Search found 985 matches

by BeBH65
Sat May 19, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

There are many levels of taxation, that need to be looked at as a whole. Some taxations levels for people living in France (from memory and a few years old) - 30% taxation on the dividends received (on top of the 15% the US already withheld) - 36,2% capital gains tax - 0,5% Tobin transaction tax on ...
by BeBH65
Fri May 18, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

Actually it is not that bad. For Stocks I buy Accumulating ETF not registered in Belgium IWDA, EIMI, ... --> no dividend taxation, no capital gain tax, but 0.35% tax when I sell, whenever that will be. For Bonds I have a combination of distributing ETF funds --> 30% dividend tax, no capital gains ta...
by BeBH65
Thu May 17, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 804

Re: [Europe] [Belgium] Investing with DEGIRO

From this kpmg study on lux funds wht I learn that Lux funds pay 30% dividend WHT to the US ... Thank you for posting this. I was looking for it earlier today in relation to this exact thread, but could not find it. I have no reason to doubt KPMG here, but it does seem odd that nowhere else -- at l...
by BeBH65
Thu May 17, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 804

Re: [Europe] [Belgium] Investing with DEGIRO

As for now, I only invest in stocks as I'm still young and have a long investment horizon in front of me (although I don't plan to work until I'm 67 :P ). When I retire I'll probably move a small percentage to bonds, maybe 10-20%, to make withdrawals from when the stock market crashes. 100% stocks ...
by BeBH65
Thu May 17, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 804

Re: [Europe] [Belgium] Investing with DEGIRO

https://www.bogleheads.org/wiki/Nonresident_alien%27s_ETF_domicile_decision_table On this page you can find list of all countrys with USA tax trity, and Estate tax treaty. This page on our wiki focusses on the tax treaties as they relate to individuals (natural persons). Tax treaties often have spe...
by BeBH65
Thu May 17, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 804

Re: [Europe] [Belgium] Investing with DEGIRO

I have no experience with Degiro so cannot help you there. What I heard is tht DeGiro might be lending our your shares to others who will then short them.... there is a price for getting something for free. They won't lend out your shares if you use the "custody account" option if I recall correctl...
by BeBH65
Thu May 17, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Malta, Europe [EU]
Replies: 2
Views: 225

Re: Portfolio Malta, Europe [EU]

Hello Halfping, Welcome to the forum. Not sure if we already had someone from Malta John the forum. You can check by performantie a search in the searchbox. Most of the Boglehead principles are universal and valid for the whole world: have a look at the Bogleheads Investment Philosophy and the Inves...
by BeBH65
Thu May 17, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 23
Views: 804

Re: [Europe] [Belgium] Investing with DEGIRO

Hello Victor, Welcome to the forum. I have no experience with Degiro so cannot help you there. What I heard is tht DeGiro might be lending our your shares to others who will then short them.... there is a price for getting something for free. Make sure to buy the funds in Euro to avoid currency exch...
by BeBH65
Thu May 17, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

To continue on the difference in tax legislation per country, and why it is important to check the tax regime of your country and to define what is the best way for you to invest. In Belgium, - We only have capital gains tax on bondfunds, not on individual bonds, not on equity(funds). There is also ...
by BeBH65
Wed May 16, 2018 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Model ETF portfolios
Replies: 9
Views: 660

Re: Model ETF portfolios

On this forum we follow a number of in investment principles . " Never try to time the marke t" is an important one. " Stay the course " is another one. " Keep costs low " is also important Our goal is to build a portfolio that will perform "well" whatever the future will bring us. We will not adapt...
by BeBH65
Tue May 15, 2018 2:53 am
Forum: Investing - Theory, News & General
Topic: How much should I save before I start investing? and more
Replies: 12
Views: 1645

Re: How much should I save before I start investing? and more

There are a few prerequisites before you can start to invest.
Have a look at our wiki pages on "getting started" and the "investing Startup kit"
by BeBH65
Mon May 14, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: [EU] About the cost of taxes on dividends in European funds
Replies: 18
Views: 1011

Re: [EU] About the cost of taxes on dividends in European funds

This is what our wiki mentions on synthetic etf Synthetic ETFs are an advanced investing concept and not recommended for new investors. The underlying securities of synthetic ETFs, which are comprised of derivatives and other products, impose extra levels of risk to investors. These ETFs are not reg...
by BeBH65
Mon May 14, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

Did you mean that a Belgian fund (holding US assets and subject to L1TW) would still be subject to also L2TW. Why would it make a difference if you are Belgian resident or not? Belgian funds (have to) withhold dividend tax when they pay out dividends L2TW, I believe this is largely independent of L...
by BeBH65
Sat May 12, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Hong Kong Investing
Replies: 3
Views: 328

Re: Hong Kong Investing

Please have a look at the "getting started" and the "Bogleheads investment toolkit" pages of our wiki.
There is also a page on "medium term investing"
They should give you a good start.
Come back here with questions.
by BeBH65
Sat May 12, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Hong Kong Investing
Replies: 3
Views: 328

Re: Hong Kong Investing

Please have a look at the "getting started" and the "Bogleheads investment toolkit" pages of our wiki.
They should give you a good start.
Come back here with questions.
by BeBH65
Fri May 11, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

Even triple Dividend taxation if you choose a fund domiciled in a country that taxes the dividends that the funds distribute. I believe Belgium is one of them. needless to say the Belgian domiciled funds have very few customers outside of Belgium :-) For more background see our wiki: EU_investing#Di...
by BeBH65
Fri May 11, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Asset manager etf and funds
Replies: 1
Views: 137

Re: Asset manager etf and funds

Please have a look at our wiki. Maybe start at three fund portfolio
by BeBH65
Fri May 11, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

If you buy a US domiciled ETF that holds only US stocks and which pays $100 in dividend, the US will take $15 in tax on the dividend paid by the ETF, and you would owe your home country $5 (20% of $100 less $15 paid to the US and claimed as a 'foreign tax credit'), leaving you $80. If you buy an Ir...
by BeBH65
Fri May 11, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 147
Views: 15165

Re: 100% Stock Portfolio?

This is what we have in our wiki on emergency fund.
Having 2 years expenses seems a lot. Investing ome's emergency fund in bond is also not typical. Both of these would make me think that this is not an emergency fund but a stable investment.
by BeBH65
Thu May 10, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

So I I buy $1000 in a ETF fund for US stocks and it gets me $100 of dividends reinvested, and then I sell. I would have to pay: - $15 to US (15% x 100). This is internal to the fund. I'll just see the value of the fund going to $1075. correct - $215.6 to investor home residency (20% * $1075) after ...
by BeBH65
Thu May 10, 2018 1:57 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

There are 3 levels of dividend (withholding) taxation: - by the country of the asset - by the country of the fund - by the country where the investor is domiciled. In your example: - for us assets: the US will levy 15% withholding tax, Ireland does not tax, your country will tax whatever they do - f...
by BeBH65
Wed May 09, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 4832

Re: 100% equity folks- holding any cash/bonds now?

... and 15-20% drop will prompt reinvestment all the way back to 100% equity. You are afraid now of a potential decline in the market. So let's assume the market loses 1% every week for the next 20 weeks. Will you really have the courage at week 20 to invest all your cash and buy stocks with it?
by BeBH65
Wed May 09, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Swiss or European Equivalent of Vanguard?
Replies: 12
Views: 821

Re: Swiss or European Equivalent of Vanguard?

In order to mitigate currency risk, they’re looking at investing in a Swiss mutual fund with an ER around 3%! It is the currency of the underlying assets that determine the currency risk. The currency risk of a fund in japanese stock will have the currency risk CHF-JPY independend if the fund is qu...
by BeBH65
Sat May 05, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

I'm US based. But my point is that if you buy an accumulating ETF as an US person, how do you pay taxes on it? Or you don't? I know in Europe you don't have to, but it's a different legal structure for funds. As a US person you will have difficulties buying an accumulating fund, and if you succeed ...
by BeBH65
Sat May 05, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

So what is the point of an accumulating ETF? non-accumulative allows you to do it yourself... In many countries outside of the US An investor do not need to pay any tax for the dividends that an accumulating fund reinvests itself immediately . Your investments grow tax free, I guess similar as some...
by BeBH65
Sat May 05, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: [EU] About the cost of taxes on dividends in European funds
Replies: 18
Views: 1011

Re: [EU] About the cost of taxes on dividends in European funds

And what this graph does not show is the dividend withholding by the country of the investor. Your country will normally tax te dividends that the fund pays you before you receive them In many European countries you can avoid this by using accumulating funds, where the fund dividends are reinvested ...
by BeBH65
Sat May 05, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 51
Views: 2972

Re: Accumulating ETF - Additional Units or Increase in Price

When comparing return of funds (or any other investment for that matter) you should always compar total return (changes in price and dividendrendement received). For a distributing fund you will receive the dividends and can buy new shares of the fund with it, and hence you will own more shares of t...
by BeBH65
Fri May 04, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account
Replies: 52
Views: 5038

Re: I inherited 1 million dollars, should I open an IRA or keep adding money to this million dollar brokerage account

In response to someone’s question, the brokerage account earned 7% last year and is split evenly between Vanguard Health Care Mutual Fund, Vanguard Utilities ETF and Vanguard Consumer Giods ETF. When the market rebounds we want to sell the two ETFs and place that money in a money market fund a few ...
by BeBH65
Fri May 04, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: US resident (non-citizen) soon returning needs advice
Replies: 8
Views: 973

Re: A timid investor needs a serious guidance

Hello Anich, Welcome to the forum. You have already recie3ved good advice. I suggest you ad something like [US resident (non-citizen) soon returning] to the title of the thread to attrack the members that are specialist in international investing. Thinking aloud: Would it make sense for you to alrea...
by BeBH65
Fri May 04, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: fatca compliant european vanguard funds US expat (UK)
Replies: 6
Views: 288

Re: fatca compliant european vanguard funds US expat (UK)

awoof wrote:
Fri May 04, 2018 5:51 am
As a dual citizen I need funds that are registered in both the UK and US. It's such a pain.
Do a search for uk threads on the forum. I have seen this mentioned before.
by BeBH65
Fri May 04, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: fatca compliant european vanguard funds US expat (UK)
Replies: 6
Views: 288

Re: fatca compliant european vanguard funds US expat

Please put UK in the title of the thread (edit button on first post). Will help for our UK based members to notice your post.

Are you looking for Us domiciled or Uk domiciled funds?
Maybe the two first pages mentioned at Non-US_domiciles#Tax_issues can help you?
by BeBH65
Fri May 04, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest about 200K
Replies: 9
Views: 1151

Re: Where to invest about 200K

As an experienced forum you lickely know that we need more information to answered that question.
Please consider updating your opening post with the info as described in asking_portfolio_questions
by BeBH65
Thu May 03, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: UK Portfolio confusion
Replies: 22
Views: 937

Re: UK Portfolio confusion

Please have a look at wiki/Non-US_investor's_guide_to_navigating_US_tax_traps
As well as wiki/Nonresident_alien's_ETF_domicile_decision_table

You also might learn a lot from previous threads about the UK; please do a search for "UK" using the search box top right corner
by BeBH65
Thu May 03, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3570

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

Your money was in the market before in a single stock. By investing it now in an index fund you are diversifying and lowering the risk enourmously. As Saïd before. "You are investing your money every day". If you cannot stand the money to be in the market now why would you be able to stand it in two...
by BeBH65
Wed May 02, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: UK Portfolio confusion
Replies: 22
Views: 937

Re: UK Portfolio confusion

Kosmicmisfit, Welcome to this forum. While this forum is USA focussed most of the principles and strategies are universal. There is also a growing community of non-USA members who respond on queries. Regading the general principles you can start by reading: - Bogleheads_investment_philosophy and - B...
by BeBH65
Tue May 01, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: 401k vs. ETF
Replies: 5
Views: 465

Re: 401k vs. ETF

Hi Kasper, Welcome to the forum. Others already provided you a lot of information. I think your question is a false opposition, It seems you are actually asking 2 questions. 1- In which account should I invest? . Should I invest through a 401k 'account' or a taxable account? 2- What kind of funds sh...
by BeBH65
Sun Apr 29, 2018 2:53 am
Forum: Investing - Help with Personal Investments
Topic: Next steps after "basics"?
Replies: 21
Views: 2040

Re: Next steps after "basics"?

With some more information we could give you a more targetted answer.
Please consider updating your opening post with the info decribed in Asking_portfolio_questions
by BeBH65
Sun Apr 29, 2018 2:00 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio, help me understand it correctly.
Replies: 4
Views: 834

Re: 3 fund portfolio, help me understand it correctly.

Hello JJP, Welcome to the forum. Next to the book that you already read you might find look at our wiki for additional info. The following could be good entry points: Getting started - Start here. Bogleheads® investment philosophy - Our investment principles. Bogleheads® investing start-up kit - A t...
by BeBH65
Sat Apr 28, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Investor Compensation Scheme & Broker separated accounts (European context)
Replies: 2
Views: 232

Re: Investor Compensation Scheme & Broker separated accounts (European context)

Looks like they cover different obligations: EU rules to protect investors The directive on investor compensation schemes, adopted in 1997, protects investors by providing compensation if an investment firm fails to return the investor's assets. Claims under the directive typically arise if there is...
by BeBH65
Fri Apr 27, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Yields of Bond Funds questions
Replies: 3
Views: 385

Re: [EU] Yields of Bond Funds questions

I like Morningstar to compare funds: if you know the isin you can find the funds quicly; for instance . What is the role of bonds in your portfolio? In this forum bonds are aften chosen as they provide stability to the portfolio, for growth and return we look at equity. There have been multiple EURO...
by BeBH65
Wed Apr 25, 2018 1:32 am
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4394

Re: Why are rising Bond Yields bad?

a) If the bond yield is rising, then why all VG bond mutual funds show -ve YTD ? Is it because the price of the bonds, within these funds is falling ? How this works ? b) How to read SEC yield ? If the rates are up, bonds should give better returns, right ? Is that reflective in SEC or YTD number ?...
by BeBH65
Fri Apr 20, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 33
Views: 3467

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

There are 3 levels of taxation: A- by the country of the asset B- by the country of the fund C- by your country as investor. Taxation is often levied on: - dividends: received or reinvested - capital gains - the transaction amount. You will need to check the % for the combinations that you are looki...
by BeBH65
Tue Apr 17, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 64
Views: 3891

Re: EXPAT: Strategy when invested in USA and spending in EUROS

Euro (government) bonds have currently a very low return, and do carry risk related to some countries. De to this, Euro investors are often advised on guys forum to invest in global bonds hedged to the Euro (addicts affect through diversification) or in government insured savings accounts (this addi...
by BeBH65
Mon Apr 16, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Total Return ETF ?
Replies: 11
Views: 1126

Re: S&P 500 Total Return ETF ?

Assumung you are not an US person. Suggest you put something like [france] to attract the experts to your thread. Please have a look at these wiki pages: https://www.bogleheads.org/wiki/Nonresident_alien_with_no_US_tax_treaty_%26_Irish_ETFs https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles...
by BeBH65
Sun Apr 15, 2018 1:34 am
Forum: Investing - Help with Personal Investments
Topic: How volatile could REITs be going forward?
Replies: 7
Views: 950

Re: How volatile could REITs be going forward?

Can you elaborate on this
delrinson wrote:
Sat Apr 14, 2018 7:51 am
..., while REITs have bond-like qualities, ....
by BeBH65
Sat Apr 07, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy foreign stocks under my own name (not under nominee/street name)?
Replies: 11
Views: 698

Re: How can I buy foreign stocks under my own name (not under nominee)?

Ok now i understand. This is about becoming the "registered holder" of your stock, directly in the companies share registry. This is then opposed to "in street name" that you mention. I understand that there are extra costs, and that you loose flexibility as well as transaction speed. Sorry cannot a...
by BeBH65
Sat Apr 07, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy foreign stocks under my own name (not under nominee/street name)?
Replies: 11
Views: 698

Re: How can I buy foreign stocks under my own name (not under nominee)? [Greece]

Never heard of anything like that. Would this be specific to Greece to avoid money leaving the country?

Would going through an international broker like Interactive Brokers (IB) work for you?
by BeBH65
Thu Apr 05, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: New iShares MSCI World Small Cap UCITS ETF, proposition for European 3/4-fund portfolio
Replies: 15
Views: 2395

Re: New iShares MSCI World Small Cap UCITS ETF, proposition for European 3/4-fund portfolio

Good news indeed.
I'll be monitoring this WSML fund to decide if it will replace my current small cap fund(s)