Search found 90 matches

by imperia
Thu May 17, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 816

Re: [Europe] [Belgium] Investing with DEGIRO

https://www.bogleheads.org/wiki/Nonresi ... sion_table

On this page you can find list of all countrys with USA tax trity, and Estate tax treaty.
by imperia
Thu May 17, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 816

Re: [Europe] [Belgium] Investing with DEGIRO

2) About LCWD [Global Developed Market]: This fund is domiciled in Luxembourg. According to Bogleheads Wiki , a Belgian investor should favor Irish based funds, for tax reasons. Luxembourg just like Ireland has tax treaty with USA and pay 15% on USA dividend. Luxembourg does not tax dividend for no...
by imperia
Wed May 16, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 816

Re: [Europe] [Belgium] Investing with DEGIRO

For small cap there is new etf from iShares with TER 0.35% iShares MSCI World Small Cap UCITS ETF(WSML) WDSC has TER 0.45% There is also new MSCI World ETF Lyxor Core MSCI World (DR) UCITS ETF (LCWD) TER:0.12%, but it is new ETF from 28 February 2018, and fond size is just 34m, but I expect growth i...
by imperia
Mon May 14, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Young investor portfolio advice [Europe, Croatia]
Replies: 3
Views: 401

Re: Young investor portfolio advice [Europe, Croatia]

I am also Croat :D Ireland and Luxembourg does not tax etf, and tax rate with US is 15% for both country. iShares etfs have biggest trading volume and AUM and for that IWDA + EIMI is common combination. Reits are included in this etf, and if you want more reit that is your choice. I will send you pr...
by imperia
Sat May 05, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 55
Views: 3173

Re: Accumulating ETF - Additional Units or Increase in Price

I use IB Broker, US company, but I also registred in many countries.
What is your resident country?
by imperia
Sat May 05, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 55
Views: 3173

Re: Accumulating ETF - Additional Units or Increase in Price

I use accumulation etfs because if I do not receive dividend I do not pay dividend tax.
Second one is I do not need reinvest dividend my self, so I save on trading fees.
by imperia
Fri May 04, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1602

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

Your asset allocation is good just stay on course.
There is allways dilemma between DCA and lump sum, but it is up to you.
by imperia
Fri May 04, 2018 1:50 am
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1602

Re: New to index funds

Hi, You need to put your place of residents in your title, that you can attract European members. Have you read this: https://www.bogleheads.org/wiki/EU_investing#Example_of_EU_domiciled_ETF_providers Check does Jersy taxes dividend in accumulation ETFs. If not you can use accumulation ETFs and avoi...
by imperia
Tue Apr 03, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1275

Re: How to invest 850,000€ [Germany]

I use bank saving account instead of bond. I also plan to invest some part in emerging markets bond hedged to euro(SBEME ETF). I have suggested you 40% in fixed income because you are allready millioner(no reason to take to much risk), and stock market is almost all time high, and we have growth for...
by imperia
Tue Apr 03, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1275

Re: How to invest 850,000€

Do not be complicate, for stock pick just FTSE All World ETF or MSCI World+Emerging Markets. You can also add MSCI Europe. Invest 60% in stocks and 40% in bonds or bank saving account. Stock 60% 70% FTSE All World(msci world+EM) 30% MSCI Europe On your place I woud buy 5 kilograms gold for additiona...
by imperia
Wed Mar 28, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: How Do I Find International Stock Symbols?
Replies: 2
Views: 286

Re: How Do I Find International Stock Symbols?

Just write in google 'name of the company and "symbol"
Example
"Nestle stock symbol"

Or "name of the company morningstar'
Or "name of the company bloomberg"


Good luck!
by imperia
Wed Mar 21, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1760

Re: Retirement investing for EU citizen [Slovenia]

Where did you get those TERs? I see 0.45% and 0.49%: https://www.justetf.com/de-en/etf-profile.html?isin=LU0274208692 https://www.justetf.com/de-en/etf-profile.html?isin=LU0292107645 Thats are old ETFs with hihg TER, and this are new: https://www.justetf.com/de-en/etf-profile.html?isin=IE00BJ0KDQ92...
by imperia
Wed Mar 21, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investing for EU citizen [Slovenia]
Replies: 23
Views: 1760

Re: Retirement investing for EU citizen [Slovenia]

In the past everybody recomended ishares etf (IWDA and EIMI), like best option for simple European portfolio. 90%IWDA TER 0.20% 10%EIMI. TER 0.25% Deutsche Bank has new ETF that tracks same indexs like iShares etfs, but with lower TER. Xtrackers MSCI World Index UCITS ETF 1C, TER 0.19% Xtrackers MSC...
by imperia
Thu Mar 15, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed income (european investor)
Replies: 3
Views: 253

Re: Fixed income (european investor)

Have you checked iShares ETF?
iSharesMSCI world has TER 0.2%
iShers EM has TER 0.25%
by imperia
Tue Feb 13, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Planning portfolio - European investor
Replies: 12
Views: 1016

Re: Planning portfolio - European investor

[/quote] Because small cap and value ETF's will perform better on the long term. However, when I want to build this portfolio the annual fees are 1,15%, which is very high... [/quote] If you are so sure in that than invest all in small cap, and value etf. You can use three fond portfolio: 1.IWDA 2.E...
by imperia
Thu Jan 25, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Position transfer gone wrong with Saxo and IB
Replies: 3
Views: 302

Re: [EU] Position transfer gone wrong with Saxo and IB

Thats are same ETFs, stocks exchange or currency is not important.
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: 634

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: 1842

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: 2149

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: 10
Views: 1260

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: 39
Views: 3640

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: 1321

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: 1321

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: 1321

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: 1321

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: 39
Views: 3640

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: 934

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: 934

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: 1657

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: 1657

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: 48
Views: 2989

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: 851

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: 3212

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: 1685

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: 1599

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: 789

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: 765

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: 4051

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: 4051

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: 4051

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: 4051

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: 4051

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: 4051

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: 4051

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.