Search found 13 matches

by Atomium
Sun Jun 05, 2016 3:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard created Irish bond ETFs with low ER. How can we use them?
Replies: 17
Views: 2631

Re: Vanguard created Irish bond ETFs with low ER. How can we use them?

2) If the dividend is accumultated you don't pay the italian 26% tax on dividends at all and there are no brokerage commissions needed to reinvest the dividends as they are already reinvested. At some point you will have to eventually pay the 26% tax on capital gains on the total accumulated amount...
by Atomium
Sun Jun 05, 2016 3:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in Belgium
Replies: 22
Views: 4027

Re: Vanguard funds in Belgium

I was going to post the same thing as above ^.
Zeer jammer that they still don't offer accumulating ETF's of popular indexes
by Atomium
Sun Aug 30, 2015 2:45 am
Forum: Investing - Help with Personal Investments
Topic: Low-cost Indexing versus Real Estate Investing
Replies: 17
Views: 3594

Re: Low-cost Indexing versus Real Estate Investing

The 7% ROI is rent seems (quite) high, where I live (Belgium) it's around 3 - 3.5% yield. A property of 200.000 can be rent out for 550/month Wouldn't it be cheaper for everyone to just pay of a mortgage in stead of renting? Because the interest rates now are historically low, I would suspect that t...
by Atomium
Sat Aug 29, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Net total return vs. gross total return - a fallacy?
Replies: 26
Views: 38819

Re: Net total return vs. gross total return - a fallacy?

The ETF issuer itself does not receive extra profit if the fund outperforms its index, likewise if it underperforms (the issuer's compensation is included in the total expense ratio). You are right, my statement about them earning extra profit is incorrect. It remains strange though that a syntheti...
by Atomium
Fri Aug 28, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Stock inheritance
Replies: 32
Views: 3747

Re: Stock inheritance

Another 3 years later, to compare Merck vs VTI starting 12 July 2012, and now.
Image
by Atomium
Fri Aug 28, 2015 3:03 pm
Forum: Investing - Theory, News & General
Topic: Net total return vs. gross total return - a fallacy?
Replies: 26
Views: 38819

Re: Net total return vs. gross total return - a fallacy?

But those ETFs/index funds who invest in foreign stocks (foreign = relative to the domicile of the fund) usually track the net total return indexes. Isn't it a fallacy? 1) Bogleheads' goal is to capture the whole market return, after all taxes and expenses. The whole market return is the Gross tota...
by Atomium
Fri Aug 28, 2015 6:42 am
Forum: Investing - Help with Personal Investments
Topic: A European with only EUR investments - big mistake?
Replies: 9
Views: 1114

Re: A European with only EUR investments - big mistake?

My personal investments (not linked to e.g. corporate retirement funds where I unfortunately have no say) are rebalanced over 2 funds: :arrow: 61.8% in iShares Core Euro Corporate Bond - TER 0.20% - no capital gains tax - 25% tax on dividends - 0.09% tax on buying/selling :arrow: 38.2% in iShares E...
by Atomium
Thu Aug 27, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: How to be a Boglehead in Germany
Replies: 28
Views: 9987

Re: How to be a Boglehead in Germany

Even though I think it is not possible to replicate a true boglehead approach here in the United States of Europe, because of the double-taxation over dividends (unless you're an Irish or UK resident), I would advice you to look to my post in another topic: http://www.bogleheads.org/forum/viewtopic...
by Atomium
Thu Aug 27, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is an accumulating fund subject to Dividend Withholding Tax?
Replies: 5
Views: 1119

Re: Is an accumulating fund subject to Dividend Withholding Tax?

I find it very strange there's so little information too find about how much net dividends an ETF receives. Most charts and reports show the total returns, but it's unclear what tax rate they are using; I guess it depends
by Atomium
Thu Aug 27, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rate or slate my investment policy!
Replies: 7
Views: 1194

Re: Rate or slate my investment policy!

Part of the problem with coming up with a historic average is that you just can't do an arithmetic average for each year. (Are you going to use calendar years, or July to June years, or your birthday years?) As an example, if one year there is a loss of 50% followed by a year where the market doubl...
by Atomium
Thu Aug 27, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is an accumulating fund subject to Dividend Withholding Tax?
Replies: 5
Views: 1119

Re: Is an accumulating fund subject to Dividend Withholding Tax?

Did you ever find a good answer to this? I am asking the same question: how is dividend taxed that is received by/in an accumulating ETF.
All topics seem to be about the taxes on the dividend paid by the ETF, but I am wondering how the dividend the ETF receives is taxed.
by Atomium
Mon Jul 06, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Pls challenge my One ETF approach - Belgium
Replies: 5
Views: 1061

Re: Pls challenge my One ETF approach - Belgium

For now, I go for Ishares IWDA because 1- capitalizes, and capital gains are not yet taxed in Belgium 2- lists in EUR You can buy IWDA in EUR, but the underlying currency of the EFT is still USD. I am saying this because a lot of people tend to think they are immune for currency risks " because the...