Search found 21 matches

by rsasub
Tue Oct 08, 2019 7:51 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 461
Views: 319691

Re: Suggestions for the Wiki

I have a suggestion for updating the page: Non-US investor's guide to navigating US tax traps (https://www.bogleheads.org/wiki/Non-US_investor%27s_guide_to_navigating_US_tax_traps#A4) The current recommendation is if you plan to invest over USD60K in US, don't. This is due to high estate taxes. Howe...
by rsasub
Wed Jan 31, 2018 4:16 am
Forum: Non-US Investing
Topic: Choosing bond ETFs [non-US]
Replies: 3
Views: 750

Re: Choosing bond ETFs [non-US]

I'm looking for a bond etf that is less prone to the effect in a stock market crash as well as interest rate hikes (to balance my equities). In researching this, I have therefore been looking at the trend the three ETS below have had over the past years during a raising interest rate environment. -...
by rsasub
Sun Jan 28, 2018 4:17 am
Forum: Non-US Investing
Topic: Choosing bond ETFs [non-US]
Replies: 3
Views: 750

Choosing bond ETFs [non-US]

I'm looking for a bond etf that is less prone to the effect in a stock market crash as well as interest rate hikes (to balance my equities). In researching this, I have therefore been looking at the trend the three ETS below have had over the past years during a raising interest rate environment. - ...
by rsasub
Thu Jan 18, 2018 7:17 pm
Forum: Non-US Investing
Topic: Ireland domiciled ETF vs Unit Trust [Non-US]
Replies: 4
Views: 533

Ireland domiciled ETF vs Unit Trust [Non-US]

I'm a non US resident looking at investing in Ireland domiciled funds. Still new to all this but wanted to understand more about the difference between ETFs and other classes like Unit Trusts. My example: What is the difference between the two following: iShares MSCI Europe ex-UK UCITS ETF Type = ET...
by rsasub
Thu Jan 18, 2018 7:08 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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 rsasub
Wed Jan 17, 2018 8:18 pm
Forum: Non-US Investing
Topic: Figuring out yield on specific ETF
Replies: 5
Views: 425

Re: Figuring out yield on specific ETF

Your link doesn't show me the ETF. What is the ticker symbol? This appears to be an Ireland domiciled UCITS 'open-ended unit trust' -- roughly equivalent to a US mutual fund -- and not an ETF, so no ticker. Does anyone know how to go about figuring out the yield? Maybe start by looking at the perfo...
by rsasub
Wed Jan 17, 2018 7:45 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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

Where do you hold perm res/ right of abode? Invest through the country with no cap gains or dividend tax. I'm in a 3rd country and maintain an address in a no tax country where I invest from. A return flight every 3 years to maintain perm res status is worth it. Plus the currency is pegged to the d...
by rsasub
Wed Jan 17, 2018 7:42 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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

With $10 million I feel it's somewhat wasteful to go for bonds, emergency fund, etc. as per traditional advice for a smaller portfolio. But from my homework and conclusions, I'd say: Sort out your tax residence and tax exposure first, to determine which country your ETFs should be based in, situs. ...
by rsasub
Wed Jan 17, 2018 7:32 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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 asi...
by rsasub
Wed Jan 17, 2018 7:01 pm
Forum: Non-US Investing
Topic: Figuring out yield on specific ETF
Replies: 5
Views: 425

Re: Figuring out yield on specific ETF

Your link doesn't show me the ETF. What is the ticker symbol? This appears to be an Ireland domiciled UCITS 'open-ended unit trust' -- roughly equivalent to a US mutual fund -- and not an ETF, so no ticker. Does anyone know how to go about figuring out the yield? Maybe start by looking at the perfo...
by rsasub
Wed Jan 17, 2018 10:07 am
Forum: Non-US Investing
Topic: Figuring out yield on specific ETF
Replies: 5
Views: 425

Figuring out yield on specific ETF

This ETF is rather new, and I can't find a platform that covers it in more detail.

Does anyone know how to go about figuring out the yield?
by rsasub
Tue Jan 16, 2018 10:35 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

Re: Investing Windfall (no country bias)

Congrats on the windfall. Yes as somebody said you can overweigh a bit Emerging Markets; or even consider Frontier Markets (small part). A World ETF has for sure more US; but you can counter balance that with a EM ETF, maybe frontier Markets; + some REITs. The 'bull' market has been not only in the...
by rsasub
Tue Jan 16, 2018 10:22 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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 t...
by rsasub
Tue Jan 16, 2018 10:19 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

Re: Investing Windfall (no country bias)

From a cost and management perspective, it would probably be easiest just to own a big chunk of an emerging markets index fund along with some of a developed ex-US (like EAFE) index fund, then buy an EM value fund and an EAFE value fund which would essentially tilt you towards those countries. That...
by rsasub
Mon Jan 15, 2018 9:26 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

Re: Investing Windfall (no country bias)

You are being pretty cagey for someone who is seeking "good" advice. Do you have a passport? It would help to know where your "tax home" is located? Sorry... I live in Malaysia and have an Australian Passport. From a tax perspective Malaysia is very good if you are investing overseas as it doesn't ...
by rsasub
Mon Jan 15, 2018 8:02 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2145

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

41yrs old - ex business owner here. Forced to sell for various reasons, but on the up-side am now sitting on a $10m+ windfall with plenty of free time. This has been in the works for some time and I've floated around bogleheads and similar places for a while, but now that it's happened I'm feeling o...
by rsasub
Thu Feb 23, 2017 2:28 am
Forum: Non-US Investing
Topic: Australian High Net Worth Investing
Replies: 12
Views: 2088

Re: Australian High Net Worth Investing

there is almost not circumstance in which costs would go up Don't get me wrong, with a 40 year history like that it sounds pretty solid, but for the sake of argument, what if JP Morgan Chase (as VG's US custodian) started to have trouble with a sector of it's business and needed to find revenue? VG...
by rsasub
Thu Feb 23, 2017 1:18 am
Forum: Non-US Investing
Topic: Australian High Net Worth Investing
Replies: 12
Views: 2088

Re: Australian High Net Worth Investing

The thing that gets me worried at present is if there are any inherent risks into putting all ones eggs into the VG basket. I have had the same thoughts, but haven't had time yet to seriously research it. It would be interesting to know the risks of something like this. It seems from the below link...
by rsasub
Wed Feb 22, 2017 9:04 am
Forum: Non-US Investing
Topic: Australian High Net Worth Investing
Replies: 12
Views: 2088

Re: Australian High Net Worth Investing

Thanks AlohaJoe, this is insightful.. I now have some reading to tuck into :)

Out of curiosity, as a non-resident did you still take the plunge on the ASX?
by rsasub
Tue Feb 21, 2017 9:14 am
Forum: Non-US Investing
Topic: Australian High Net Worth Investing
Replies: 12
Views: 2088

Re: Australian High Net Worth Investing

My concern with the ASX 200 is how financial heavy it is, Just the 4 big banks count for 28% its value. Swifteagle, this is definitely a valid concern. I guess I'm coming from a position of being 80% invested in a single sector/company so this scares me less... that plus the benefits of franking + ...
by rsasub
Sat Feb 18, 2017 10:49 pm
Forum: Non-US Investing
Topic: Australian High Net Worth Investing
Replies: 12
Views: 2088

Australian High Net Worth Investing

Hi, I've read through quite a few relevant topics on bogleheads but haven't found a lot specific to Australian investors, especially those with a higher net worth. This topic is intended to be in part for advice/feedback, and part to generate discussion around the particular requirements of people i...