Search found 48 matches

by imperia
Mon Sep 18, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Is there any lower-cost alternative to Irish-domiciled equity funds? [+ asset allocation advice for Singapore]
Replies: 9
Views: 465

Re: Asset Allocation advice [Singapore]

You want to replace IWDA, TER:0,20%, with CSPX and VIU(combine TER;0,14%) you will save:0,20-0,14=0,06% For 1.000.000$ portfolio that is 600$/year For 100.000$ portfolio that is 60$/year How much is the cost of the broker for one trade, becouse you need to make two trades instead of one. I use IB an...
by imperia
Sun Sep 17, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

I am Croat and this information for Croatia is 100% correct.

I am not sure there is web site on english that cover tax regime in EU.

I have find this site

http://www.globalpropertyguide.com

It is for realestate not for shares and ETF, but maybe you can find something interesting.
by imperia
Sun Sep 17, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

Croatia has nice tax regime. There is no dividend tax for accumulating ETF, and best part is with capital gain tax(CGT). CGT is 12%, but only if you hold shares less than two years. If you hold shears more than two years then you are free. There is no CGT in Croatia for sharea that you hold more tha...
by imperia
Sat Sep 16, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

In Germany you need to pay dividend tax for accumulation ETF. ETF reinvest dividend but you need to know amount of dividend that is reinvested, report that amount and pay dividend tax on that ammount. I red that from 2018 ETF will declare dividend to German goverment so dividend tax for accumulation...
by imperia
Sat Sep 16, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

EMG - Lyxor EuroMTS All-Maturity Investment Grade (DR) UCITS ETF EUR. This is France domicile ETF, try to find Ireland or Luxembrough domicile ETF, becouse of dividend tax. I once considered this ETF too, and if I remember correctly it does not pay dividends, it's Accumulating. In Germany you need ...
by imperia
Sat Sep 16, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

This is wrong. Use IWDA for MSCI World index, and keep it simple. If you want you can add emerging markets. 90% IWDA+10%EIMI This is ok portfolio for begginer For bond part take some bond ETF, but I notice that you sugested EMG - Lyxor EuroMTS All-Maturity Investment Grade (DR) UCITS ETF EUR. This i...
by imperia
Sat Sep 16, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

SWDA and MWRD looks like same ETF.
What is reason for holding two ETF that tracks same index?
by imperia
Wed Sep 13, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

Best and biggest european ACWI ETF is SPDR MSCI ACWI UCITS ETF, TER:0.4%
but it is still expensive compere with EIMI+IWDA.
by imperia
Tue Sep 12, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

I am also thinking about iShares J.P. Morgan USD EM Bond UCITS ETF (JPEA), TER:0,45%, it is new accumulation ETF by ishares, and it tracks emerging market bonds issued in US Dollar. Total return in last 5years is 4,5% Hi Imperia, may I ask why have EM bonds issued in USD (and not in Euros) for a EU...
by imperia
Tue Sep 12, 2017 4:19 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

You can take SPDR MSCI World Small Cap UCITS ETF (ZPRS), TER:0,45% instead of two small caps ETF that you have choosed. It is more simple, and you will avoid brockers fee of buying two ETF. Think about this: 55% iShares Core MSCI World UCITS ETF (TER:0,20%), IWDA 10% iShares Core MSCI Emerging Marke...
by imperia
Mon Sep 11, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: adapt portfolios to european investor
Replies: 54
Views: 2557

Re: adapt portfolios to european investor

Italian member of this forum Fabio made ultimate buy and hold portfolio for EU investing: - 10% iShares Core MSCI Emerging Markets IMI UCITS ETF (TER:0,25%), EIMI - 20% iShares Core MSCI World UCITS ETF (TER:0,20%), IWDA - 20% iShares Edge MSCI World Value Factor UCITS ETF (TER::0,30%), IWVL - 20% S...
by imperia
Thu Sep 07, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Choosing an Online UK Broker
Replies: 5
Views: 410

Re: Choosing an Online UK Broker

Interactive Brockers UK
by imperia
Thu Aug 03, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for belgian (Europe) investor
Replies: 68
Views: 4444

Re: Portfolio for belgian (Europe) investor

See you in 40 years.

USD has lost about 10% compared to EURO but in next 40years there will bi many surprises
by imperia
Mon Jul 31, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: US Resident : Taxed on UK Equities?
Replies: 7
Views: 620

Re: US Resident : Taxed on UK Equities?

You pay capital gains where you live.
Answer is USA.
by imperia
Thu Jul 27, 2017 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 8
Views: 531

Re: Retirement investing for EU citizen [Slovenia]

In past stocks had great return, but in future...., I hope same return like on last 40years, but we will see.

Instead investing in bond or saving account you can pay off your mortgage, that is one option.
Return is not high,but it is safe.
by imperia
Thu Jul 27, 2017 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 8
Views: 531

Re: Retirement investing for EU citizen [Slovenia]

I think bank saving account is better than EU bonds,because you have fees for ETF,and brocker fees. I am thinking about emerging markets bond ETF, i shares has new accumulation emerging market bond ETF,with TER 0.45%, return is about 5%,but risk is larger. Invest in IWDA,and some amount in EIMI, but...
by imperia
Wed Jul 26, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 8
Views: 531

Re: Retirement investing for EU citizen

In EU there is no good bond ETF, so my advice is to use bank savings account instead of bond ETF. You allready have life insurance, and savings account, so you do not need bond ETF. IWDA is probably the best choice for EU investors,and you also can add emerging markets ETF EIMI EU investors often us...
by imperia
Tue Jul 25, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why non-US investors prefer iShares when other Irish ETFs have lower TER? [non-US/Europe]
Replies: 22
Views: 1329

Re: Why non-US investors prefer iShares when other Irish ETFs have lower TER? [non-US/Europe]

The cheapest is my current bank in Germany where basically everything is free, including ETF trading. In fact they paid me 75 EUR to open an account with them. Slightly off-topic, but may I ask you which German bank are you using for trading? I'm looking for a EU based broker and the only one I fou...
by imperia
Thu Jun 15, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of investing through London Stock Exchange for non-resident investors
Replies: 15
Views: 1390

Re: Tax implications of investing through London Stock Exchange for non-resident investors

This setup of holding Irish domiciled ETFs bought on the LSE using an account at Interactive Brokers (possibly a London based account) is what I'm planning to move into over the next couple of years as I expatriate from the US. Does anybody see any potential for Brexit to put an end to this? Will t...
by imperia
Fri May 19, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: What would you do if ETF was to expensive
Replies: 15
Views: 1257

Re: What would you do if ETF was to expensive

I am aware it is expensive, but transfer money once a year, not every month. I use saving account in bank instead of bonds, but I am thinking to buy iShares J.P. Morgan $ EM Bond UCITS ETF USD Acc, you can buy distribution ETF, but I prefer accumulation, because I do not pay dividend tax in may coun...
by imperia
Thu May 18, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do if ETF was to expensive
Replies: 15
Views: 1257

Re: What would you do if ETF was to expensive

With Interactive Brokers you can buy irish domicile ETF.
You also can buy accumulation ETF that reinvest dividents,so you do not need to pay dividend tax.
by imperia
Thu May 18, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do if ETF was to expensive
Replies: 15
Views: 1257

Re: What would you do if ETF was to expensive

Why you do not use Interactive Brockers?
by imperia
Thu May 11, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Should I simplify my portfolio even further according to Buffett's recommendations?
Replies: 27
Views: 2380

Re: Should I simplify my portfolio even further according to Buffett's recommendations?

Have you red anything about EU investing?
Are you aware of dividend tax, estate tax if you hold US domicile ETF.

For EU investors ireland domicile ETF like VUSD or CSPX are much better.
by imperia
Wed May 10, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 5
Views: 927

Re: The problem of choosing the best MSCI World ETF

Amundi ETF is new, too small and TER 0.18% is not big advantage.

Choose IWDA or XDWD.
by imperia
Sun May 07, 2017 6:03 am
Forum: Investing - Help with Personal Investments
Topic: [European investor] CSPX or IWDA?
Replies: 6
Views: 566

Re: [European investor] CSPX or IWDA?

In last 40years US small cap value has outpreform sp500, so why you do not invest all money in US small cap value? We do not know what will be in next 40 years, but IWDA cover develope markets(europe,japan,australia,north america), while sp500cover only USA. In next 40years we will see which choice ...
by imperia
Mon May 01, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Germany domiciled accumulating ETFs?
Replies: 1
Views: 224

Re: Taxes on Germany domiciled accumulating ETFs?

In Germany you must pay dividend tax, but you can buy another ETF that tracks dax index.

https://www.justetf.com/en/etf-profile. ... 0274211480

TER is 0.09% and ETF is Luxemburg domicile so you do not pay dividend tax, and is cheaper than ishares.
by imperia
Fri Apr 21, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Euro government bond ETFs vs cash, accumulating REIT ETFs?
Replies: 15
Views: 1370

Re: Euro government bond ETFs vs cash, accumulating REIT ETFs?

IWDA is listed as EUNL in Germany(Xetra), and it is not bond ETF.
by imperia
Fri Apr 21, 2017 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Euro government bond ETFs vs cash, accumulating REIT ETFs?
Replies: 15
Views: 1370

Re: Euro government bond ETFs vs cash, accumulating REIT ETFs?

db x-trackers FTSE EPRA/NAREIT Developed Europe Real Estate UCITS ETF DR - 1C (D5BK)-ACC
Amundi Index FTSE EPRA NAREIT Global - UCITS ETF DR (EPRA)-ACC
by imperia
Tue Apr 11, 2017 2:11 am
Forum: Investing - Help with Personal Investments
Topic: NON-US (Ireland) ETFs - Simplified Ultimate Buy and Hold Porfolio
Replies: 71
Views: 13085

Re: NON-US (Ireland) ETFs - Simplified Ultimate Buy and Hold Porfolio

It seems fine for all Merrimans fans. The only problem can be few ETF with small size and liquidity, but for EU members there is no better option. When I start reading about investing, Merriman was one of the first advisors that I found, and I was impressed with his strategy. After that I started to...
by imperia
Fri Apr 07, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Investment plan for a 25 y/o from the Netherlands
Replies: 7
Views: 570

Re: Investment plan for a 25 y/o from the Netherlands

You also can check other topics about investing from Netherlands on this forum, and try make contact with forum members from Netherland and ask them about their experience.

Good luck!
by imperia
Thu Apr 06, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investment plan for a 25 y/o from the Netherlands
Replies: 7
Views: 570

Re: Investment plan for a 25 y/o from the Netherlands

It is not EUR etf, asset class is only important. If etf holds 100% US stocks, that is 100% USD etf. CSPX tracks sp500 index, so if you invest money in CSPX you are exposed to USD, not EUR. Good thing is that you can buy this ETF for EUR, USD, GBP, CHF. On justetf check etf listings,.because same et...
by imperia
Thu Apr 06, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investment plan for a 25 y/o from the Netherlands
Replies: 7
Views: 570

Re: Investment plan for a 25 y/o from the Netherlands

VWRD from Vanguard?
I suggest you to find Ireland domicile etf, accumulatuon if possible.
Calculate what is best for you:
free transaction, or no dividend tax.

Is there another accumulation etf that tracks whole world and is transaction free for you?

Check http://www.justetf.com and try to find it.
by imperia
Thu Apr 06, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investment plan for a 25 y/o from the Netherlands
Replies: 7
Views: 570

Re: Investment plan for a 25 y/o from the Netherlands

Why you do not use Ireland domicile accumulation ETF?

Check IWDA, and CSPX
by imperia
Wed Mar 29, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Am i a fool?european needs guidance
Replies: 3
Views: 567

Re: Am i a fool?european needs guidance

You have 8 etf-s, maybe you can reduce your portfolio to 4 ETF, but that is your choice. For European is populra this portfolio: 1. iShares Core MSCI World UCITS ETF USD Acc (TER:0,20%), ( IWDA) 2. iShares Core MSCI EM IMI UCITS ETF USD Acc (TER:0,25%), (EIMI) Those are accumulations ETF and Ireland...
by imperia
Wed Mar 29, 2017 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Am i a fool?european needs guidance
Replies: 3
Views: 567

Re: Am i a fool?european needs guidance

You are not a fool, you are just lazy.

Use google and you can find ireland domicile ETF you are looking for.

iShares Core MSCI Japan IMI UCITS ETF USD Acc (SJPA)
SPDR MSCI USA Small Cap Value Weighted UCITS ETF ACC(ZPRV)
by imperia
Fri Mar 24, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: What broker for EU investors?
Replies: 11
Views: 716

Re: What broker for EU investors?

I do not know for them but Interactive Brokers has 500.000$, I must check that with OptimaTrader
by imperia
Fri Mar 24, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: What broker for EU investors?
Replies: 11
Views: 716

Re: What broker for EU investors?

Not yet, I have been on the meeting with their man in Zagreb, thay are ok. Thay are German company cm-equity.de antdthay use Interactive Brokers platform. I will chose them because Interactive Brokers has 10$ monthly fee, and in Croatia Optimatrader has 30€ yearly fee. Price for Eurozone is 0,13%(mi...
by imperia
Fri Mar 24, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: What broker for EU investors?
Replies: 11
Views: 716

Re: What broker for EU investors?

https://www.optimtrader.com/
you have support on your language and thay use Interactive Brokers platform, or you can go directly with Interactive Brokers.

https://www.interactivebrokers.com/en/home.php

I am Croatian, and there is no better options for us :happy

Good luck
by imperia
Sun Mar 19, 2017 2:44 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

Currency in wich you buy fond is not important, because only important thing is currency of asset allocation. IWDA has 60% to USA so you to have 60% in $, and same thing is with other assets. If you hold IWDA you have exposure to all currency of develope world. For 20 years when you will sell your s...
by imperia
Fri Mar 17, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

https://www.world.tax/countries/luxembo ... system.php

I also find that DWT is 15%, but on the bottom of that link says that dividend payd fgom UCITS are exampt.
by imperia
Fri Mar 17, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

BeBH65 I have fined that Luxemburg ETF also does not have Dividend Witholding Tax.
Is that correct?
by imperia
Fri Mar 17, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

All this ETF you can buy in euros, because thay are listed in Frankfurth, Amsterdam,... I save in euros, and I will trade in euros:) TER of all ETF-s in Europe will go down soon, it is allready happening, compare TER today with 2014. Also compare ishares core series with other ishares etf that track...
by imperia
Fri Mar 17, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

Your country has a 15% DWT with US, thats ok, but what about Estate Tax? The main conclusion is if you are not American avoid USA domicile ETF, and use Ireland ETF, no Estate Tax, Ireland also has 15% DWT with US, and has planty of ETF(distributing and accumulating) to choose. I would sugest you to ...
by imperia
Wed Mar 15, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 5965

Re: Young EU Investor

You need to read all other topics on this forum and wiki about investing from Europe. For US domicile ETF you have 30% dividend withholding tax (DWT), and you also have USA estate tax. For EU investors is match better to use Ireland domicile ETF, because there is no dividend withholding tax, and cap...
by imperia
Sun Mar 12, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old starting to invest from Europe. [Croatia]
Replies: 4
Views: 512

Re: 24 year old starting to invest from Europe. [Croatia]

Thanks,
I have one more question.
Is this only for UK investor or it is valid for investor from other country?
by imperia
Sun Mar 12, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old starting to invest from Europe. [Croatia]
Replies: 4
Views: 512

24 year old starting to invest from Europe. [Croatia]

[Split into a new thread from: 24 year old starting to invest from Europe. --admin LadyGeek] Hi, I am new here and have read all topics about investing in non US ETF. I am Croat and I decided to invest in Irish domicile ETF: iShares Core MSCI World UCITS ETF USD Acc (IWDA) 90% iShares Core MSCI EM ...