Search found 95 matches

by Znarr
Tue Apr 08, 2014 11:11 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@bpp - no worries about SBI. It was just something I was hoping to be able to do before I leave at the end of the month, but now I'll wait till my SO is back before trying again (probably sometime in November). Unless you know of any brokers in Japan that can offer english assistance when creating a...
by Znarr
Tue Apr 08, 2014 9:04 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@bpp and @karamatsu - sorry for the long delay in responses, got tied up with work :( Just an update on my attempts to open a NISA - no luck. I mentioned previously that I had applied to SBI, but decided to talk to the compliance person in my company "just in case", and it turns out it was good that...
by Znarr
Thu Mar 27, 2014 3:31 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

Sigh.. Ok, I'll log on to the pension site when I get home tonight and take a look. I never received any paper statements whatsoever in the past 3 years, but at least I can figure out how much I put in every year (for 2012 and 2013 is easy, just 25,000 x 12). I'm not sure if I'll be able to determin...
by Znarr
Wed Mar 26, 2014 11:35 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@bpp - the problem is that I have no idea how to go about starting this. It's not like with Vanguard, where I get statements that I can refer to when I file my usual US tax returns. When I chose the 2 funds for my company's "defined contribution" pension plan in 2011, I just chose the 2 funds with t...
by Znarr
Wed Mar 26, 2014 9:47 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@Karamatsu - not at all! Even though it's complicated (at least for me anyway), information is always good. At least I can now make a conscious decision as to whether or not to avoid PFIC stocks, as opposed to buying willy-nilly and then stressing out over it later. One thing (and maybe this has alr...
by Znarr
Tue Mar 25, 2014 10:10 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@Karamatsu, I reached out to the HR section of my company on Monday, asked for information about the funds, and asked if they had any advice regarding PFIC. I expected there would be some advice since it is an international company, with a number of non-Japanese working here. However, it seems that ...
by Znarr
Mon Mar 24, 2014 6:26 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@karamatsu - one thing I'm not clear on; do unrealized gains in a PFIC get taxed? (I'm guessing yes)
If yes, can one be exempt from paying said taxes if total income + total of unrealized gains = less than FEIE (it was $92,900 in 2011, and I've always been well below that).
by Znarr
Mon Mar 24, 2014 1:38 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

Thanks @Karamatsu - hope you had a good weekend too :) I'll admit to hopping on the boards on Sunday night to see what had been written, but I didn't feel like thinking about taxes, so I left pretty fast :wink: Regarding the equity fund... I'll have to see what I can do... Like I mentioned before th...
by Znarr
Sat Mar 22, 2014 10:58 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@Karamatsu - taxes in general make me dizzy :( I've been trying to read about PFIC rules, mark-to-market, and just generally investing, and my brain feels about fried. It's in English, but I just can't seem to make sense of it all. How the H-E-doublehockeysticks are "normal" people supposed to under...
by Znarr
Fri Mar 21, 2014 4:49 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@Karamatsu - your post is making my head spin! I have no idea what "mark-to-market" is, and what I looked it up on http://www.irs.gov/taxtopics/tc429.html , I get: the tax treatment of sales of securities held in connection with a trading business depends on whether a trader has previously made an e...
by Znarr
Thu Mar 20, 2014 11:51 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

Thanks again @bpp and apologies for the late reply - was out all day attending an event and just got back >_< I will definitely do a bit of shopping around, but will have to involve my SO with this for Japanese assistance. However, since she knows even less than I do about investing (and honestly, h...
by Znarr
Wed Mar 19, 2014 5:05 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@bpp - you are certainly a wealth of information when it comes to tax questions for US folks in Japan! You're not a tax advisor that I can hire by any chance are you? ;) Your post has given me a number of additional questions though - the more I learn, the less I feel I know :( You'd have to either ...
by Znarr
Tue Mar 18, 2014 10:59 pm
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@bpp, I hadn't realized you were also in Japan :) I realize that my next question may fall out of your area of knowledge, but what are your thoughts regarding the implications for a dual-citizen? I'm a Japanese-American, and (according to a lawyer I consulted when I first came to Tokyo about 10+ yea...
by Znarr
Tue Mar 18, 2014 3:31 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@ Laura , thanks for pointing out that the VTIVX contains all the elements of the "3 Fund Portfolio". I guess it wouldn't make much sense for me to buy separately into the 3 funds (especially as I assume I'll be incurring additional expenses/fees for each of them). So for now, I'll stick with what I...
by Znarr
Mon Mar 17, 2014 5:06 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Re: Overseas, already in VTIVX: "3 Fund Portfolio" worth try

@Karamatsu - thanks! It's nice to see the the forums are still as friendly and informative as ever! Do you have any ties with Japan? Kara = spicy & "matsu" = pine in Japanese, so was just curious :) To answer your question, the funds in my 401k-equivalent that I'm paying into are international and J...
by Znarr
Mon Mar 17, 2014 3:12 am
Forum: Personal Investments
Topic: Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?
Replies: 49
Views: 4843

Overseas, already in VTIVX: "3 Fund Portfolio" worth trying?

Hello all, It's been a very long time since I've visited the boards - haven't really thought much about my finances since my last post several ago(!), just been doing the regular DCA into my Vanguard retirement fund. Ironically (since I know that all the volatility and speculation involved is very u...
by Znarr
Tue Jun 21, 2011 6:21 pm
Forum: Personal Consumer Issues
Topic: First time trip to Europe
Replies: 48
Views: 5295

I'm sorry I completely dropped out of my own thread, things have just been a little hectic at work :( Thank you again for all your tips/suggestions/advice - I'm going to start looking this weekend at costs for the trip (I'm pretty much settled on the Czech Republic and Italy as my destinations), so ...
by Znarr
Mon May 30, 2011 11:31 pm
Forum: Personal Consumer Issues
Topic: First time trip to Europe
Replies: 48
Views: 5295

You guys are awesome - so many responses and advice! :) I will settle for 2 countries. It is supposed to be a VACATION after all, and scrambling about trying to make trains/planes wouldn't be too restful. The Czech republic is going to be one country for sure, and I'm trying to decide on the second....
by Znarr
Fri May 27, 2011 9:59 am
Forum: Personal Consumer Issues
Topic: First time trip to Europe
Replies: 48
Views: 5295

Wow, I hadn't expected this many replies so fast! I've just skimmed through all your responses (haven't checked links yet) and will go over your suggestions more carefully over the weekend (it's just about midnight here and I'm getting ready to hit the sack). The overall feeling I'm getting though, ...
by Znarr
Fri May 27, 2011 4:55 am
Forum: Personal Consumer Issues
Topic: First time trip to Europe
Replies: 48
Views: 5295

First time trip to Europe

Hello all, I’m saving up to (hopefully) take a trip to Europe come September. This will be the first time for me to go there, and I wondered if anyone had any thoughts/tips they could share. Goals : I don’t have any particular goal in mind. I’ve recently been bitten by the photography bug, so I’d mo...
by Znarr
Fri May 27, 2011 2:44 am
Forum: Personal Consumer Issues
Topic: Anyone do T'ai Chi?
Replies: 10
Views: 1657

Have been doing tai chi (Yang 24) on and off for the past couple years, very slow going because I haven't been the most dedicated of students, but I'm glad I'm doing it whenever I can as it is mentally very relaxing. I had previously done other martial arts (Taekwondo and Hapkido) many years ago, an...
by Znarr
Mon May 23, 2011 10:28 pm
Forum: Personal Consumer Issues
Topic: Any Barefoot Runners
Replies: 128
Views: 17693

Znarr congrats on completing the run! Great that you have no knee pain! I had my first mistake over the weekend. I've been running barefoot for three weeks now and I'm up to a 1/2 mile. Up until Saturday and I had run on the same roads/pavement. I ran Saturday in a different neighborhood and the ro...
by Znarr
Mon May 23, 2011 11:20 am
Forum: Personal Consumer Issues
Topic: Any Barefoot Runners
Replies: 128
Views: 17693

Just jumping in here - I had to comment because I just finished a half marathon yesterday in Vibram FF :) I hadn't intended to run the marathon, but a coworker came up to me 2 weeks ago saying that he was going to miss out on a marathon he had signed up for (he had to go on an unexpected business tr...
by Znarr
Sun May 22, 2011 7:12 pm
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

You could add just enough of the Japan fund matching TOPIX to the TOK fund make an all world equities. Yes, I think that's what I'll go for. Hopefully the additional ER won't wipe out any gains. I'll try it for a while, and if it doesn't seem worth it, I'll just go 100% TOK. Thanks for all your inp...
by Znarr
Fri May 20, 2011 10:06 am
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

I like the TOK fund as well based on these reasons. Also should be easy to track how the fund is doing and based on the $250 per month employer contribution you should have a good idea of the accounts worth. What is the vesting period, is it instant? No, one has to have participated for a minimum o...
by Znarr
Thu May 19, 2011 10:54 pm
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

Until the ongoing Fukushima nightmare is over do any of us really know? I know... but at the same time I feel that things can't get much worse - or maybe that's just the optimist in me :( @ robolove Ordinarily I would agree, but this new plan is something that all employees will participate in. If ...
by Znarr
Thu May 19, 2011 10:13 pm
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

You probably are already invested in Japan: job, other savings, other investments. That TOK fund is essentially a low-cost passively-managed index fund that covers equities. You can get fixed income in your other accounts. Thanks livesoft. I don't have any other investments, but I see what you mean...
by Znarr
Thu May 19, 2011 7:01 pm
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

Do you intend to stay in Japan through retirement? At $250 a month, this is not much money. Personally, I would put it all (100%) into just SS Global Equity Index Open @ 0.2625% ER in order to not be invested in Japan. You can adjust your other assets around this easily. Honestly, I don't know what...
by Znarr
Thu May 19, 2011 4:14 am
Forum: Personal Investments
Topic: New pension plan (similar to 401k, except in JP)
Replies: 11
Views: 1505

New pension plan (similar to 401k, except in JP)

Hello All, My company has just initiated a pension plan for employees where we have the option of choosing which funds to invest in (apparently it’s akin to a Japanese 401k) From what I understand, this is essentially “free” money, tax free (going in – there will be taxation at withdrawal), and is t...
by Znarr
Sun Jan 03, 2010 10:30 pm
Forum: Personal Consumer Issues
Topic: 2010 BOGLEHEAD CONTEST REGISTRATION
Replies: 284
Views: 34205

1222 says my crystal ball! ;)
by Znarr
Sun Dec 06, 2009 7:49 pm
Forum: Personal Investments
Topic: Investing advice for mother (currently only in TSP)
Replies: 30
Views: 4115

Thanks Laura :) Duke, appreciate the info (good to know for reference purposes) but I'll still go with Laura's suggestion since there is still a hefty time gap and given that my mother doesn't have too much longer before retirement, I'd rather she take as much advantage of what is available to her n...
by Znarr
Sun Dec 06, 2009 7:33 pm
Forum: Personal Investments
Topic: Investing advice for mother (currently only in TSP)
Replies: 30
Views: 4115

Hi Duke, Looks like you're right, a Google search brought up the following: www.tsp.gov/forms/oc06-5.pdf However, that states that it would start from 2011... Hmm.. so, given that it would be at least a year until the changes are put into effect, she would miss out on at least 2 years of contributio...
by Znarr
Sun Dec 06, 2009 6:30 pm
Forum: Personal Investments
Topic: Investing advice for mother (currently only in TSP)
Replies: 30
Views: 4115

Oh! I didn't realize that and will mention that to her as well. Hopefully she can put in the max 6K into a Roth and still have more to contribute into the TSP.

Again, thanks and I'm sure I'll be back later to do another checkup :)
by Znarr
Sun Dec 06, 2009 6:20 pm
Forum: Personal Investments
Topic: Investing advice for mother (currently only in TSP)
Replies: 30
Views: 4115

Laura, you're awesome! :) Thanks for the super fast response - I'll contact her today and see how she feels about things. I think she'll be perfectly willing to proceed with maxing out the Roth (I think she can also join the "catch-up" phase and contribute up to 6K per year), and then putting in wha...
by Znarr
Sun Dec 06, 2009 5:52 pm
Forum: Personal Investments
Topic: Investing advice for mother (currently only in TSP)
Replies: 30
Views: 4115

Followup!

Hello all, Not sure if I should create a new thread when following up on previous questions, but I thought I would just add on to this old thread for reference purposes. If creating a new thread is better, let me know and I will do so. As mentioned, this is mostly a follow up on the original questio...
by Znarr
Mon Nov 02, 2009 3:23 am
Forum: Investing - Theory, News & General
Topic: Supreme Court Case On Mutual Fund Fees
Replies: 9
Views: 2129

Another related article, this time via Bloomberg.com

http://www.bloomberg.com/apps/news?pid= ... oo28&pos=7
by Znarr
Wed Jun 10, 2009 7:50 pm
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

*thrashes wildly* *tries to settle down, but still twitching* :oops: Thanks bpp and YDNAL - I guess my gut reaction was "oh crap, I did something wrong!" and immediately scrambled to see if I could change again. My problem is that... I take things too literally, especially when it comes to advice ab...
by Znarr
Tue Jun 09, 2009 7:54 pm
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

Ah.. I guess I see what YDNAL was referring to in terms of allocation :oops: Well, my transfer from VTSMX to TR2045 is still pending, so I'll have to wait till that is completed - then I'll have to see if I can immediately do another transfer or if there is a waiting period... For the short term tho...
by Znarr
Tue Jun 09, 2009 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to start my life out right from the beginning.
Replies: 16
Views: 2603

Re: Thank you

I have talk to her about saving and so forth and she lives in the world of you might die tomorrow attitude so why save it. She makes more then I do and has just really started getting her life all set car paid off ETC.. She is 4 years older then me but I disregard her thoughts and am going to stick...
by Znarr
Tue Jun 09, 2009 6:41 pm
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

Hi YDNAL, Thanks for your input on this. The biggest difficulty with that allocation approach is just that... I can't afford it yet. As of the end of this month I'll have about $8,000-$8,500 available and the minimums (as I'm sure you know) are $3,000 for each of the funds. I'll definitely keep savi...
by Znarr
Tue Jun 09, 2009 10:04 am
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

Hi Laura, Thanks for the advice - I've gone ahead and used all my VTSMX shares to buy into TR2045. It was remarkably simple to do! Robolove, sorry I had missed your post earlier on. Regarding my short term investment goals... I don't really have any. I wish there were some local banks that offered b...
by Znarr
Mon Jun 08, 2009 6:17 pm
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

Hi Laura, Thanks again for replying! (you once answered a question I had regarding my mother's investment possibilities). :) I'm a US citizen (dual, Japanese-American) so I'm never going to discount the possibility of one day moving to the States. However, it's not going to be anytime soon unless so...
by Znarr
Mon Jun 08, 2009 1:21 am
Forum: Personal Investments
Topic: Quick checkup :)
Replies: 13
Views: 2373

Quick checkup :)

Hello All, Some months back I posted asking for advice on starting investing and was told that VTSMX would be a good way to begin and that's what I did. Being overseas, I'm not eligible for an IRA (really wish I was though!) so I'm looking at investments that are sensible for the long term (thinking...
by Znarr
Fri Apr 24, 2009 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Advices please... wife diagnosed with cancer
Replies: 31
Views: 9148

AQ, I'm so sorry for you and your wife and I just hope and pray for the best for the both of you. To be entirely honest, I looked at your subject line and literally flinched - I considered just ignoring it and pretending I never saw it. My grandmother passed away from brain cancer, my significant ot...
by Znarr
Wed Mar 11, 2009 7:32 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

Guide to Buying Property in Japan: http://www.realestate-tokyo.com/sale/guide/ Buying a Home in Japan: http://findarticles.com/p/arti...._n26758713 Writeups of various foreigners who have purchased housing: http://www.japaninc.com/mgz_su....g_in_japan Lots of information... I'm always one for more ...
by Znarr
Tue Mar 10, 2009 11:51 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

Thanks for the links and thoughts Longjohn - for a pirate, you're full of useful info :) I will be going about this weekend to a couple of agencies with a friend and seeing what options are available. If I can find some places with low/no deposit and a reasonable cost, as you say, buying could be co...
by Znarr
Tue Mar 10, 2009 8:08 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

Longjohn, it looks like you've been exploring this for quite a while - thanks for the input as it's good to hear the experiences of a non-Japanese (I may qualify as Japanese according to my passport, but not speaking the language effectively makes me a foreigner - maybe I should create another post ...
by Znarr
Mon Mar 09, 2009 11:47 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

No worries Wbond, I didn't infer a mocking tone from your previous post - I just personally feel a little embarrassed because a number of people are telling me that I'm going for too much luxury by trying to find a place that's in the 40sq m range - I know it drives costs up but... I do want a reaso...
by Znarr
Mon Mar 09, 2009 11:01 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

Wow, hadn't expected THIS many replies - didn't expect to hear from other bogleheads in Japan :) I may have an advantage over some because I'm a dual citizen (Japanese/American). Unfortunately, that's often not enough to mitigate the fact that my language abilities are pathetic (and landlords tend n...
by Znarr
Mon Mar 09, 2009 9:29 pm
Forum: Non-US Investing
Topic: Buy or Rent? (in Japan)
Replies: 23
Views: 3706

Buy or Rent? (in Japan)

Hello all, I don't know how many people on these boards actually live in Japan, or have an idea of what the Japanese housing market is like right now, but I thought I'd try posting and get opinions. I've been looking for a place of my own on and off for the past 6 months or so. Currently I live in a...