Search found 1219 matches

by BeBH65
Sun Oct 14, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Investing in ETF (different currencies)
Replies: 9
Views: 507

Re: Investing in ETF (different currencies)

On the OP, I would assume that the broker keeps two positions if you buy the "same" fund in 2 currencies. you might have different tax treatment depending upon the currency the ETF is labelled in. Suppose you buy an ETF labelled in USD, the assets go up 10% as measured in pound sterlin, but if the U...
by BeBH65
Sun Oct 14, 2018 2:58 am
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 41
Views: 5762

Re: $50,000: Should I buy now or wait for the market to drop further?

Standaard answer for investing new money: invest the new money according to the Asset Allocation of your investment plan. Commen advise for Managing_a_windfall is to set the money aside for one year on a fdic insured high yield savings account. It looks like you are due for a revision of the plan to...
by BeBH65
Sun Oct 14, 2018 2:46 am
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1498

Re: New 401k confusion with market

Have a look at our wiki.
Starting with /Bogleheads investing start-up kit. Read some of the Books. Create the plan.
by BeBH65
Sat Oct 13, 2018 2:58 am
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 4
Views: 500

Re: The problem of choosing the best MSCI World ETF

The difference in US dividend withholding tax between Lux en Irish funds is real. In another thread on this side it was calculated that the impact of the tax would be 0,60% and 0,30% respectively. Other elements seem less decisive but that might be important to you are: - tracking error - note Amund...
by BeBH65
Fri Oct 12, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Crash Plan
Replies: 7
Views: 969

Re: Crash Plan

Have a look at the Rebalancing page in our wiki; the 5/25 rule seems to be popular
by BeBH65
Fri Oct 12, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7375
Views: 1547513

Re: U.S. stocks in freefall

On "average" the stockmarkets have a correction (-10%) every year, go -20% every 2 years, and once in a while go-30%,-40%,-50% or more and might not have recovered after several years. I believe that you are overstating that. I mined the S&P history from the early 1950s a few years ago, and the mar...
by BeBH65
Thu Oct 11, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7375
Views: 1547513

Re: U.S. stocks in freefall

On "average" the stockmarkets have a correction (-10%) every year, go -20% every 2 years, and once in a while go-30%,-40%,-50% or more and might not have recovered after several years. I believe that you are overstating that. I mined the S&P history from the early 1950s a few years ago, and the mar...
by BeBH65
Thu Oct 11, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7375
Views: 1547513

Re: U.S. stocks in freefall

retiringwhen "Can you sleep at night? Can you hold on? If the answer is no, sell enough equities so you will stay IN the market even on dark days...... As Jack said last week, review you AA and ensure you can sleep at night, if you can't, maybe reduce your equities by 10%, but remember the worst th...
by BeBH65
Thu Oct 11, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Historical data for FTSE World Government Bond Index - Developed Markets
Replies: 1
Views: 136

Re: Historical data for FTSE World Government Bond Index - Developed Markets

Does it need to FTSE? Could an MSCI (or other indexproviders) global bond data set serve you?
by BeBH65
Thu Oct 11, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 283
Views: 242881

Re: A time to EVALUATE your jitters

I recently invested in a Vanguard U.S. Equity Index Fund - Accumulation, it's lost almost 6% since mid September! Should I sell now and look to reinvest when the market picks back up? There are no exit charges. On "average", the stockmarkets have a correction (-10%) every year, loose -15% every 3 y...
by BeBH65
Thu Oct 11, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (30 something) from NL
Replies: 43
Views: 1050

Re: Portfolio advise (30 something) from NL

Hello Sinsji, Simplicity is one of the principles of Bogleheads investing (see wiki). You are starting your investment carreer with a small initial amoutt and minimal monthly contributions. One fund for your equity and one investment for the stable portion is sufficient for now. - For equity take IW...
by BeBH65
Thu Oct 11, 2018 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Which market should I go for, to profit most from the correction?
Replies: 35
Views: 3019

Re: Which market should I go for, to profit most from the correction?

What is your asset allocation? 60/40 but since stocks fell, it got slightly out of balance. So I'm buying 100K worth this morning. I mean it's the same companies as yesterday, but they are 4% cheaper now. So why not go for it? :sharebeer Buy what your investment plan tells you to buy to bring your ...
by BeBH65
Wed Oct 10, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Emotions when switching from being long time stock picker over to a more Boglehead approach
Replies: 12
Views: 1026

Re: Emotions when switching from being long time stock picker over to a more Boglehead approach

You are making the transition. Are you already at this target state? You make it work by making a plan, implementing and then going on with your life doing something else. In your plan you could have very few funds and your investing would be totally mechanic Maybe you can benefit from posting your ...
by BeBH65
Wed Oct 10, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (30 something) from NL
Replies: 43
Views: 1050

Re: Bond ETF from Europe (the Netherlands)?

The Spain case, Wasn't this within some kind of "wrapper" account (maybe a "retirement" account or an "insurance" account) ? the movelment in and out of that "wrapper" would be monitored and taxed (similar to an IRA in the US?) If I remember correctly there was a yearly cost to such account that was...
by BeBH65
Tue Oct 09, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (30 something) from NL
Replies: 43
Views: 1050

Re: Bond ETF from Europe (the Netherlands)?

Thanks for the ideas. Vanguard has more to offer than I could find initially, still their ETFs seem to be distributing. Indeed I don't really feel qualified to the this re balancing myself. Still the suggested MSCI World ETF doesn't cover several European countries (Sweden, Finland, Spain, Denmark,...
by BeBH65
Mon Oct 08, 2018 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3673

Re: Income (US vs Europe)

By European standards our income taxation is low For Comparison: In Belgium the first 7,5K Euro are not taxed and the taxation of the remainder was recently lowered to the following: 25% for € 0 to €12 990 40% for € 12 990,01 to € 22 290 45% for € 22 290,01 to € 39 660 50% for More then 39 660,01 e...
by BeBH65
Sun Oct 07, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3673

Re: Income (US vs Europe)

By European standards our income taxation is low For Comparison: In Belgium the first 7,5K Euro are not taxed and the taxation of the remainder was recently lowered to the following: 25% for € 0 to €12 990 40% for € 12 990,01 to € 22 290 45% for € 22 290,01 to € 39 660 50% for More then 39 660,01 e...
by BeBH65
Thu Sep 27, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Registered countries of an ETF
Replies: 6
Views: 369

Re: [EU] Registered countries of an ETF

ETFs registered in your country, most likely will provide the specific reporting that your country requires. ETFs not registred your country might not provide the reporting that you need for your country; you might have to jump through many hoops to satisfy your countries regulations, e.g. on taxati...
by BeBH65
Tue Sep 18, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2610

Re: How can I buy ALIBABA and TENCENT stock?

Before you buy BABA make sure you know exactly what you are buying as you are not buying a direct share in ALIBABA. Do a search on Google and on this forum.
by BeBH65
Tue Sep 11, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 11
Views: 2611

Re: The problem of choosing the best MSCI World ETF

Many times tickers are reused for different exchanges with sometimes same and sometimes different trading currency.

IWDA on the Amsterdam exchange is traded in Euro.

Choose the exchange that is easiest and cheapest for you, while ensuring there is enough volume.
by BeBH65
Mon Sep 10, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help to optimize my ETF portfolio [Portugal, Austria]
Replies: 5
Views: 320

Re: Help to optimize my ETF portfolio [Portugal, Austria]

Gold: do a search for other threads on this site. Equity: consider an all-world fund (IWDA, VWRL,...) that way you will not miss out on a raising region/style/sector like you did the last 12 months. Reit: look at the sector split of your funds, several of the funds that you already own contain real-...
by BeBH65
Sun Sep 09, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help to optimize my ETF portfolio [Portugal, Austria]
Replies: 5
Views: 320

Re: Help to optimize my ETF portfolio [Portugal, Austria]

Have a look at the eu_investing page in our wiki, it explains about base_currency and currency risk. Related to your current portfolio: what is the reasoning for the overallocation of some regio's and the underweighting/omitting of others? . Please consider using a "all-world" fund, that way you are...
by BeBH65
Sun Sep 02, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Mapping US funds to Ireland domiciled funds and Transition
Replies: 19
Views: 1354

Re: Mapping US funds to Ireland domiciled funds and Transition

Hi BeBH thanks. Yes, I pay taxes in SG and work here. I guess you are domiciled in Signapore I currently do AGE+10% in Gov securities such as Bonds (2y materity for now) and T-bills. I know that's rather high for someone who's in the mid 30s, but I'm conservative and wanted to be cautious with my i...
by BeBH65
Sun Sep 02, 2018 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Mapping US funds to Ireland domiciled funds and Transition
Replies: 19
Views: 1354

Re: Mapping US funds to Ireland domiciled funds and Transition

I'm a resident of Singapore but domicile and citizen of Sweden. Do you pay Taxes in Signapore or on Sweden? On this forum we state that diversification is one of principles of investing. We do not try to time the market based on recent performance of ne or the other region. The US market is about 5...
by BeBH65
Fri Aug 31, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Mapping US funds to Ireland domiciled funds and Transition
Replies: 19
Views: 1354

Re: Mapping US funds to Ireland domiciled funds and Transition

Your current portfolio seems to be very US focussed. This is not the usual choice for someone from outside of the US. Why did you favour the US? What is your country of Domicile?
by BeBH65
Thu Aug 30, 2018 5:02 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11555

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

"I have no debt...and my current annual living expenses are $150K/year" I'm not sure I understand your point here. Certainly this statement could be true. I disagree slightly — I know I don’t understand the point. If the implication is that someone with no debt should have expenses less than $150K/...
by BeBH65
Wed Aug 29, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: EU investment portfolio optimization [SPAIN]
Replies: 16
Views: 928

Re: EU investment portfolio optimization [SPAIN]

Pretty amazing that you can rebalance as a tax-free event (with index funds). Can't do that in the US. I remember seeing this inside wrappers like a kind of retirement accounts as well as inside life insurance contracts. (*) In each time the "tax-settlement" is done when the money is "unwrapped" Al...
by BeBH65
Sun Aug 26, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Replicating VEU with Europe registered ETFs
Replies: 7
Views: 345

Re: Replicating VEU with Europe registered ETFs

dctanner wrote:
Sat Aug 25, 2018 4:13 pm
However when I compare it with VEU with the historical performance chart, the basket unperforms VEU. Maybe M* isn't auto reinvesting dividends? Is there any way to turn this on (save having to enter it manually)?
What if you compare the tables of the portfolio to those of the funds.
by BeBH65
Sun Aug 26, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Replicating VEU with Europe registered ETFs
Replies: 7
Views: 345

Re: Replicating VEU with Europe registered ETFs

Morningstar sometimes has some quirks that one needs to pay attention to. Note that "each" country has his own Morningstar ans they are not all the same. What I describe below is valid for "my" version; "yours" might be different. 1- From the fund page one can get a graph by clicking on the graph. T...
by BeBH65
Sat Aug 25, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Replicating VEU with Europe registered ETFs
Replies: 7
Views: 345

Re: Replicating VEU with Europe registered ETFs

Many european in investors do not split their investments in us-equity and ex-us investments. As European there are multiple Etf's index funds that contain equities across the whole developed markets (and sometimes also including the emerging markets). Examples are: - iShares core MSCI world UCITS E...
by BeBH65
Fri Aug 24, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 31
Views: 2755

Re: Home Country Bias

The financial page blog has a three part series by siamond on investing-in-the-world. It compares 100% domestic, 100% world and 75world/25%domestic taking into account exchange rates and respective inflation.
by BeBH65
Tue Aug 21, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 546

Re: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).

There have been a few threads on Switzerland before.
Maybe you can recreate a new strawman with all the info that you gathered until now.
by BeBH65
Tue Aug 21, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 11
Views: 2611

Re: The problem of choosing the best MSCI World ETF

According to MSCI, Emerging Markets should be about 10% of the world markets.
by BeBH65
Tue Aug 21, 2018 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Naive rebalancing question
Replies: 16
Views: 1361

Re: Naive rebalancing question

The main goal of rebalancing is to align your portfolio with the chosen AA.
See our wiki page on Rebalancing.

This Rebalancing might or might not lead to higher returns.
See for instance this thread.
by BeBH65
Tue Aug 21, 2018 3:51 am
Forum: Investing - Help with Personal Investments
Topic: Please look at my portfolio and give me advice [Norway]
Replies: 18
Views: 1507

Re: Please look at my portfolio and give me advice [Norway]

This data suggests that home bias is prevalent. In turn that suggests that if you don't want too much home bias, you will have to swim against the prevailing tide of sentiment in your country. In the past I had discussions on this home bias reducing risk. In that case the "risk" that the other part...
by BeBH65
Mon Aug 20, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Core portfolio for retirement in Europe - Living in Singapore
Replies: 10
Views: 1021

Re: Core portfolio for retirement in Europe - Living in Singapore

answers in blue On the langer term currency volatility is minimal compared to the stock volatility. Hence there is little need to pay for hedged equity funds. I have been breaking my head around currency hedging to be honest. There are basically 3 options in my mind: 1. Buy original funds in USD 2....
by BeBH65
Mon Aug 20, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Naive rebalancing question
Replies: 16
Views: 1361

Re: Naive rebalancing question

Hi Rob,

You have already received many good answers.

To stress two points:
- One can rebalance with new allocations as well as with withdrawals, most of the times this will be sufficient
- When rebalancing, strive to do this in tax-advantaged accounts as this will avoid capital-gains taxes.
by BeBH65
Sun Aug 19, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Core portfolio for retirement in Europe - Living in Singapore
Replies: 10
Views: 1021

Re: Core portfolio for retirement in Europe - Living in Singapore

Hello eur-usd, Welcome to the forum. We have a number of wiki pages related to investing from Non-US_domiciles . Have a look at the ones for the EU and the Netherlands. The page for the Netherlands has a note related to US-domiciled funds. They will be difficult to trade, especially augment your pos...
by BeBH65
Thu Aug 16, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: investing while living abroad
Replies: 1
Views: 161

Re: investing while living abroad

We have a wiki page that discusses different aspects of US_person_living_abroad with a focus on taxation.
There are also multiple threads on similar topics.
by BeBH65
Thu Aug 16, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: How do index funds affect stock valuations?
Replies: 16
Views: 1344

Re: How do index funds affect stock valuations?

It is my understanding that many of the fund transactions do not lead to actual transactions of the underlying stocks. The "baskets" of the sellers are transferred to the buyers. This is very explicit with Etf's. Only when there is in-balance between the amount of sales and buys will be a "primary" ...
by BeBH65
Thu Aug 16, 2018 3:18 am
Forum: Investing - Theory, News & General
Topic: Mistake done [Europe - Have you ever regretted a trade that you made?]
Replies: 13
Views: 1538

Re: Mistake done [Europe - Have you ever regretted a trade that you made?]

Hello leachim, Welcome to the forum. What is the "mistake" that you would have done? Stock markets go up and down. Movements like yesterday are not that exceptional. Yes in early trading of the day the market is more volatile as it establishes a new price based on the events that happened overnight....
by BeBH65
Thu Aug 16, 2018 2:57 am
Forum: Investing - Help with Personal Investments
Topic: Do we change our self-managed investments/brokerage today assuming we might move to India in future?
Replies: 14
Views: 1124

Re: Do we change our self-managed investments/brokerage today assuming we might become non-USA residents in future?

There are topics that you need to take into account when leaving the US, both related to the actual management of the investments, and maybe more importantly related to taxation. There have been threads related to that: maybe you can start your search with "exit tax". We also have wiki pages that ad...
by BeBH65
Wed Aug 15, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: When do you change your IPS?
Replies: 8
Views: 913

Re: When do you change your IPS?

In my IPS I have a statement that I can change it with 3 months "notice" if my need, ability or willingness to take risks has changed.
by BeBH65
Wed Aug 15, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance tax on UK assets owned by non-UK residents?
Replies: 15
Views: 958

Re: Inheritance tax on UK assets owned by non-UK residents?

"Invest with simplicity" is one of the Bogleheads principles.
I see no reason for you to have an account in the uk. It only complicates your life.
Indeed why don't you consolidate in account in your home country.
by BeBH65
Wed Aug 15, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Aggressive asset allocation for building a house in 10 years
Replies: 12
Views: 1224

Re: Aggressive asset allocation for building a house in 10 years

My question to you folks: is 90/10 too aggressive, given my tolerance and investment horizon? Stocks can drop 50% or more in a short time. Even after many years recovering might not be complete (i think recovering from 2000 crash took 6 years). Make sure you are not 90/10 as you approach your deadl...
by BeBH65
Tue Aug 14, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: compare return between sp500 and EAFE
Replies: 2
Views: 373

Re: compare return between sp500 and EAFE

We often have threads about international investing vs investing in the US.
A lot depend on the period you are lookin at: startdate - enddate.
Here is a recent thread
by BeBH65
Tue Aug 14, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance tax on UK assets owned by non-UK residents?
Replies: 15
Views: 958

Re: Inheritance tax on UK assets owned by non-UK residents?

@riskless,
Even though there does not seem to be an immediately probleem, why don't you consolidate your accounts, in Belgium, and simplify your portfolio? You never know what will happen after Brexit.
by BeBH65
Tue Aug 14, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall proceeds - what to do?
Replies: 16
Views: 1478

Re: Windfall proceeds - what to do?

Do you have an emergency fund? Pay off the student loan and get rid it. Set money aside for the children. Pay off the mortgages. A high guaranteed return. Consider updating the opening post according to the standard format of "asking portfolio questions" to get more reactions and a comprehensive fee...