Search found 71 matches

by imperia
Mon Jan 15, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Please help me pick an ETF/portfiolo (Belgium).
Replies: 7
Views: 421

Re: Please help me pick an ETF/portfiolo (Belgium).

ishares MSCI World ETF IWDA, and ishared MSCI Emerging Market ETF EIMI
Many people have
90% IWDA
10% EIMI
by imperia
Sun Dec 31, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Investing in Portugal - Lost
Replies: 14
Views: 1594

Re: Investing in Portugal - Lost

Hi, I suggest you to read this also https://www.bogleheads.org/wiki/Nonresident_alien_with_no_US_tax_treaty_%26_Irish_ETFs Can you tell us something about dividend tax in your country? Do you need to pay dividend tax in Portugal? Does Portugal has estate tax treaty with USA? I will give you a link a...
by imperia
Sat Dec 30, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ripple and Ethereum: Which exchange do you use and do you recommend it?
Replies: 14
Views: 1885

Re: Ripple and Ethereum: Which exchange do you use and do you recommend it?

I suggest kraken.com
On Kraken you can buy ETH, XRP,BTC,DASH LTC,ZCASH and some others coins for USD, EUR, ...
Deposit is free, and fee is 0.16/0.26% for small amount,and no minimum fee.
by imperia
Thu Dec 21, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: 32 yo - Investment Plan/Retirement Portfolio - CZECH & EUROPE
Replies: 5
Views: 526

Re: 32 yo - Investment Plan/Retirement Portfolio - CZECH & EUROPE

All options are good and it is difficult to predict what is better.
Just pick one option invest and "Stay the Course"
by imperia
Mon Dec 18, 2017 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Can non US citizen create corporation in US to invest in vanguard
Replies: 10
Views: 1147

Re: Can non US citizen create corporation in US to invest in vanguard

You also need to check does Indonesia has treaty for estate tax(I did not find that treaty on the internet) If you have more than 60.000$ invested in US, if you die US will charge estate tax(about 40%), and your family will recive just 60% of your holdings. Another thing is dividend tax in Indonesia...
by imperia
Sun Dec 17, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Please rate my ETF-Portfolio, thanks! [Germany]
Replies: 15
Views: 1099

Re: Please rate my ETF-Portfolio, thanks! [Germany]

I noticed that you use sinthetic ETF for MSCI World and Emerging Markets. Most people avoid sinthetic ETF, and we use physical replication ETF. For MSCI World and Emerging Markets you can find same ETF with physical replication with same TER, or even lower. I also noticed that is your MSCI World ETF...
by imperia
Sat Dec 16, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Please rate my ETF-Portfolio, thanks! [Germany]
Replies: 15
Views: 1099

Re: Please rate my ETF-Portfolio, thanks! [Germany]

I choose accumulation ETF that reinvest dividend because I can avoid dividend tax in my country.

I use IWDA, EIMI, XDAX
by imperia
Sat Dec 16, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Please rate my ETF-Portfolio, thanks! [Germany]
Replies: 15
Views: 1099

Re: Please rate my ETF-Portfolio, thanks! [Germany]

People usually put 10-15% in Emerging Markets, but 20% is also acceptable. More than 20% is too risky. For 20+ years we will see the result. I want to say that final decision is your, others can give you advice, but it is your money and nobady do nit know the future. I predict for example that your ...
by imperia
Sat Dec 16, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Please rate my ETF-Portfolio, thanks! [Germany]
Replies: 15
Views: 1099

Re: Please rate my ETF-Portfolio, thanks! [Germany]

Nice portfolio.
I have
65 %MSCI World
25% DAX
10% Emerging Markets

You have invested in Europe and Emerging Markets more than others, but I think you would be fine with your choice.
by imperia
Mon Dec 11, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Can non US citizen create corporation in US to invest in vanguard
Replies: 10
Views: 1147

Re: Can non US citizen create corporation in US to invest in vanguard

Does Indonesia has tax treaty with US? Does Indonesia has dividend tax? For most NRA Ireland domicile ETF are the best choice. You can use Vanguard or iShares ETF. Ireland has tax treaty with USA so you lose just 15% of divident(instead of 30%). Ireland does not apply dividend tax for non residents ...
by imperia
Sun Dec 10, 2017 3:31 am
Forum: Investing - Help with Personal Investments
Topic: Non-US domiciled funds that trade in USD
Replies: 8
Views: 725

Re: Non-US domiciled funds that trade in USD

I have not time to read books, but I spend lot time on this forum, and I have red all about investing in ETF from Europe. On this forum all answers are already writen,just find them. Your portfolio is much better now than before. When I start reading about investing I was impresed with slice and dic...
by imperia
Sat Dec 09, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Non-US domiciled funds that trade in USD
Replies: 8
Views: 725

Re: Non-US domiciled funds that trade in USD

Hello, Many provider of non-US domiciled ETF have USD versions of their funds. You can look at the websties of the providers, or also on sites like https://www.justetf.com/uk/ or morningstar. Please note that sometimes the ISIN code or the ticker are different, altought the name of the fund is the ...
by imperia
Mon Dec 04, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for europeans?
Replies: 13
Views: 1121

Re: 3 fund portfolio for europeans?

IWDA and EIMI are accumulation ETF(reinvest dividend), thats way I prefere them instead of VWRL. 90%IWDA 10%EIMI Thatis standard, maybe you can go 85%, and 15%. All this ETF you can buy in USD, EUR, GBP, CHF in Amsterdam, Milano, Frankfurth, Zurich, London stocks exchanges. Currency depends of stock...
by imperia
Sun Dec 03, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for europeans?
Replies: 13
Views: 1121

Re: 3 fund portfolio for europeans?

3 fund portfolio for Europe is something like this: Stocks: iShares Core MSCI World UCITS ETF (IWDA) 90% iShares Core MSCI Emerging Markets IMI UCITS ETF (EIMI) 10% Bonds: iShares Core Euro Government Bond UCITS ETF (SEGA) If you are from Netherland read this: https://www.bogleheads.org/wiki/Investi...
by imperia
Sun Nov 19, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 33
Views: 1725

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

What is your home country?
Does your country has estate tax treaty with USA?
by imperia
Thu Oct 19, 2017 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for [Italian investor]
Replies: 7
Views: 764

Re: Portfolio for [Italian investor]

The ETF are the same, so commission fees are only relevant in this case.
by imperia
Sat Sep 30, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: index funds available for romanian citizens?
Replies: 11
Views: 2750

Re: index funds available for romanian citizens?

Does Romania has tax treaty with USA? If not why you do not use Irish domicile ETF. Ireland domicile ETF pay just 15% dividend tax for holding USA stocks. You can chose accumulatian ETF(reinvest dividend) so you do not pay dividend tax in your country. For broker i sugest Interactive Broker it is op...
by imperia
Wed Sep 27, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for non US citizen with no-commision TD ETFs
Replies: 21
Views: 1433

Re: 3 fund portfolio for non US citizen with no-commision TD ETFs

Do you need to pay dividend tax in Estonia if You have accumulation Ireland domicile ETF?
by imperia
Wed Sep 27, 2017 2:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]
Replies: 18
Views: 1410

Re: Investing in ETFs MSCI World + MSCI Emerging Market [Germany]

On justetf.com you can find all etf that tracks msci world and emerging markets, and choose best one. Your Broker is disaster. It is very daring to charge 1.5% when Interactive Broker charge 0.1%(4€ minimum) for Europe, and DeGiro is also cheap. I simply do not bečlve that such broker exist in 2017,...
by imperia
Mon Sep 25, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Germany domiciled accumulating ETFs?
Replies: 5
Views: 617

Re: Taxes on Germany domiciled accumulating ETFs?

If you live in Germany you need to pay dividend tax, on accumulation ETF.
In most other country you do not pay dividend tax on accumulation ETF.

In Luxemburg there is no dividend tax, and this ETF XDAX is is accumulation(reinvest dividend), and is Luxemburg domicile.
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: 644

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 55
Views: 3528

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: 532

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: 5353

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: 735

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: 643

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: 643

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: 643

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: 1554

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: 23
Views: 2672

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: 1434

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: 1434

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: 1434

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: 2520

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: 1184

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: 702

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: 5
Views: 617

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.