Search found 39 matches

by rogergaret
Tue Mar 28, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Are TIPS flawed, untested products?
Replies: 12
Views: 1320

Re: Are TIPS flawed, untested products?

I tell you about my experience, is not about TIPS because I'm not an american but is about my goverment inflation protected bonds. The way they are made are the same though. Here, we have an 8% inflation last year and our IPBs yield around 5 1/2% adjusted for inflation. So, when inflation hits they ...
by rogergaret
Tue Mar 28, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 993

Re: [EM, Poland] Investing from EM, currency risk

[Does] Poland have a tax treaty with US? It does . There is a 15% tax rate on US dividends. This may be creditable against the 19% due to Poland. The US estate tax is where the potential problems lie. Poland has no US estate tax treaty . Ok. If 19% due is on dividends and not on capital gains, I ag...
by rogergaret
Tue Mar 28, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 993

Re: [EM, Poland] Investing from EM, currency risk

I'll probably choose total market VTI. Yes, you can invest in ireland funds too, but they are subject to tax withold by US as well (its called tax leakage, you can read about it here), they reinvest the rest so you dont have to pay fees. Thats ok, but real expense ratio is 0.37 (Ireland fund) vs 0....
by rogergaret
Tue Mar 28, 2017 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Expat Condo Purchase
Replies: 13
Views: 886

Re: Expat Condo Purchase

First, I have to tell that I never been in USA and I don't know the market. So my opinion is not into specifics about american real estate market. Now, there are some things that don't change because of the geography, I would recommend that you avoid buying a home in your situation. It needs a lot o...
by rogergaret
Mon Mar 27, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Are passive funds dependent on active funds?
Replies: 24
Views: 1271

Re: Are passive funds dependent on active funds?

Maybe, I don't give a damn! When I hear this things, I don't engage in much of a discussion. If people want to stay stupid no matter what, I'll reap off the benefits. That's how the world works. When people say Index fund investors are free riders or free loaders it makes me chuckle. Imagine about a...
by rogergaret
Mon Mar 27, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 993

Re: [EM, Poland] Investing from EM, currency risk

I'm a US expat so don't understand these tax implications well I thought your were European or from another non US country. Sorry, I don't know in your case what's the best for you. Hey thanks for the compliment :wink: No worries. Adamus is the OP. I am just saying I can't offer advice about asset ...
by rogergaret
Sun Mar 26, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 993

Re: [EM, Poland] Investing from EM, currency risk

I'm a US expat so don't understand these tax implications well


I thought your were European or from another non US country. Sorry, I don't know in your case what's the best for you.
by rogergaret
Sun Mar 26, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: Investing in the World - Part 2 and 3 [Financial Page blog article]
Replies: 19
Views: 1249

Re: Investing in the World - Part 2 and 3 [Financial Page blog article]

Another thing that strike me and somewhat made me feel bad because it debunk the assertion of my hero Jack Bogle about only invest in the S&P 500 and local bonds. Look at the French, during the time period of this study, if they just stayed investing with their stock and bond index they would ha...
by rogergaret
Sun Mar 26, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Investing in the World - Part 2 and 3 [Financial Page blog article]
Replies: 19
Views: 1249

Re: Investing in the World - Part 2 and 3 [Financial Page blog article]

I just wanted to thank you siamond for an outstanding job. As they say, the only free lunch in investing is diversification. My home country is "Non existant Market" on the stock part and Emerging Market on Gov. Bond part. So when I approach investing I look for a lot of diversification. I...
by rogergaret
Sun Mar 26, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: [EM, Poland] Investing from EM, currency risk
Replies: 19
Views: 993

Re: [EM, Poland] Investing from EM, currency risk

If you finally choose to invest in the S&P 500 why voo? If is best for you to use accumulating etfs I will choose cspx the expense ratio is 0.07 but you can legally avoid taxes because is an accumulating one
by rogergaret
Mon Mar 20, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Trouble with Macroeconomics by Paul Romer
Replies: 6
Views: 665

Re: Trouble with Macroeconomics by Paul Romer

nisiprius, thank you for your response. You're right, without any intention I broke one of the rules of the forum. So if any administrator think it must be blocked, fine with me. Let me clarify, I don't take any economic prediction by any economist or person to make an investment. In my short experi...
by rogergaret
Mon Mar 20, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: Trouble with Macroeconomics by Paul Romer
Replies: 6
Views: 665

Re: Trouble with Macroeconomics by Paul Romer

Bogleheads is a good resource for personal investing and retirement planning. I'm not sure it is a great place to be asking opinions about macroneconomic models, just like I wouldn't ask here about martial arts training or knitting patterns. Romer's paper generated a substantial amount of discussio...
by rogergaret
Mon Mar 20, 2017 12:59 am
Forum: Investing - Theory, News & General
Topic: Trouble with Macroeconomics by Paul Romer
Replies: 6
Views: 665

Trouble with Macroeconomics by Paul Romer

I'm reading this paper https://paulromer.net/wp-content/uploads/2016/09/WP-Trouble.pdf by Paul Romer (Chief Economist and Vice President of the World Bank). I just wanted to share it with you and read your comments on it.

Cheers
by rogergaret
Wed Mar 15, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Irish etf currency dividends and stock liquidity. N.R.A.
Replies: 2
Views: 207

Irish etf currency dividends and stock liquidity. N.R.A.

Hi there, I'm not going to bore you with my actual stock portfolio, it's invested on 2 accumulating Irish Etf because are more tax efficient for me. My inquiry is about bonds etfs, I haven't bought anyone yet. I'm considering a combination of IUAG (Ishares US Aggregate Bond) and VDET (Vanguard Emerg...
by rogergaret
Sat Mar 11, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6533

Re: 28yo, New Millionaire, Advice on Wealth Management

Thanks again everyone. This feedback has been invaluable. It's great to know there's a community of people to talk to about this. I started feeling very lost with all of these wealth managers. I bought the BH book and will read it first thing, followed by the other books mentioned. I plan on using ...
by rogergaret
Tue Mar 07, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6430

Re: Did you buy SNAP?

Was Amazon a rip off for Total Stock Market Index investors? They had an IPO in 1997 while losing money and continued to do so for years. I believe that someone who bought $1000 of Amazon at IPO would now have shares worth $557,950. I will not bother arguing that Snap can not survive, since compani...
by rogergaret
Tue Mar 07, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 4777

Re: Are Fiat Cars Junk?

I heard that Heaven is where the police are British, the lovers French, the mechanics German, the chefs Italian, and it is all organized by the Swiss. Hell is where the police are German, the lovers Swiss, the mechanics French, the chefs British, and it is all organized by the Italians. (There is n...
by rogergaret
Mon Mar 06, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6430

Re: Did you buy SNAP?

No, I did not. IMO this is a rip off for Total Stock Market Index investors. I mean this company doesn't make any money, it actually loses it. On the prospectus it declares that the company lose money and maybe will never make any of it. And on top of that, as a shareholder you don't have voting rig...
by rogergaret
Wed Feb 22, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advise for newbie [Uruguay]
Replies: 4
Views: 237

Re: Portfolio Advise for newbie [Uruguay]

Hello Juan, welcome to the forum. lazylarry nailed it. In my opinion, you should use the cash to pay your mortgage earlier. According to Jack Bogle, the S&P 500 will give you 6% during the next decade before taxes and, of course, this is not guaranteed. On the other hand if you put your money to...
by rogergaret
Tue Feb 07, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 270
Views: 41427

Re: Any books really change your outlook on life?

"The future of spacetime" Stephen Hawking, Kip Thorne, Igor Novikov, Timothy Ferris, Alan Lightman "Capital" Karl Marx "Hunger" Martin Caparros "Fictions", "The book of sand", "Aleph" J.L. Borges "The wealth of nations" Adam Smith...
by rogergaret
Sat Jan 28, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers
Replies: 11
Views: 749

Re: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers

I recently broke two rules: 1. Stay the course (went from 60/40 to 40/60). 2. KISS (went from one bond ETF (SUAG) to three (VDTY, VDCP, & IDTP). I like 50% VDTY + 50% VCDP better than 100% SUAG. But as a stand alone bond ETF I'd still use SUAG. If that's where you're stuck you have a MINOR issu...
by rogergaret
Sat Jan 28, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 495
Views: 119226

Re: Share your net worth progression

36 years old 2017 100k (Home, no mortgage) 750k (Farm, no mortgage) + Cattle 50k Brokers account. Just starting investing in stock and bonds. Aprox. 1.2M Total P.S: In 2015 the same farm would have been apraise at 1M :wink: Don't ever let someone tell you that real estate is a safe investment. :) :b...
by rogergaret
Thu Jan 26, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers
Replies: 11
Views: 749

Re: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers

If you are NOT a citizen or resident (legal or illegal) of the USA then you should use IB. Schwab offers a limited amount of Ireland domiciled ACTIVELY MANAGED mutual funds (no ETFs) that are expensive. Use VRWD for equities. Use VDTY (ER = 0.12%) or SUAG (ER = 0.25%) for bonds are you're DONE. gal...
by rogergaret
Thu Jan 26, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers
Replies: 11
Views: 749

Re: All Input Appreciated! NRAs and Irleand-domiciled ETF-Portfolios at Interactive Brokers

If you are NOT a citizen or resident (legal or illegal) of the USA then you should use IB. Schwab offers a limited amount of Ireland domiciled ACTIVELY MANAGED mutual funds (no ETFs) that are expensive. Use VRWD for equities. Use VDTY (ER = 0.12%) or SUAG (ER = 0.25%) for bonds are you're DONE. Hel...
by rogergaret
Mon Jan 16, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock question
Replies: 14
Views: 1549

Re: Vanguard Total World Stock question

... That's something I can decide yet. It seems like the Index "buy high and sell low" to replicate the Total World Asset Allocation . But on the other hand If you choose let's say 50/50 US/Int'l as a fixed equity balance and then the US drops it's value by 10% and never recover to the pr...
by rogergaret
Mon Jan 16, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock question
Replies: 14
Views: 1549

Re: Vanguard Total World Stock question

Note that Total World does not hold a fixed allocation to US and Int'l. The allocation will change over time. When the US is doing better, Total World will have more US, and the opposite when Int'l is doing better. This white paper from Vanguard has some interesting data on the US/Int'l split: http...
by rogergaret
Mon Jan 16, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2516

Re: Non-resident alien in Uruguay, which broker to choose for US investment?

Hi rogergaret, you may have explored this already -- as an Uruguayan citizen, do you have decent access to an international portfolio via Uruguayan Pension Funds? I have not decent access to International Portfolio via my pension fund. That's why I want diversification. Here the financial market is...
by rogergaret
Sat Jan 14, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Best country in EU where to get residence for investment tax + best ETFs
Replies: 2
Views: 307

Re: Best country in EU where to get residence for investment tax + best ETFs

It depends. You have to look into tax treaties between your country of residence and the country you want to move.
And of course, your net worth.
Malta, Andorra, Monaco, Lichtenstein.
Good places to look into.

Good Luck
by rogergaret
Thu Jan 12, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3646

Re: Where Can a Self-Supporting Retiree Move?

I would choose Malta.

Low taxes,
Low cost of living,
Beutiful country
English is one of the official languages,
Flight connections with almost every european country
Mediterranean climate

Good luck and Bon Voyage :beer
by rogergaret
Thu Jan 12, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2516

Re: Non-resident alien in Uruguay, which broker to choose for US investment?

Thank you all for your help.
It's very valuable.
I just change the title, I hope it helps other people too.
I've decided to use IB. It's better for the long run.
Cheers
by rogergaret
Wed Jan 11, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2516

Re: Which broker should I choose?

Thank you for your input. The thing is at this stage is like they cancel to each other. IB for Irish Etfs and tdameritrade for US Etfs. I can't park any new money on IB, right now because I need the liquidity of the emergengy fund and the other one with no transaction cost or international transfers...
by rogergaret
Wed Jan 11, 2017 4:38 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2516

Re: Which broker should I choose?

I live in Uruguay so I'm a Non Resident Alien
by rogergaret
Wed Jan 11, 2017 3:30 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2516

Non-resident alien in Uruguay, which broker to choose for US investment?

Hello. I'm just starting my life as an investor so, please, bear my stupidity I have 50k That I will not be using in the short term. Background: 36 years old I have no personal debt. No credit card. No car payments and if I can I pay my taxes one year ahead to enhanced some good discounts when avail...
by rogergaret
Tue Jan 10, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Need some help Allocating my funds. Non Resident Alien.
Replies: 2
Views: 269

Need some help Allocating my funds. Non Resident Alien.

Hello, I'm a 36 year old man, with no children or wife (yet). I've never invested before in the stock/bonds market but I'm planning to enter the market very soon. I've been reading a lot on Asset Allocation but It's been hard for me to chose an apropiate one for the stocks parts of my portfolio. In ...
by rogergaret
Fri Dec 30, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle [en español]
Replies: 6
Views: 516

Re: John Bogle [en español]

Muchas gracias por el enlace al articulo. Estoy aprendiendo español, y el articulo es muy util para mi. Me gusta leer materia no ficción, y me gusta leer materia en un sujeto que entiendo y es interesante a mi. Thank you very much for the link to the article. I'm learning Spanish, and the article i...
by rogergaret
Fri Dec 30, 2016 10:22 pm
Forum: Investing - Theory, News & General
Topic: John Bogle [en español]
Replies: 6
Views: 516

Re: John Bogle [en español]

Thank you Ladygeek

I have to practice more on posting :D
by rogergaret
Fri Dec 30, 2016 10:08 pm
Forum: Investing - Theory, News & General
Topic: John Bogle [en español]
Replies: 6
Views: 516

John Bogle [en español]

Hello This is my first post here after reading a lot on this forum. Thank you all for your honest advice and for beeing such a nice people that let me learn on investing. Here is an interview of John Bogle on a newspaper from Argentina. It's in Spanish but maybe some of you can read it anyways. http...

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