Search found 16 matches

by ebblv
Sun May 07, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

m explains it quite well. I guess this means the bid/ask is where one would indirectly pay for creation or redemption. In stocks ETFs I imagine liquidity of the underlying securities makes this process seamless. What happens with bonds? I thought they don't tend to be as liquid. Especially curious a...
by ebblv
Sat May 06, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

I've been selling off more of my old investments and moving to this portfolio. But one thing worrying me about 2 of the bond ETFs I've decided to go with is the volume. This is the data I'm looking at: VDCP: Vanguard USD Corporate Bond UCITS ETF m VDTY: Vanguard USD Treasury Bond UCITS ETF m The vol...
by ebblv
Mon May 01, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

Thanks for the confirmation!
by ebblv
Fri Apr 21, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

galeno, I've finally begun executing on this portfolio on IB and wanted to confirm that VUSD, VWRD, VDCP, VDTY are on the LSE and IDTP is on the LSEETF (at lease according to IB). Does this sound right to you? Thanks!
by ebblv
Sat Mar 11, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

It's a nice portfolio but I would hold all treasuries directly through a US broker which lets you buy them commission free. As a NRA you pay no tax on interest and no ongoing charges compared to ETF that has ongoing charges and you have to pay tax on dividends. I was trying to do research around th...
by ebblv
Sat Mar 11, 2017 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

this is a discussion about which color sprinkles are better: rainbow vs chocolate But I want both! I want a US biased portfolio with a good chunk dedicated to the S&P500 index (based on the same advice you mentioned), and this seems like a good way to get that. It also will help save me a littl...
by ebblv
Fri Mar 10, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

I like your FI allocation. Thanks! Coming from you this calms me even though I don't know you Home biased USAmerican? I'm not entirely sure what that means.. Me and my wife will be NRAs soon. Or do you think 0.2% extra cost is worth diversifying outside of just USA equities? I would like some inter...
by ebblv
Thu Mar 09, 2017 1:49 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

I'm getting close to being able to execute on my allocation! I've revised it because I think I can reduce risk while still meeting my goals. But I'm having a difficult time understanding how/if my fixed income allocations are correlated well with my equities and are protecting me. galeno, my fund ch...
by ebblv
Fri Feb 03, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

Interesting, so I can keep the cash in US accounts, invest in Irish domiciled funds, and not be affected by US dividend tax (directly) or inheritance tax? Still wondering if a non-US bank would be preferable here.
by ebblv
Wed Feb 01, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

Hmm, looks like proximity wise Basel, Switzerland is actually better. Those are the 2 places I've seen repeatedly as good locations with highly rated banks.
by ebblv
Wed Feb 01, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

galeno, I've read so many of your posts and they have been tremendously helpful. You rock! I understand the importance of taxes with US domiciled funds vs Irish domiciled funds. Another thing that I've learnt with the information you guided me to is that this may also simplify the inheritance tax as...
by ebblv
Sun Jan 29, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

Thanks for all the suggestions, now I'm doing research knowing that I can't access the more typical Vanguard funds. It's sad really, I really liked the idea of VBIAX | Vanguard Balanced Index Fund Admiral Shares, I could have put 80%+ in that one fund and things would have been simple! Seems like I'...
by ebblv
Sun Jan 29, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Re: Live off portfolio NOW (non US)

Sorry for the split threads! This is great information -- I will do some more reading and come back with questions.
by ebblv
Sun Jan 29, 2017 2:59 am
Forum: Investing - Help with Personal Investments
Topic: Understanding fund return breakdown for tax purposes (W8-BEN)
Replies: 2
Views: 279

Understanding fund return breakdown for tax purposes (W8-BEN)

I'm doing research on funds as a non US resident . The tax impact to me is that dividends (and similar income) is taxed at a flat 30% rate (I will have a CPA handle the taxes). Capital gains on the other hand are tax free for me. Looking at a fund, for example VBIAX | Vanguard Balanced Index Fund Ad...
by ebblv
Sun Jan 29, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Vanguard for non US resident or equivalent indexes

[Thread merged into here, see below. --admin LadyGeek] I'm considering these 3 funds to make up most of my portfolio: VBIAX | Vanguard Balanced Index Fund Admiral Shares VTIAX | Vanguard Total International Stock Index Fund Admiral Shares VTABX | Vanguard Total International Bond Index Fund Admiral...
by ebblv
Fri Jan 27, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 6555

Live off portfolio NOW (non US)

- I am not a US citizen. - I was a temporary resident, but soon I will be living in the Dubai, UAE which does not have any taxes. - I want to setup a passive investment portfolio that I'd like to live off starting now. - I want to minimize dividends and other US taxable income, I will pay flat 30% t...