Search found 874 matches

by BeBH65
Sat Feb 17, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Help needed to choose Vanguard EU based ETFS
Replies: 18
Views: 847

Re: Help needed to choose Vanguard EU based ETFS

Is is a pitty for you as irish resident that you will not be able to buy us-domiciled funds anymore. I remember from a previous thread that Ireland domiciled funds are particularly bad for Irish residents as Ireland will tax you, which it does not do for other European residents. Have you looked at ...
by BeBH65
Sun Feb 11, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Can non US citizen create corporation in US to invest in vanguard
Replies: 39
Views: 3411

Re: Can non US citizen create corporation in US to invest in vanguard

Hi Neus, What you could do in your table is to put tax witholdings in sequence: - first there is the country of the asset that will withold its taxes before the dividends are passed to the funds. The % depends on the legislation in the country of the asset and any treaty of between the country of th...
by BeBH65
Tue Feb 06, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13510

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

In the past investments were often quoted with 3 numbers equity / bonds / cash . I have always felt that more numbers are needed to get the full picture: equity / bonds / cash / confirmed_pensions_and_SS / human_capital/real_estate . (*) I have not met anyone who is 100% in only 1 category. (*) mayb...
by BeBH65
Tue Feb 06, 2018 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance after today's drop?
Replies: 32
Views: 4354

Re: Rebalance after today's drop?

After yesterday's crash my AA went from 70-30 to 68,5-31,5. Is this enough to rebalance back to 70-30 (even if by doing so I'd incur in paying tax from the bonds I sell)? What does your personal investment plan say about rebalancing? How did you rebalance when the stock market was going upwards? No...
by BeBH65
Mon Feb 05, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing in SP500 ETF in EUR currency from Singapore as Spanish national
Replies: 3
Views: 220

Re: Investing in SP500 ETF in EUR currency from Singapore as Spanish national

Hello EuroNewbie, Welcome to the forum. The funds that you propose have good characterisics: non-US-domiciled, UCITS, ... I propose that you doublecheck that accumulating funds (that reinvest the dividend before taxation) is beneficial in Singapore. On the wiki we have a pages on international_domic...
by BeBH65
Sun Feb 04, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: There Is A Small Cap Value ETF For European Stocks
Replies: 4
Views: 376

Re: There Is A Small Cap Value ETF For European Stocks

Attention: 1. this is an irish domiciled fund. Not suitable for Us investors. 2. In its stylebox, Morningstar shows this fund as a mid-cap value fund. These are the actual numbers of the boxes. 00,00 00,25 00,25 26,67 26,86 17,59 15,14 09,68 02,94 This is consistent with all MSCI small-cap funds in ...
by BeBH65
Sun Feb 04, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

Hi, In our wiki you can find info on Base_currency_vs._trading_currency_vs._currency_of_the_underlying_asset . - Your choice of the trading currency determines if you will need to perform a currency exchange (with costs) before you invest. - Your broker will have different fees for different exchang...
by BeBH65
Sat Feb 03, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio in NYSE, moving (back) to Netherlands
Replies: 4
Views: 305

Re: Investment Portfolio in NYSE, moving (back) to Netherlands

Hello K.Atreides, We have a wiki page on investing from the netherlands . Actually the Netherlands seems to be one of the countries where it makes/made sense to hold Us-domiciled ETFs. It is unclear if this is influenced with the MIFID and other EU regulation that came into effect on Jan 1st. Anyway...
by BeBH65
Fri Jan 26, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

Mrpacman wrote:
Fri Jan 26, 2018 4:39 pm
Hi,
The above fund does not contain EM so you need to add that
@BeBh65: DBX1 is the fund for Emerging I include. what do you mean with it does not contain EM? This is the link to Morningstar
The above IWDA fund ..
by BeBH65
Fri Jan 26, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

I drop here an image with my analysis to kindly receive your feedback (if it is not clear I can send it to your email). The core fund will be IWDA. Then I added EMSV to gain EU exposure, EUSC to gain exposure to small caps but in the EU (that's where I live and work), DBX1 togain global emerging ex...
by BeBH65
Fri Jan 26, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: [EU] Help needed with European Bonds ETFs
Replies: 19
Views: 982

Re: [EU] Help needed with European Bonds ETFs

Hi RME, You indicate that you are limited in the choice of the bond Funds. Lets ahave a look at them: Please double check my statements as I am working from memory here. Please check the Expense Ratio's as well. Idealy the fund that you select should have an ER of 0.25% or less. On this site the Van...
by BeBH65
Thu Jan 25, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: [EU] Help needed with European Bonds ETFs
Replies: 19
Views: 982

Re: [EU] Help needed with European Bonds ETFs

Have you looked at the following Ishares bond ETFs?

IEAG: euro bonds aggregate
IEGA: Euro govt bonds
AGGH: global aggregate bonds hedged to euro?
by BeBH65
Wed Jan 24, 2018 2:41 am
Forum: Investing - Help with Personal Investments
Topic: Questions about 3 Fund, ETFs and Mutual Funds
Replies: 6
Views: 529

Re: Questions about 3 Fund, ETFs and Mutual Funds

Hi,

Welcome to to forum. With more info we would be able to help you better.

Please consider posting your portfolio using the format described in Asking_portfolio_questions
by BeBH65
Mon Jan 22, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Windfall Strategy
Replies: 7
Views: 1181

Re: Windfall Strategy

the wiki has an article on Prioritizing_investments that might be useful.
by BeBH65
Mon Jan 22, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 36
Views: 2846

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

For Europe you can go for IMAE - iShares MSCI Europe UCITS ETF EUR (Acc) - 444 stocks from all countries of Europe.
by BeBH65
Mon Jan 22, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: [Belgium] Comparing an ETF Index portfolio with a local fiscal pension fund
Replies: 4
Views: 610

Re: [Belgium] Comparing an ETF Index portfolio with a local fiscal pension fund

Interesting topic! Some thoughts: - I'm in a similar situation but decided to keep both the Argenta pensioenspaarfonds and ETFs (mostly accumulating Ishares Core as suggested by MarnixV). The reason for this is that it provides some diversification, whereas the return difference is relatively small...
by BeBH65
Sun Jan 21, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both
Replies: 36
Views: 2846

Re: Taxation for resident of Lithuania: US domiciled vs Irish domiciled ETFs - LTU has tax treaty with both

Hi, My tax situation is almost similar to discussed in this topic so I decided to ask questions here. I would like to make "buy and hold" investment (of a lump sum in USD, then invest periodically) to a number of diversified Ireland (non-US) ETFs via Interactive Brokers US. Questions: 1.Is there a ...
by BeBH65
Sun Jan 21, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: High Dividend Stocks as bond substitute?
Replies: 32
Views: 2185

Re: High dividend stocks as bond substitute?

Looking at the dividend kings, all have increased dividends over a very long time - 50 years it seems: https://www.suredividend.com/dividend-kings/ But there are some stocks in there which I think are going to struggle in the next few years like Procter & Gamble (PG). It's hard to imagine a big, bl...
by BeBH65
Thu Jan 18, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: MiFID II [European Union - Markets in Financial Instruments Directive]
Replies: 27
Views: 1815

Re: MiFID II [European Union - Markets in Financial Instruments Directive]

A dutch blogger did a lot of research and posted this : https://www.trackerbelegger.nl/wp-content/uploads/2015/09/Dividendlek_fondsen.png Which shows that Ireland based ETFs suffer major leakage So if the MIFID II forces EU citizens away from US based ETFs does that not mean that all EU countries t...
by BeBH65
Thu Jan 18, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 1677

Re: Investing Windfall (no country bias) [Non-US]

I was looking at iShares Dev Wld Idx (IE) Flex Acc USD, but I can't really tell what is the difference between that and IWDA. I can see mine isn't really listed as an ETF, but not sure if that is a problem in terms of volatility and return. IE00BD0NCN62 Seems to be a fund for institutionals : "The ...
by BeBH65
Wed Jan 17, 2018 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 1677

Re: Investing Windfall (no country bias) [Non-US]

Indeed the funds itself are subject to tax-legistlation of the country they are domiciled in; and you as investor are also subject to taxation in the country you "live in". Deciding on the actual funds is one of the last steps in the process: 0- Do you have an emergency fund? Have you set money asid...
by BeBH65
Tue Jan 16, 2018 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 1677

Re: Investing Windfall (no country bias) [non-US]

Be sure to read our wiki page Managing_a_windfall - key: Take your time; avoid immediate impulse decisions i As a non-Us investor there are specific caveats: please have a look at: Non Resident Alien Taxation Issues in our wiki. --> You most likely will want to avoid US-domiciled funds. I suggest th...
by BeBH65
Tue Jan 16, 2018 3:33 am
Forum: Investing - Help with Personal Investments
Topic: Please help me pick an ETF/portfiolo (Belgium).
Replies: 7
Views: 496

Re: Please help me pick an ETF/portfiolo.

Have your checked this Vanguard site for investors from Belgium? https://global.vanguard.com/portal/site/kiids/be/en/documents Unfortunately the Vanguard fonds are 1/ registered in Belgium and 2/ distribute dividends. This means: 1/ one would pay 1.32% transaction tax instead of 0,27%, and 2/ one w...
by BeBH65
Tue Jan 16, 2018 3:26 am
Forum: Investing - Help with Personal Investments
Topic: Please help me pick an ETF/portfiolo (Belgium).
Replies: 7
Views: 496

Re: Please help me pick an ETF/portfiolo (Belgium).

Hi. I'm 18 years old from Belgium and very new to this. Welcome to the forum. Don't hesitate to post follow-up questions. I have around €7k laying around right now which I want to invest. I would like to, once I have a job (in 4+ years), keep putting some money in investments every month. I've set ...
by BeBH65
Mon Jan 15, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Large Lump Sum and in my 30's .. How to invest in Ireland?
Replies: 14
Views: 1876

Re: Large Lump Sum and in my 30's .. How to invest in Ireland?

Hello BogleIreland, Welcome to this forum. You have already received a lot of good answers. Here is some additional/alternative input. 1. Was this lumpsum previously invested? or is is completely new money? 2. Are we talking about 1.5 Million? if yes, then this is likeley a lifechanging event take y...
by BeBH65
Wed Jan 10, 2018 4:36 am
Forum: Investing - Theory, News & General
Topic: How diversified are you really with cap weighted foreign markets?
Replies: 37
Views: 2085

Re: How diversified are you really with cap weighted foreign markets?

ResearchMed wrote:
Wed Jan 10, 2018 4:26 am
Thesaints wrote:
Wed Jan 10, 2018 4:08 am
Area is proportional to cap weight.
Right, but why the different shapes and vertical/horizontal placement?

RM
Compare it with a geographic map of the world.
by BeBH65
Tue Jan 02, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Portugal - Lost
Replies: 14
Views: 1672

Re: Investing in Portugal - Lost

Hello wec,

Welcome to the forum.

There have been a few threads on Portugal, but short ones: do a search for them in the search box; also search for other european countries.
Please read the wiki age on EU_investing; also look at the pages for the other countries - lots of info there.
by BeBH65
Sun Dec 17, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

Mrpacman wrote:
Sat Dec 16, 2017 6:13 pm
Do you guys know if there is any site where I add my funds and I get the Morningstar matrix (or similar) to analyze the resulting combination of assets?
Morningstar offers the possibilty to create a portfolio.
by BeBH65
Wed Dec 13, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

10% EU bonds - db x-trackers Eurozone Government Bond 3-5 UCITS ETF (DR) 1C (DBXQ) in general ok: Euro, govt, medium duration. Do check the number of assets in this though. % is low for a beginning investor. And what % are you currently getting on govt insured savings accounts. This might be a safe...
by BeBH65
Mon Dec 11, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Investing Dilemma [ex-pat wants to invest in US]
Replies: 1
Views: 175

Re: Investing Dilemma [ex-pat wants to invest in US]

Hello, Welcome to the forum. Investing via US-based funds might not be the best approach due to US-taxation rules (e.g. your dividend at 30% ) Please have a look at the taxation section in Outline_of_international_domiciles This part of our wiki also has pages for several countries. Even if your cou...
by BeBH65
Sun Dec 10, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 2nd draft of my portfolio to evaluation [feedback please] [Europe]

Hi pacman, You have already received many good comments. Here are some additional remarks. 10% EU bonds - db x-trackers Eurozone Government Bond 3-5 UCITS ETF (DR) 1C (DBXQ) in general ok: Euro, govt, medium duration. Do check the number of assets in this though. % is low for a beginning investor. A...
by BeBH65
Thu Dec 07, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Non-US domiciled funds that trade in USD
Replies: 8
Views: 791

Re: Non-US domiciled funds that trade in USD

Hello, Many provider of non-US domiciled ETF have USD versions of their funds. You can look at the websties of the providers, or also on sites like https://www.justetf.com/uk/ or morningstar. Please note that sometimes the ISIN code or the ticker are different, altought the name of the fund is the s...
by BeBH65
Tue Dec 05, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for europeans?
Replies: 13
Views: 1269

Re: 3 fund portfolio for europeans?

Please have a careful look at the "investing from the Netherlands" page mentioned above it adresses the particular case for Dutch investors, both for the "equity for growth" as well as the "bonds and cash for stability". For the bonds/cash portion, please also have a look at the forum for the discus...
by BeBH65
Mon Nov 20, 2017 5:45 am
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 48
Views: 2699

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

Hello MRPacman, Welcome to the forum. You have already received some goood answers. While the forum is US focussed, there are many people from the rest of the world as well. A lot depends on your country and its tax regime; in which country are you domiciled? How does your coutnry tax accumulated di...
by BeBH65
Tue Nov 07, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 989

Re: Three-fund portfolio investing from Europe

The full list of EU countries in which global Vanguard entities operate is here . In certain countries Vanguard commercializes both Mutual funds and ETFs, in certain countries not. For instance in Belgium it only commercialises certain* (UCITS) ETFs. I can understand that since Mutual Funds in Belg...
by BeBH65
Tue Nov 07, 2017 5:02 am
Forum: Investing - Theory, News & General
Topic: TER of ETF misleading??
Replies: 8
Views: 876

Re: TER of ETF misleading??

Dear alpine_boglehead, sorry for my mistakes. Now I think you were righter in some calculations. This is very correct: L1WT 12% of 2.4%, i.e. 28,8 basis points Tracking error of 5,6 basis points Expense ratio of 25 basis points Which gets you a total cost of 59,4 basis points Dividends then should ...
by BeBH65
Tue Nov 07, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Three-fund portfolio investing from Europe
Replies: 11
Views: 989

Re: Three-fund portfolio investing from Europe

- have you looked at the Vanguard ETFs like vanguard FTSE all world]?
- have a look at our wiki pages on international domiciles? Maybe you can get more inspiration there?
- in which country will you be living? Every country has a slightly different tax laws.
by BeBH65
Fri Nov 03, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio check; European, long term investment
Replies: 8
Views: 771

Re: Portfolio check; European, long term investment

Hi, Have a look at this article on our wiki Lumpsum vs Dollar_cost_averaging . The answer depends on the degree to which you are willing to accept lower expected returns in exchange for lower potential losses (aversion to possible loss). ... Note that higher expected returns do not guarantee that yo...
by BeBH65
Fri Nov 03, 2017 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3681

Re: Should I invest my emergency fund?

Hello Frankie,

Welcome to the forum.

Please have a look at our wiki page on energency funds
by BeBH65
Thu Nov 02, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio check; European, long term investment
Replies: 8
Views: 771

Re: Portfolio check; European, long term investment

Hello Bonobo, Welcome to the forum. from your opening post it is clear that you have already well analysed the situation. You have alsoe received good feedback in the other answers. Hello everyone, First of all, I'm grateful for all the valuable information you guys have put up, the wiki has been su...
by BeBH65
Mon Oct 30, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: USD portfolio planning from the EU (Hungary)
Replies: 3
Views: 301

Re: USD portfolio planning from the EU (Hungary)

This certainly is a sensible plan.


The currency risk is linked to the currency of the underlying Assets; for IWDA 55% usd, 8% jpy, ... Etc
Buying the funds in the usd version avoids the currency conversion charges.
by BeBH65
Sat Oct 28, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: TER of ETF misleading??
Replies: 8
Views: 876

Re: TER of ETF misleading??

Hello miuko, Welcome the forum. Your observation is valid for all funds, not only the etf's. - Also have a look at Exchange-traded_fund#Costs - Also take into aacount that the funds will pay transaction costs when they buy stocks. Luckily for index funds this is a lot more limited then active funds ...
by BeBH65
Sat Oct 28, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating VTSAX:VGTSX 75:25
Replies: 3
Views: 494

Re: Approximating VTSAX:VGTSX 75:25

The % tend to vary a bit over time. No reason to be to picky about it.
You could go with: 60, 5, 10, 25.
by BeBH65
Sat Oct 28, 2017 1:54 am
Forum: Investing - Help with Personal Investments
Topic: Market Crash Defensive Portfolio
Replies: 30
Views: 4206

Re: Market Crash Defensive Portfolio

Hello RockyBalboaWin, Welcome to the forum. Looks like you have already done a lot of investigation. Please also consider the links to the boglehead wiki that you received. They will provide you to a lot of information. I especially like investing_start-up_kit . Come back here for additional informa...
by BeBH65
Thu Oct 26, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Currency Question - UK vs USA (phrased better :-))
Replies: 6
Views: 617

Re: Currency Question - UK vs USA (phrased better :-))

Hello SmilerUK, I think you will need to phrase this statement Obviously, on average, equities return 6% per year in the long term. 1/ you need to put the verb in the past tense: returned . 2/ then you need to specify which equities you are refering to: the US total market, the European small caps, ...
by BeBH65
Tue Oct 24, 2017 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]
Replies: 8
Views: 515

Re: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]

Do you know which other EU countries do not tax capital gains besides Belgium? Can't help you there. On the web there are a few documents form PWC, Deloitte, KPMG that give a summary of taxation per country. Good Luck. Just a note: it is not because we do not pay a capital gains tax in Belgium, tha...
by BeBH65
Tue Oct 24, 2017 2:44 am
Forum: Investing - Help with Personal Investments
Topic: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]
Replies: 8
Views: 515

Re: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]

Well, now I understand why accumulating funds are so popular in Europe. I was leaning towards distributing ETFs because I need the dividends to pay for my living expenses. I don't feel comfortable with accumulation units because selling shares of an ETF involves paying broker commissions plus there...
by BeBH65
Mon Oct 23, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]
Replies: 8
Views: 515

Re: Tax credit against taxes paid internally by Irish distributing ETFs? [Europe]

I don't think this is possible. Just imagine the reporting the fund would need to do to keep track of each dividend the fund received at which date and how much tax the fund paid and then report this back to the investor for the number of shares (s)he held at that time. Actually in some cases it is ...