Search found 1179 matches

by BeBH65
Thu Aug 16, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: investing while living abroad
Replies: 1
Views: 122

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: 15
Views: 897

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: 11
Views: 1162

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: 940

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: 782

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: 14
Views: 678

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: 1140

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: 330

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: 14
Views: 678

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: 1337

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...
by BeBH65
Fri Aug 10, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Competent tax advisor / consultant for Belgium
Replies: 5
Views: 381

Re: Competent tax advisor / consultant for Belgium

You could also try https://www.fsma.be (site of the financial "regulator")
I could not find anything on the meerwaarde (double e double a) though
Insurances is tak 21 or tak 23 - after 8 year and 1 day tax free - but no formal mention that you do not need to payc capilal gains tax.
by BeBH65
Thu Aug 09, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Competent tax advisor / consultant for Belgium
Replies: 5
Views: 381

Re: Competent tax advisor / consultant for Belgium

Hello riskless, I believe that Bondfunds within an insurance wrapper do not have capital gains tax if the investment is held longer then 8 years. But the cost of the wrapper will ofset your gains. related to place to find info: you might try wikifin.be and https://finance.belgium.be/en trusts are no...
by BeBH65
Thu Aug 09, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in France
Replies: 24
Views: 1596

Re: Investing in France

If I invest in France, I will have to declare the gains both in the US (IRS) and in France (Fisc). Please read this reference very careful. Taking the wrong option might lead to a nightmare, or you might already be in it without you knowing. Non-US investor's guide to navigating US tax traps - Bogl...
by BeBH65
Thu Aug 09, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Does the accountancy currency of a fund have an impact on how much you are taxed?
Replies: 2
Views: 149

Re: Does the accountancy currency of a fund have an impact on how much you are taxed?

A lot depends on the tax laws in "your" country.
For me I know that most of the taxes are levied on the euro amount with a few notable exceptions where the trading currency is used.
by BeBH65
Thu Aug 09, 2018 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing When Average Are Under or Over Market Prices(?)
Replies: 8
Views: 661

Re: Rebalancing When Average Are Under or Over Market Prices(?)

Hello, The mechanism that you describe is used while investing in individuel stocks. You are also using terminology like "rebalancing" differently then we do. A step back: On this forum we are inspired by the Bogleheads_investment_philosophy . One of the principles is Never_bear_too_much_or_too_litt...
by BeBH65
Thu Aug 09, 2018 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 5074

Re: Old dog needs to learn to manage his investments

Hello Benchie, Welcome to the forum. You have already received a lot of good feedback. The most important one is: Benchie, this is one of the most expensive portfolios ever posted here. Class C funds carry a 1% commission in the expense ratio making the total expense ratio of these funds close, and ...
by BeBH65
Wed Aug 08, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Clean up on Aisle 4 (help me clean up this mess)
Replies: 15
Views: 2571

Re: Clean up on Isle 4 (help me clean up this mess)

Easy, Have a look at the wiki page on three fund portfolio . Been there, done that. Have read JCB’s Investing, 3-Fund Portillo, Enough, Retirement, etc. all great reads. :happy Looking for specific recommendations please. Unless I miss something, simply plug your numbers 47%, 18% and 35% instead of...
by BeBH65
Wed Aug 08, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Clean up on Aisle 4 (help me clean up this mess)
Replies: 15
Views: 2571

Re: Clean up on Isle 4 (help me clean up this mess)

Silver Bullet wrote:
Wed Aug 08, 2018 8:16 am

Staying with Vanguard.
AA:
65% Stocks (75% US, 25% Intl desired)
35% Bonds

What are the best recommendations for these allocations?

Thanks!
Easy, Have a look at the wiki page on three fund portfolio.
by BeBH65
Wed Aug 08, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for retirement [Portugal]
Replies: 14
Views: 945

Re: Portfolio for retirement [Portugal]

Degiro has a 2€ comission for each buy/sell on this ETF's, taking into consideration that I want to buy every month around 500€ and later on around 1000€, is it better to buy every 2 months so I can leverage the comission fees? Buy only one fund per month for the full amount. and/or Buy once every ...
by BeBH65
Wed Aug 08, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 14
Views: 1316

Re: VITAX ( vanguard tech fund )

given we are living in a new technology time I assume investing in VITAX makes sense but I may be wrong. am sure there are people out there with experience regarding this fund. please share ... So which part of this information is not known by everyone (experts included,)and hence would not be pric...
by BeBH65
Wed Aug 08, 2018 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Manage tax status and concentrate more on dividends + cash pot?
Replies: 3
Views: 465

Re: Europe:- manage tax status and concentrate more on dividends + cash pot?

It depends.... - Current dividends of a world diversified equity fund would be about 2%, trending down in recent years. - Focussing on dividend stock lowers the diversification and risk spreading of your portfolio. - In total return, Dividend stocks (whatever flavour) performed historically about th...
by BeBH65
Tue Aug 07, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing
Replies: 10
Views: 813

Re: Help with rebalancing

I might be missing something; Based on the numbers you provided this looks like the transactions you need to make: Asset class - current - new - transaction Cash 1.21 0 -1.21 Int bond 8 13 +5 Int stock 25 29 + Us lc 42.08 39 -3.08 Us mid 12.19 2.8 -9 Us small 3.6 8.2 +4.6 For each transaction select...
by BeBH65
Tue Aug 07, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: VWRL vs FTSE Global All Cap
Replies: 9
Views: 631

Re: VWRL vs FTSE Global All Cap

Assume you have 2000 GBP. Assume a rate of £1:$1.293, your £1,000 buys you $1,293 dollars Assume you buy VWRD for 1,293 USD and you also buy VWRL for 1000 GBP. The prices today are USD 85,99 and GBX 6638,53 Your two purchases will buy you 2x 15 shares. Let’s suppose the pound strengthens in the next...
by BeBH65
Tue Aug 07, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Windfalls swamping AA: advice, please
Replies: 6
Views: 851

Re: Windfalls swamping AA: advice, please

The lead-in on our wiki page Managing_a_windfall mentions: Do nothing rash. Set aside one year's living expenses and place the rest of the windfall into low risk investments (FDIC insured accounts, money market funds, treasury bills) for one year. Consider - prefunding the 527 for your children - pa...
by BeBH65
Tue Aug 07, 2018 3:04 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6150

Re: Planning to invest in these funds -- any issues?

Please read, or reread, these wiki pages decide then if your advisor is knowlegeable enough to advise you and has your benefit in mind: ... https://www.bogleheads.org/wiki/Prioritizing_investments Tax Efficient Fund Placement https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Asset allocat...
by BeBH65
Mon Aug 06, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: VWRL vs FTSE Global All Cap
Replies: 9
Views: 631

Re: VWRL vs FTSE Global All Cap

These are the Vanguard FTSE All-World ETFs that Morningstar shows me: Name Ticker Valuta Vanguard FTSE All-World ETF LSE:VWRD USD Vanguard FTSE All-World ETF CHF XSWX:VWRL CHF Vanguard FTSE All-World ETF CHF CHIX:VWRLz CHF Vanguard FTSE All-World ETF EUR XAMS:VWRL EUR Vanguard FTSE All-World ETF EUR...
by BeBH65
Mon Aug 06, 2018 4:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 27
Views: 5686

Re: Portfolio Review, Age 31, $1.5 million net worth

Related to emergency fund: our wiki has a page devoted to this that contains a lot of information. Maybe a multi-tier emergency fund would be suitable for you?

The page on donor advised funds has info that could be of use to you on donating shares.
by BeBH65
Mon Aug 06, 2018 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Euro-denominated ETFs in European institution to balance USD-denominated ETFs in US institutions
Replies: 8
Views: 712

Re: Euro-denominated ETFs in European institution to balance USD-denominated ETFs in US institutions

Related to the currency topic: please have a look at our wiki page Base_currency_vs._trading_currency_vs._currency_of_the_underlying_asset.

We also have a page on Tax_issues. Please pay special attention as US national living outside of the USA.
by BeBH65
Mon Aug 06, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: Non-USA Domicile: Thank You IB, Vanguard, and Ishares
Replies: 32
Views: 3557

Re: Non-USA Domicile: Thank You IB, Vanguard, and Ishares

Dividend taxes are taken at three levels by three countries. - asset level, by the country of the asset - dependent on asset country tax law and tax treaty with country of the fund - fund level, by the country of the fund - dependent on fund country tax law and tax treaty with country of the investo...
by BeBH65
Sun Aug 05, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: [Germany] A Question from a Newcomer
Replies: 8
Views: 366

Re: [Germany] A Question from a Newcomer

There are only a few providers offering non-ETF low cost index funds in Europe. The only ones I know about have a minimum of 100kEuro or are within pension wrappers in a few countries. "Next" to the wiki pages on Germany there are pages on a few other European countries. Have a look at them on how t...
by BeBH65
Sun Aug 05, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: [Germany] A Question from a Newcomer
Replies: 8
Views: 366

Re: [Germany] A Question from a Newcomer

Hello Anon, Welcome to the forum. Next to the wiki pages here have been a number of threads on Germany in the recent months. Do a search for them using the search box (top right of this page) if I am not mistaken the question of broker was discussed there. Your asset allocation might be a bit heavie...
by BeBH65
Sat Aug 04, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for retirement [Portugal]
Replies: 14
Views: 945

Re: Portfolio for retirement [Portugal]

Related to keeping your portfolio aligned to your chosen AA. Indeed ETFS cannot be bought in fractions. Now, your funds will evolve, some will do better some will not do so good. Especially with smal amounts as yourself you should consider only investing in one asset per month; the asset that is low...
by BeBH65
Sat Aug 04, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6150

Re: Financial Planner is going to buy funds for me. What should I find out first before letting him?

Remember some funds have loads of 5% or higher.
The first thing your planner can do when you hand him your money is take his 5% and then invest the other 95% for you.

You do not want your financial planner to buy funds for you without your up-front approval.
by BeBH65
Sat Aug 04, 2018 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for retirement [Portugal]
Replies: 14
Views: 945

Re: Portfolio for retirement [Portugal]

Hello ddxtreme, Welcome to the forum. The funds you chose are the usual suspects. You might consider to only invest in IWDA for the moment. - This will save you transaction costs. You have to pay per purchase. On tiny purchases this will be very high. - It will also give you a smoother ride as Emerg...
by BeBH65
Sat Aug 04, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Portfolio - Increase Bonds [Europe]
Replies: 2
Views: 207

Re: Rebalancing Portfolio - Increase Bonds [Europe]

Hello RCIAPCMD, Welcome to the forum. Finding good investments for the stable portions for Europeans is not easy. This is a topic that is discussed in many threads, have a browse through the forum for threads indicating a European country in the title. If you want feedback it is useful to write out ...
by BeBH65
Wed Aug 01, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: [European Expat in Hong Kong] Bonds, Currency and Fees for global portfolio
Replies: 5
Views: 464

Re: [European Expat in Hong Kong] Bonds, Currency and Fees for global portfolio

Hi Bogleheads, Thank you everyone for making this a very good educational place for us - investor beginners. I am EU country permanent resident (Czech Republic), but tax resident in Hong Kong for last 3 years. I am 27 yo and not sure yet if I will move to back to EU in the coming years and have les...
by BeBH65
Wed Aug 01, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11487

Re: Passive Index Investing, A Bubble Bound To Burst?

Isn't that beside the point! If the current price is $145.03, but nobody will buy above $145.00, do you think you are going to receive $145.03 because that is what the current NAV adds up to. I don't think you will. I have confidence that the Authorised Participants in the ETF process will play the...
by BeBH65
Wed Aug 01, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Investing from Cyprus
Replies: 15
Views: 862

Re: Investing from Cyprus

The page is fairly new. I would expect it to be up to date. The page focussed on the choice between US-domiciled funds and non-US (often Ireland) domiciled funds. ... Given MiFID II & its ilk* of European legislation, is it possible for an EU resident to buy a US domiciled fund? i.e. are they not a...
by BeBH65
Wed Aug 01, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Europe retiree seeking help with portfolio set up
Replies: 10
Views: 645

Re: Europe retiree seeking help with portfolio set up

Goal Provide adequate income for comfortable retirement over maximum of 40 year period. You need to set you withdrawal rate; input The US members on this board often disucss about SWR (Safe Withdrawal Rate). Traditionally this was 4% in the US for a period of 30 years. Many in the discussion argue ...
by BeBH65
Wed Aug 01, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 1022

Re: Asset Allocation for a intermediate savings goal.

I do not want to get into specifics of what the money is for, but lets just say my target goal is to save $55,000 in 12 years. I am starting from scratch, so there is not a chunk of change to begin with. My original thought process was to just do the math. If I saved $350 a month and put it in a 1....
by BeBH65
Wed Aug 01, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Investing from Cyprus
Replies: 15
Views: 862

Re: Investing from Cyprus

The page is fairly new. I would expect it to be up to date. The page focussed on the choice between US-domiciled funds and non-US (often Ireland) domiciled funds. Once that choice is made the investor needs to look at his/her local taxation rules to optimise within Cyprus. How are fund dividends tax...
by BeBH65
Wed Aug 01, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11487

Re: Passive Index Investing, A Bubble Bound To Burst?

OK, our difference in understanding comes down to this. I believe flows can affect price (even without the underlying assets being traded). You don't. Indeed that is our difference. For instance, say you want to sell some shares of VTI that day for some expense or to rebalance into bonds. The curre...
by BeBH65
Wed Aug 01, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6150

Re: Nervous about not using a personal wealth manager. How do I do this myself?

You seem to have a sound financial plan. Many Bogleheads prefer indeed a lazy approach to investing. It has been proven that frequent tinkering to ones investments often leads to underperformance. "stay the course" is one of the Boglehead Principles . Not spending a lot of time to the investements a...
by BeBH65
Wed Aug 01, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 126
Views: 14175

Re: Net worth of $3.7M at age 47 - can I retire?

@Mako52, You already received a lot of feedback. Maybe time to consolidate. Can I suggest you update the opening post. We would be able to give you better feedback if we would have more information. Please consider expansing the opening post according to the format of Asking_portfolio_questions Your...
by BeBH65
Tue Jul 31, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: newbie from taiwan
Replies: 9
Views: 1004

Re: newbie from taiwan

nabula wrote:
Tue Jul 31, 2018 12:49 am
thanks BeBH65

i will do more study

thank you
Please do not hesitate to come back with questions.
Our wiki has a lot of info.
The investment start-up kit is a good starting point. The selection of the actual funds is only one of the last steps.
by BeBH65
Tue Jul 31, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11487

Re: Passive Index Investing, A Bubble Bound To Burst?

Many investors try to time niche markets using "passive" indexes via ETF and surely they can push inflows into a niche which will affect price. In fact, the 30-day average of ETP (exchange-traded funds and notes) trading as a proportion of total U.S. exchange volume is 28%. The top ten traded secur...
by BeBH65
Tue Jul 31, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 126
Views: 14175

Re: Net worth of $3.7M at age 47 - can we retire?

If you punch USSPX or VFIAX into a chart for "Max" you can see the trajectory of an S&P fund. 2000-2002 and 2007-2009 were very ugly. 2009 to present has been awesome. For example (change to "Max") https://finance.yahoo.com/quote/USSPX?p=USSPX&.tsrc=fin-srch-v1 I am not arguing the point that there...
by BeBH65
Tue Jul 31, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4578

Re: 1.9 M windfall. My plan; input requested

Hello Brianact, Welcome to the forum. The lead-in of our wiki entry on windfall mentions: Do nothing rash. Set aside one year's living expenses and place the rest of the windfall into low risk investments (FDIC insured accounts, money market funds, treasury bills) for one year. Do this, while you wo...