Search found 18 matches

by brXrfeu
Fri Jan 10, 2020 4:40 am
Forum: Non-US Investing
Topic: [Non-Resident Alien investor (Brazil) – Portfolio Advice Requested]
Replies: 15
Views: 709

Re: [Non-Resident Alien investor (Brazil) – Portfolio Advice Requested]

I chose not to go with the local option for the following reasons: Lack of funds to invest in an all world portfolio. Currently the only option available is too US centric for my preference. Ongoing BRL Devaluation against the Dollar Lack of expert advice on BR domiciled assets I feel what I do is s...
by brXrfeu
Mon Dec 31, 2018 7:54 am
Forum: Non-US Investing
Topic: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed
Replies: 13
Views: 1825

Re: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed

Don’t you have to file taxes if you own accumulating etf. No. Per Brazilian tax rules, I owe NO tax for accumulating ETFs unless I realize capital gains. Note that I do have to declare my assets abroad, which is mandatory if ones net-worth is over 100k USD. The etf pays taxes internally. So don’t y...
by brXrfeu
Wed May 17, 2017 4:35 am
Forum: Non-US Investing
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 3156

Re: Bond ETFs that accumulate earnings vs. distributing

.. What I am trying to say with this example is that the bond fund is supposed to be the more stable part of a portfolio, so what is the point of an accumulating bond ETF is the coupons paid to you are going to fluctuate along with the bond prices? Take a look at this junk bond ETF from iShares for...
by brXrfeu
Tue May 16, 2017 6:07 pm
Forum: Non-US Investing
Topic: Bond ETFs that accumulate earnings vs. distributing
Replies: 15
Views: 3156

Re: Bond ETFs that accumulate earnings vs. distributing

@Gaucho I am based in South America so I will be using the Ireland domiciled ETFs from iShares. I..However, this question is not about taxing but.. ..I am obviously missing something here because otherwise iShares wouldn't be offering accumulating bond ETFs.. Your last statement contradicts the firs...
by brXrfeu
Sun May 07, 2017 9:31 am
Forum: Personal Investments
Topic: [European investor] CSPX or IWDA?
Replies: 6
Views: 2223

Re: [European investor] CSPX or IWDA?

In last 40years US small cap value has outpreform sp500, so why you do not invest all money in US small cap value? We do not know what will be in next 40 years, but IWDA cover develope markets(europe,japan,australia,north america), while sp500cover only USA. In next 40years we will see which choice...
by brXrfeu
Sat May 06, 2017 7:46 am
Forum: Non-US Investing
Topic: Global portfolio with factor exposure for european investors: is it worth it?
Replies: 10
Views: 2305

Re: Global portfolio with factor exposure for european investors: is it worth it?

Hey Fabio, Thank you for putting this togather. I am interested to see what other more experienced bogleheads have to say about the various portfolio options you have presented. Portfolio 1) Simple Market cap 85% World index + 15% Emerging Market (usually iShares Core MSCI World, ticker SWDA/IWDA + ...
by brXrfeu
Tue May 02, 2017 8:13 pm
Forum: Non-US Investing
Topic: Need help investing from India
Replies: 7
Views: 1991

Re: Need help investing from India

This is an old post. Ill reply for anyone in a similar situation. 1 A_C_E's friend could invest in Senior Citizen Saving Schemes People above 60 years of age can invest in Senior Citizen Saving Schemes that currently yields about 8.40%. The present rate of inflation in India is 3.81%. Since 2014, th...
by brXrfeu
Sat Apr 29, 2017 7:39 am
Forum: Non-US Investing
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 1420

Re: Best NRA non US tax treaty Accumulating Bond ETF?

BeBH65 wrote:
brXrfeu wrote:@BeBH65,
Thank you for taking time to analyze my situation and asking very pertinent questions.
one of the goals of my questions is to make you reflect and ot ensure that you are not missing something. You seem to be doing good.
Thanks @BeBH65. Its reassuring :sharebeer
by brXrfeu
Sun Apr 23, 2017 7:34 pm
Forum: Non-US Investing
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 1420

Re: Best NRA non US tax treaty Accumulating Bond ETF?

@BeBH65, Thank you for taking time to analyze my situation and asking very pertinent questions. My responses below. Ive detailed my story here in this post - https://www.bogleheads.org/forum/viewtopic.php?f=1&t=199713&p=3056411#p3056411 And would love to hear your thoughts on my overall strategy. wh...
by brXrfeu
Fri Apr 21, 2017 7:35 am
Forum: Non-US Investing
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 1420

Re: Best NRA non US tax treaty Accumulating Bond ETF?

Hey BeBH65 - Thank you for your response. Ive detailed my story here in this post - https://www.bogleheads.org/forum/viewtopic.php?f=1&t=199713&p=3056411#p3056411 And would love to hear your thoughts on my overall strategy. To briefly summarize, I am a Brazilian resident who earns in BRL and wishes ...
by brXrfeu
Sun Apr 16, 2017 9:31 pm
Forum: Non-US Investing
Topic: Best NRA non US tax treaty Accumulating Bond ETF?
Replies: 6
Views: 1420

Best NRA non US tax treaty Accumulating Bond ETF?

Hello Bogleheads! iShares has just launched an accumulating version of the US Aggregate Bond fund domiciled in Ireland with an expense ratio of 0.25%. IUAA : https://www.ishares.com/uk/individual/en/products/287339/ishares-us-aggregate-bond-ucits-etf-usd-(acc)-fund Being a resident of a country with...
by brXrfeu
Sun Apr 16, 2017 9:07 pm
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 4929

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

IShares has recently launched the accumulating version of SUAG. This is good news for those of us non us-tax treaty NRAs who need to use accumulating Bond ETFs for tax purposes.
https://www.ishares.com/uk/individual/e ... (acc)-fund
by brXrfeu
Sat Feb 11, 2017 6:48 pm
Forum: Non-US Investing
Topic: [Europe] Accumulating vs Distributing ETFs
Replies: 97
Views: 12304

Re: [Europe] Accumulating vs Distributing ETFs

Hi Xrfeu, good to meet another Brazilian investor here. We can share some opinions about it. If you can, please tell me your portfolio in ETF. this That would be great frombrazil2world . I have an open thread on my portfolio here https://www.bogleheads.org/forum/viewtopic.php?f=1&t=199713&p=3056411...
by brXrfeu
Sat Feb 11, 2017 3:33 pm
Forum: Non-US Investing
Topic: [Europe] Accumulating vs Distributing ETFs
Replies: 97
Views: 12304

Re: [Europe] Accumulating vs Distributing ETFs

Read it and now it´s clear. In my case is better invest in Ireland cause Brazil doesn't has a treat with US and I have to pay 27,5% in my country on dividends. And on CGT I only pay if I sell more than 35k of my currency per month (about 10k €). I´m thinking in buy IWDA and maybe some emerging and ...
by brXrfeu
Sun Sep 18, 2016 5:59 am
Forum: Non-US Investing
Topic: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed
Replies: 13
Views: 1825

Re: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed

Thank you for the explanation TedSwippet. I understand now :beer (*) Although if you do have to buy/sell with something other than the BRL you will want to get the best forex rate into whatever currency you're going to trade in, and that might drive your choice of trading currency. I would guess at ...
by brXrfeu
Sat Sep 17, 2016 6:52 pm
Forum: Non-US Investing
Topic: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed
Replies: 13
Views: 1825

Re: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed

Thanks for replying Galeno. Being a resident in a country with no TAX treaty with US/Ireland and that levies taxes on foreign income at progressive rates, I don't think income distributing ETFs are a good option for me. Also owning such ETFs would require me to file taxes in advance year round, whic...
by brXrfeu
Sat Sep 17, 2016 2:50 pm
Forum: Non-US Investing
Topic: Non-Resident Alien investor (Brazil) – Portfolio Advice Needed
Replies: 13
Views: 1825

Non-Resident Alien investor (Brazil) – Portfolio Advice Needed

Dear Bogleheads, I can not thank you enough for this forum :beer . It has taken me about 2 months to wrap my head around the concepts discussed here and has been a tremendous learning experience. I owe it all to this community. I am a 30 yo international investor - Indian Citizen and Brazil long ter...