum: Personal Finance (Not Investing)
Topic: US Estate Tax for NRA Joint Tenancy with NRA Wife
Replies: 6
Views: 560

Re: US Estate Tax for NRA Joint Tenancy with NRA Wife

... Once they know one of you has died, I believe the requirement is for the broker (TDAmeritrade) not to transfer funds to the spouse until you have a certificate from the IRA that you are estate tax clear. Since half the account is going from one spouse to the other, that amount [over?] $60k woul...
by TedSwippet
Thu Aug 04, 2016 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Information On Investing In The United Kingdom [US ex-pat]
Replies: 6
Views: 421

Re: Information On Investing In The United Kingdom [US ex-pat]

-- UK investing but doublecheck the applicability due to the citizenship of your daughter. Sadly, virtually nothing on this wiki page will be of use to a US person living in the UK. Every fund listed is a PFIC under US tax law, and therefore something that US citizens should avoid like the plague ....
by TedSwippet
Mon Jul 25, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: $1.2 million in cash [How to invest from Hong Kong]
Replies: 13
Views: 1751

Re: $1.2 million in cash [How to invest from Hong Kong]

The US NRA laws appear far reaching and even overreaching. Are you saying ALL foreigners are subject to this estate tax if they own US based mutual funds (i.e. Vanguard mutual funds)? Yes. That's the situation. Hold more than $60k in 'US situs' assets -- this includes stock of US companies, US domi...
by TedSwippet
Thu Jul 21, 2016 3:27 am
Forum: Investing - Help with Personal Investments
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 59
Views: 11393

Re: Non-US citizen with US Brokers: Estate Tax risk?

But all this talk about changing laws etc makes me quite nervous. Also TedSwippet commented on another thread about the process and there were lots of US IRS forms mentioned and a 9 month delay... You can relax. You have done everything sensible to counter both unnecessary US dividend tax and any p...
by TedSwippet
Thu Jul 14, 2016 11:43 am
Forum: Investing - Help with Personal Investments
Topic: First-timer Investing in Bonds and ETFs [UK]
Replies: 14
Views: 897

Re: First-timer Investing in Bonds and ETFs [UK]

... so I am better of just keeping it in for now I think until I get up to about £5000 or so? Then I will move somewhere with a flat rate fee. Seems about right to me, given what you plan to do. At the moment even a steep-looking 0.45% annual fee on holdings will be lower than what you would pay in...
by TedSwippet
Thu Jul 14, 2016 3:07 am
Forum: Investing - Help with Personal Investments
Topic: First-timer Investing in Bonds and ETFs [UK]
Replies: 14
Views: 897

Re: First-timer Investing in Bonds and ETFs [UK]

I've just logged into HL and it seems that they have no fees for trading ETFs? Anyway I have just purchased £1000 of lifestrategy 80 and have no fees. LifeStrategy 80 is an OEIC fund , not an ETF. Hargreaves Lansdown charges nothing for fund transactions, but it does charge 0.45% annual fund manage...
by TedSwippet
Wed Jul 13, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: UK Newbie - 23, advice please!
Replies: 3
Views: 270

Re: UK Newbie - 23, advice please!

Vanguard FTSE Developed World ex-UK Equity Index (£865), Accumulation (GBP) Vanguard LifeStrategy 80% Equity (£819), Accumulation (GBP) Vanguard LifeStrategy 80% Equity (£516), [Income, presumably?] This looks slightly weird to me. Unless these are in separate accounts -- say one in a SIPP and one ...
by TedSwippet
Tue Jul 12, 2016 3:16 am
Forum: Investing - Help with Personal Investments
Topic: What's a new, 70 yr old European investor to do [France]
Replies: 3
Views: 416

Re: What's a new, 70 yr old European investor to do [France]

... Vanguard funds or even ETFs could not be purchased in any of her accounts. And apparently you can't buy those in a PEA because it's a US fund. Vanguard's US funds may be problematic, but Vanguard's EU domiciled funds and UCITS ETFs ought to be accessible through a French brokerage, bank, or oth...
by TedSwippet
Mon Jul 11, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Dubai Based Investment Planning - the way to go ?
Replies: 8
Views: 798

Re: Dubai Based Investment Planning - the way to go ?

Welcome to the forum. Lots to digest here, but I'll just pick up on one item. I assume below that you are not a US citizen (or green card holder), although you haven't made this explicit. If this is wrong and you are a US citizen then please amend your initial post to indicate this. 3. Should I worr...
by TedSwippet
Mon Jul 11, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Australian Asset Allocation
Replies: 8
Views: 473

Re: Thoughts on Australian Asset Allocation

A few years ago Vanguard released a research paper on the effects of home country bias in asset allocations. Australia is one of the countries covered by the report. You can find it here:

https://pressroom.vanguard.com/nonindexed/6.26.2012_The_Role_of_Home_Bias.pdf
by TedSwippet
Mon Jul 11, 2016 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Investments for Non US Citizens
Replies: 17
Views: 1951

Re: Tax Efficient Investments for Non US Citizens

What about additional costs such brokerage fees and bid /aks spread? ... In your experience, do these have negligible influence? Sorry, not my area. I live in a country with a US tax treaty but also with its own range of Vanguard funds for 'locals', so for the most part I can avoid tangling with br...
by TedSwippet
Sat Jul 09, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Investments for Non US Citizens
Replies: 17
Views: 1951

Re: Tax Efficient Investments for Non US Citizens

T3) I've checked some Ireland vs US etf's and making the math the difference seems to be thin (0.2% for example). ... You lost me on the numbers. Vanguard's own reports for both VT and VWRD show the same dividend yield of 2.6%. Also, you do not pay any additional 15% tax on dividends from Ireland d...
by TedSwippet
Sun Jul 03, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Ireland versus the USA
Replies: 15
Views: 1775

Re: Ireland versus the USA

Seems like VEU is a us-centric fund that is not listed on other exchanges. Are there any Irish ETFs that are the same as VEU (FTSE All-World ex US)? Not that I know of, though I haven't searched thoroughly. In practice it would mostly be only US investors who will be greatly interested in a world e...
by TedSwippet
Sat Jul 02, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ireland versus the USA
Replies: 15
Views: 1775

Re: Ireland versus the USA

What if, after switching over to Ireland, the political landscape in USA changes (which is quite likely), the tax code gets changed? I am sure we can expect change, because change is about the only constant in US tax law, but it is highly unlikely to be an improvement. In the nearly two decades tha...
by TedSwippet
Sat Jul 02, 2016 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Investments for Non US Citizens
Replies: 17
Views: 1951

Re: Tax Efficient Investments for Non US Citizens

But we've had estates of non-U.S. persons with assets in the U.S. that have paid U.S. estate tax. A few years ago a family friend died. He was a non-resident alien, and his US broker would not release funds to the estate until they received clearance from the IRS. To get this required me to file fo...
by TedSwippet
Fri Jul 01, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: US Based Investor With U.K Sterling
Replies: 17
Views: 1325

Re: US Based Investor With U.K Sterling

... it appears the FTSE 100 has already exceeded pre brexit figures ... I wouldn't necessarily ascribe this to confidence in the UK markets. A lot of the FTSE 100 stocks are multinationals or companies that make a lot of their revenue outside the UK. When the GBP falls their 'discounted future earn...

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