Search found 1265 matches

by BeBH65
Sun Dec 16, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Understanding "risk tolerance"
Replies: 4
Views: 306

Re: Understanding "risk tolerance"

Please also have a look at our wiki article.
by BeBH65
Sun Dec 16, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 38
Views: 1688

Re: AGGG vs AGGU? (French, 30, living in Singapore)

I have always believed (but maybe am wrong) that the published ER (of UCITS funds) a reflection is of the cost of managing and operating the fund: consisting of the management fee and other expenses such as trustee, custody, registration fees and other operating expenses. In my idea the following ar...
by BeBH65
Sun Dec 16, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 38
Views: 1688

Re: AGGG vs AGGU? (French, 30, living in Singapore)

The funds follow the same index. Hence the bonds they contain will be the same.
Where they differ is in the assets (futures, options, swaps, ....) they hold to hedge the currency volatility.

The impact of the hedging is hence not visible in the ER.
by BeBH65
Sat Dec 15, 2018 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Sell off company stock and reinvest in ETFs?
Replies: 9
Views: 701

Re: Sell off company stock and reinvest in ETFs?

It's sometimes a bit painful to see one's hard earned monies going down in a ETF such as SP500 which is supposed to be quite diverse, however I assume the best strategy is to just keep the course and invest monthly even if things are going down. :confused Imagine how painfull it would be if you kee...
by BeBH65
Wed Dec 12, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: VUSD vs VOO [Vanguard S&P 500, Ireland vs. US]
Replies: 15
Views: 2724

Re: VUSD vs VOO [Vanguard S&P 500, Ireland vs. US]

Both funds hold the same USD assets. Both funds trade in USD. (And even if they didn't it would not make any differnce). The cost of the fund differ. The US based fund performance assumes 100% of dividends re-invested. Dividend taxation (15 or 30% for non-US investor) is still to be paid. The irish ...
by BeBH65
Mon Dec 03, 2018 1:27 am
Forum: Investing - Help with Personal Investments
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 38
Views: 1688

Re: AGGG vs AGGU? (French, 30, living in Singapore)

There are two sites that i would look at Morningstar and IShares. Look for the (total) return numbers. For distributing funds they include the return from reinvested dividends. Alternatively, you can create a growth graph including both, that will also give you a view between the endpoints. You can ...
by BeBH65
Sun Dec 02, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: What percent of Managers beat the market BEFORE fees?
Replies: 94
Views: 5964

Re: What percent of Managers beat the market BEFORE fees?

Could this also be the other way around: every year a number of funds underperform so badly that they don't survive?
What are the chances that a good performing fund is liquidated?
by BeBH65
Mon Nov 19, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 14
Views: 2939

Re: Help to build a three fund portfolio with non-US ETF

A neutral equity position would be about 90% IWDA, and 10% EIMI. With your proposition you are tripling up on US technology, and neglecting most of the developed world: Europe, UK, Japan, Singapore. In the BH philosophy bonds are used for stability, preferable (hedged to) your home curreny to avoid ...
by BeBH65
Mon Nov 19, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Do Irish-domiciled ETFs trade on US exchanges?
Replies: 4
Views: 344

Re: Do Irish-domiciled ETFs trade on US exchanges?

Where is your tax-domicile? Ireland UCITS complient funds typically do not satisfy the US regulations related to funds. You will not find them on the US exchanges. One of the regulations for US funds is to transfer the received dividends to the investor. Accumulating funds do not do this. If you ar...
by BeBH65
Sat Nov 17, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Need help with investment plan [Europe]
Replies: 7
Views: 682

Re: Need help with investment plan [Europe]

On this forum you will often read the recommendation to stop playing the game if you have won . Please reflect "if you have won the game"? It is important to match your asset allocation (equity/stable assets) to you riskprofile: this is determined by your ability, need and willingness to take risk. ...
by BeBH65
Fri Nov 16, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: What are the upsides / downsides of these two portfolios? (European Investor)
Replies: 16
Views: 1166

Re: What are the upsides / downsides of these two portfolios? (European Investor)

- 70% IWDA, 20 WSML and 10% emerging market would give you the market cap allocation. Knowing that the latter 2 are more volatile and risky.

http://www.morningstar.com/InvGlossary/ ... e_box.aspx
by BeBH65
Fri Nov 16, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: What are the upsides / downsides of these two portfolios? (European Investor)
Replies: 16
Views: 1166

Re: What are the upsides / downsides of these two portfolios? (European Investor)

For the Morningstar style box the neutral split is - Large cap - 70% - Mid cap 20% - Small Cap 10% Smaller cap stocks have a higher expected (but not guaranteed) return, but are more volatile. The MSCI small cap index is about equally split between mid cap and small cap. A split of 70/20/10 in your ...
by BeBH65
Fri Nov 16, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Is Ireland taxing dividends on Accumulating ETF share classes UK domiciled for non Irish people?
Replies: 27
Views: 1721

Re: Is Ireland taxing dividends on Accumulating ETF share classes UK domiciled for non Irish people?

There are 3 possible levels of interest/dividend/capital gains taxation. - Level1: on the level of the asset - Level2: by the country where the fund is domiciled - Level3: by the country of the investor Local legistation and, many times, tax-treaties decide the taxation that will be withheld/request...
by BeBH65
Tue Nov 13, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Won a lawsuit after a wrongful death in the family. How to invest?
Replies: 18
Views: 3334

Re: Won a lawsuit after a wrongful death in the family. How to invest?

Have a look at our wiki page on Managing_a_windfall
Do nothing rash. Set aside one year's living expenses[note 2] and place the rest of the windfall into low risk investments (FDIC insured accounts, money market funds, treasury bills) for one year.
by BeBH65
Mon Nov 12, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Review my portfolio & investment plan
Replies: 10
Views: 690

Re: [EU] Review my portfolio & investment plan

Please pay more attention to the statements of Valuethinker then mine. They are more precise and based on a deeper knowledge.
by BeBH65
Mon Nov 12, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Review my portfolio & investment plan
Replies: 10
Views: 690

Re: [EU] Review my portfolio & investment plan

Recently I finalized my investment plan and strategy. I'm hoping I'd be able to get some thoughts and critisism on my reasoning from more experienced investors here. I'll include most of my context information and reasoning behind the decisions made in the paragraphs below. I've been educating myse...
by BeBH65
Mon Nov 12, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Review my portfolio & investment plan
Replies: 10
Views: 690

Re: [EU] Review my portfolio & investment plan

70% iShares Core MSCI World UCITS ETF 10% iShares Core MSCI Emerging Markets IMI UCITS ETF 20% iShares MSCI World Small Cap UCITS ETF That would work. It is an overweighting in small cap, but that's not likely to make a huge difference either way -- there are long periods when SC outperforms, and l...
by BeBH65
Sun Nov 11, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: [EU / Belgium] A suitable alternative to bonds?
Replies: 12
Views: 1366

Re: A suitable alternative to bonds?

In Belgium we have a dividend tax of 30% and a capital gains tax on bonds fonds of 30%. We do not have capital gains tax on stocks , stockfunds and individual bonds . Most investors would like to be in the same situation. :-). As capital gains taxes on all gains from investment are worldwide more t...
by BeBH65
Sun Nov 11, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: [EU / Belgium] A suitable alternative to bonds?
Replies: 12
Views: 1366

Re: A suitable alternative to bonds?

Hello Zarci, The Bogleheads' principles are universally applicable. Every country does have particular challenges and solutions. As such it is good to mention {Europe] or {Belgium} in your title to attract the members that are focussing on these aspects. You can update the title by using the small p...
by BeBH65
Sat Nov 10, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: What are the upsides / downsides of these two portfolios? (European Investor)
Replies: 16
Views: 1166

Re: What are the upsides / downsides of these two portfolios? (European Investor)

You are doing different tilts with the two portfolio's. If you start from market cap, and use msci indexen, you should have about: - 75% world developped Large cap - 15% world developped small cap - 10% emerging markets all cap If you build a m* portfolio with the Iwda, Wsml, and Emim fonds to under...
by BeBH65
Thu Nov 08, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 990

Re: difference going long on a leveraged etf and short on its inverse?

read the wiki mentioned above read the previous threads on inverse and leveraged funds the daily tracking-error will be compounded daily Site doesnt answer my question. From the Wiki : https://www.bogleheads.org/w/images/d/d8/Vfinx-sso-ssd-heads-you-lose-tails-you-lose.png It is better to invest 10...
by BeBH65
Thu Nov 08, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: how do I determine if a company is value or growth?
Replies: 5
Views: 383

Re: how do I determine if a company is value or growth?

Are there generally accepted rules that govern whether a company is classified as value or growth. There are many alternative ways of determining if a company is Value or Growht; with sometimes conflicting outcome. - If you seacrh on the Morningstar site you can find how they do it. - if you search...
by BeBH65
Thu Nov 08, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 990

Re: difference going long on a leveraged etf and short on its inverse?

read the wiki mentioned above
read the previous threads on inverse and leveraged funds

the daily tracking-error will be compounded daily
by BeBH65
Wed Nov 07, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: 32 yo - Investment Plan/Retirement Portfolio - CZECH & EUROPE
Replies: 33
Views: 3001

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

I don't know exactly how fund companies do this, but as far as I know they apply to foreign tax authorities in order to get the withheld taxes refunded the following year. If they think they have a good case, they can run their case through the judicial system in each country. It has little or noth...
by BeBH65
Tue Nov 06, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2677

Re: Bond prices drop but their yields go up??

I'm still not sure if anyone answered my 524% questions. While maybe not normal for Vanguard, do bond funds really turn over this much, and if so, how is that even possible? tu In addition to the answer Valuethinker gave you on your immediate question, you might also find info that you find interes...
by BeBH65
Sun Nov 04, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 32 yo - Investment Plan/Retirement Portfolio - CZECH & EUROPE
Replies: 33
Views: 3001

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

Thank you all very much! What you've said makes sense of course. Also, digging around small cap funds I also ran into iShares MSCI World Small Cap UCITS ETF (TER 0.35%) vs SPDR MSCI World Small Cap UCITS ETF (TER 0.45%). I can't quite wrap my mind around this, as they seem to be following the same ...
by BeBH65
Sun Nov 04, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: 32 yo - Investment Plan/Retirement Portfolio - CZECH & EUROPE
Replies: 33
Views: 3001

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

I've just been wondering, as I'm new to this - is there any particular reason, why did you choose IWDA instead of CSPX (iShares Core S&P 500 UCITS ETF)? As the two indices seem to move more or less in sync, yet the cost of the later is pretty much 1/3 of the former? "Past performance is no indicati...
by BeBH65
Thu Nov 01, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: How do I find an investment strategy?
Replies: 16
Views: 1179

Re: How do I find an investment strategy?

Have a look at the first two books on the list in the Bogleheads investing_start-up_kit
by BeBH65
Thu Nov 01, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2677

Re: Bond prices drop but their yields go up??

We have a number of wiki articles on bonds: for instance Bonds_pricing_on_the_secondary_market
by BeBH65
Wed Oct 31, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Advise on Fixed income ETFs [Non-US]
Replies: 8
Views: 653

Re: Advise on Fixed income ETFs [Non-US]

The diagram posted above is part of the Vanguard paper on /going-global-with-bonds.pdf
by BeBH65
Tue Oct 30, 2018 3:57 am
Forum: Investing - Help with Personal Investments
Topic: Advise on Fixed income ETFs [Non-US]
Replies: 8
Views: 653

Re: Advise on Fixed income ETFs [Non-US]

Hi Fastball, Welcome to the forum. I understand that you are in investor from outside of the US. In the Bogleheads idea, bonds are foremost for safety. With Global Aggregate Bond - you are spreading over the whole world --> good. - you are investing in high quality and have a large portion in Govern...
by BeBH65
Sun Oct 28, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Who should I believe?
Replies: 48
Views: 7612

Re: Who should I believe?

Hello Aoiowl, Welcome to the forum. You have already received a lot of input. You might want to put something like [UK expat in middle east] in your title to draw the attention of our international forum members. There have been several threads from expats in Dubai, UAE, middle east,... do a search ...
by BeBH65
Fri Oct 26, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5350

Re: Compounding interest?

Have a look at the decription of the Bogleheads principle "Invest early and often"

[link fixed by admin LadyGeek]
by BeBH65
Fri Oct 26, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when relocating from Boston to Toronto
Replies: 28
Views: 2573

Re: Things to consider when relocating from Boston to Toronto

For the topics related to investing, please have a look at the non-US domicile pages of our wiki as well as our canadian sister site finiki.
by BeBH65
Thu Oct 25, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Invest allocation advice?
Replies: 2
Views: 199

Re: Invest allocation advice?

Hi Bart,

Welcome to the forum.

Have you seen our wiki? The /Bogleheads®_investing_start-up_kit is a good place to start.
by BeBH65
Thu Oct 25, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Buying on LSE or NYSE [from Ireland]
Replies: 7
Views: 374

Re: Buying on LSE or NYSE [from Ireland]

As mentioned, have a look at the "non-US Domicile" wiki pages. Are you still able to buy US-domiciled funds on the NYSE? Many of us in Europe have lost that ability due to a new set of regulations that came into effect at the beginning of the year, Ireland domiciled funds are now best for us. This i...
by BeBH65
Wed Oct 24, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: [EU-Belgium] Which bond ETF?
Replies: 24
Views: 2258

Re: [EU-Belgium] Which bond ETF?

BeBH65, Can you please clarify the below? Equalize it with what? hedging will equalise the return Hedged to euro the return of the global bonds will be very close to the return of euro bonds of the same quality, duration, ... Or said differently: the cost of hedging is equal to the difference in in...
by BeBH65
Wed Oct 24, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: [EU-Belgium] Which bond ETF?
Replies: 24
Views: 2258

Re: [EU-Belgium] Which bond ETF?

Assumung you are in the accumulating phase of your in investment life then accumulating funds have an advantage. 1- the full dividend participate in the compounding, not only 70% of ooit. 2- Belgium has capital gains taxes, but there is no credit for losses; Assuming a situation of rising intrest ra...
by BeBH65
Sun Oct 21, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: HELOC AS Emergency Fund
Replies: 10
Views: 672

Re: HELOC AS Emergency Fund

Our wiki has the following on using a line of credit as emergency fund. Some people view various forms of credit (particularly HELOCs[3]) as suitable for emergency funds; others strongly disagree. Credit lines can often be withdrawn with little or no notice, and some emergencies which require drawin...
by BeBH65
Fri Oct 19, 2018 5:51 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] EUR+USD complicated portfolio for better yield
Replies: 15
Views: 909

Re: [Europe] EUR+USD complicated portfolio for better yield

Have a look at this wiki page on currencies that was recently added.

I would consider the currency that you "think" in your home currency. If people ask you your "net worth" do you mention an amount in Euro or in USD. That is your reference.
by BeBH65
Fri Oct 19, 2018 2:37 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11430

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

So if I buy a share of Petróleo Brasileiro S.A.—Petrobras—a semi-public Brazilian multinational corporation in the petroleum industry headquartered in Rio de Janeiro, Brazil, I’m not transferring my wealth to the Brazilian government? Really? Where does the money go? It might actually be the other ...
by BeBH65
Fri Oct 19, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (30 something) from NL
Replies: 48
Views: 1812

Re: Portfolio advise (30 something) from NL

- Property is already included in the other stock funds - You propose positions of 2%: Generally it is accepted that positions of less the 5% are too small to significallny change the outcome of the total portfolio. In you case this will be 260 Euro, as a percentage, your transactions costs will be ...
by BeBH65
Thu Oct 18, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advise (30 something) from NL
Replies: 48
Views: 1812

Re: [The Three-Fund Portfolio - Netherlands]

You are overthinking this, certainly based on this:
Sinsji wrote:
Wed Oct 10, 2018 6:51 am
I've got about 13 k in savings. I intend to put money aside each month for savings, possibly about 500,- euro.
Consider limiting yourself to the first equity fund and the first bond fund.
by BeBH65
Thu Oct 18, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] EUR+USD complicated portfolio for better yield
Replies: 15
Views: 909

Re: EUR+USD complicated portfolio for better yield

I understand that I can avoid the EUR-USD currency risk by spreading my investment so that any equity/bond that's in the US - uses my USDs, while I can keep my EUR-world(non-US) risk by investing the EUR in the rest. This is a false starting point. The currency risk is between your home currency an...
by BeBH65
Sun Oct 14, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Investing in ETF (different currencies)
Replies: 9
Views: 575

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: 43
Views: 7130

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: 1622

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: 593

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...