Search found 126 matches

by imperia
Tue Oct 23, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] Which stock exchange to use?
Replies: 3
Views: 429

Re: [Europe] Which stock exchange to use?

For youre equitues ETFs use Amsterdam stock exchange.

Tickers are IWDA and EMIM

I also invest in this etfs in euros, and I find best liquidity on Amsterdam stock exchange.
by imperia
Mon Oct 15, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Europe Domiciled REIT ETFs?
Replies: 8
Views: 585

Re: Europe Domiciled REIT ETFs?

In 'A Random Walk on Wall Street' REIT investments are described as good sources of diversification and protection against inflation. I've come to the conclusion that European investors barely have access to ETFs in this sector. Among iShares, Vanguard and Wisdomtree's European website's I did not ...
by imperia
Sat Oct 13, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 4
Views: 567

Re: The problem of choosing the best MSCI World ETF

Avoid Luxembourgh domicile etf if it hold USA assets.
Dividend is taxed 30% by USA, while dividend of Ireland domicile ETF is taxed by 15%.

Choose XDWD or EUNL.
by imperia
Wed Sep 26, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Registered countries of an ETF
Replies: 6
Views: 385

Re: [EU] Registered countries of an ETF

Can you open a brokerage account at either Interactive Brokers, Saxo Bank, or some other reasonable discount broker that gives you access to the London Stock Exchange? There is also DeGiro very cheap broker, and there are other Stock Exchange like Amsterdam, Frankfurth, Paris, Milan where is possib...
by imperia
Wed Sep 26, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: [EU] Registered countries of an ETF
Replies: 6
Views: 385

Re: [EU] Registered countries of an ETF

There are no implications.
Just buy ETF domicile in Ireland, and stay the course.
by imperia
Thu Sep 20, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: [Non-US] Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)
Replies: 17
Views: 907

Re: Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)

During rebalancing events (annually and following Swedroe's 25/5), I would re-establish the correct EM/DM ratio according to the latest information from MSCI. If the two funds are fully accumulating, there would not be any rebalancing events (at least not between the two MSCI funds): they are both ...
by imperia
Mon Sep 17, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Why is it so much cheaper to borrow money in Euros?
Replies: 19
Views: 2178

Re: Why is it so much cheaper to borrow money in Euros?

European Central Bank still hold interest low near zero, on the oder side FED has rise interest couple times.
by imperia
Wed Sep 12, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: ETFs VOO (NYSE) vs. VUSD (LSE) performance
Replies: 1
Views: 281

Re: ETFs VOO (NYSE) vs. VUSD (LSE) performance

If you look 5yr return you wil notice this:

1. VOO has average 5year return 13.58%
2. VUSD has average 5year return 13.24%

It is not the same, but it is close
by imperia
Wed Sep 12, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Market (VTI) equivalent on LSE
Replies: 2
Views: 259

Re: Vanguard Total Market (VTI) equivalent on LSE

There is not nothing identical VTI, but there is
Xtrackers MSCI USA Index UCITS ETF 1C and it is about 85% of total USA market.
by imperia
Tue Sep 11, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: The problem of choosing the best MSCI World ETF
Replies: 11
Views: 2731

Re: The problem of choosing the best MSCI World ETF

Just go on ETFs provider official site and check Distribution policy :D
or you can use justetf.com for all ucits etfs

IWDA, SWDA, EUNL are the same ETFs listed on different Stock Exchange.

If you have euros, than buy in euros, if you have dollar, buy in dollar,....
by imperia
Fri Aug 24, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Europe [Portugal]
Replies: 5
Views: 315

Re: New Investor Europe [Portugal]

First read this https://www.bogleheads.org/wiki/EU_investing There are others forum members from Portugal like on this thread https://www.bogleheads.org/forum/viewtopic.php?t=253457 For European Bogleheads common portfolio for stocks part is: 90% IWDA iShares Core MSCI World UCITS ETF USD (Acc) 10%E...
by imperia
Wed Aug 15, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Italian Investor (Ireland Based) - Lazy Portfolio
Replies: 18
Views: 2096

Re: Italian Investor (Ireland Based) - Lazy Portfolio

EIMI has changed TER from 0.25% to 0.18% two month ago
by imperia
Tue Jul 24, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: [European Expat in Hong Kong] Bonds, Currency and Fees for global portfolio
Replies: 5
Views: 557

Re: [European Expat in Hong Kong] Bonds, Currency and Fees for global portfolio

1. Difference between 0.07 and 0.2 is not big. For 100.000 you pay 70 or 200. IWDA and CSPX are not same ETF and you can not compere tham. If you belive that USA will preform better than rest of develope world than invest in CSPX. I prefere diversification that IWDA give to me, but we will see resul...
by imperia
Mon Jul 23, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: newbie from taiwan
Replies: 9
Views: 1073

Re: newbie from taiwan

Use www.justetf.com to find ETFs domicile on Europe.
I suggest Ireland domicile, and accumulations not distributions.
by imperia
Mon Jul 23, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Germany: Index Funds vs ETFs from Vanguard and iShares
Replies: 5
Views: 743

Re: Germany: Index Funds vs ETFs from Vanguard and iShares

Jack Bogle said "ETFs are fine if you buy and hold forever" Buy ETF and do not trade. Vanguard is not dominant player in Europe like in the USA. There are many iShares, DB Xtrackers, Lyxor ETF with low that have better offer than Vanguard, so use tham. ETF provider is not so important. Use www.juste...
by imperia
Thu Jul 19, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: ETF/stocks trading on different exchanges
Replies: 1
Views: 221

Re: ETF/stocks trading on different exchanges

In theory yes, but in real life NO!
If you see somwhere that case than simple buy cheap and sell high.
by imperia
Wed Jul 18, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing from Europe in US stocks
Replies: 4
Views: 461

Re: Investing from Europe in US stocks

You also need to put Belgium in title.on that way you will attract members from your country.
by imperia
Wed Jul 18, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Investing from Europe in US stocks
Replies: 4
Views: 461

Re: Investing from Europe in US stocks

1. Trading currency is not important. You can buy same ETF for EUR, GBP or USD. Currency of the underlying asset is only important. If you buy ETF for EUR that tracks S&P500 your investment is 100% in USD. IWDA is Ireland base ETF and and it is listed on different stock exchanges (London, Amsterdam,...
by imperia
Mon Jul 09, 2018 3:40 am
Forum: Investing - Help with Personal Investments
Topic: A new investor has appeared! [Portugal]
Replies: 61
Views: 5149

Re: A new investor has appeared! [Portugal]

Have you read about accumulations etfs(reinvest dividends), so you can avoid dividend tax in your country. Vanguards has not accumulations etfs in Europe so I suggest iShares or Xtrackers Common portfolio for EU investor is: 90% iShares Core MSCI World UCITS ETF (IWDA) TER 0.2 10%iShares Core MSCI E...
by imperia
Sun Jul 01, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice for beginner young investor from Vietnam
Replies: 6
Views: 684

Re: Seeking advice for beginner young investor from Vietnam

Vanguard,iShares, Xtrackers, ... ETFs are cheap, and I have writen you expense ratio for suggestes ETFs. Check for your self. There is nothing better to invest than mutual fonds and ETFs. For you ETFs are the only option, just like for me. I personaly just like many other bogleheads who are not from...
by imperia
Sun Jul 01, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice for beginner young investor from Vietnam
Replies: 6
Views: 684

Re: Seeking advice for beginner young investor from Vietnam

Does Vietnam has Tax and Estate treaty with US? If not avoid US domicile ETFs, and buy Irish domicile ETFs. This is link for European investors, but if your conuntry has not has Tax and Estate treaty with US, than you can find lots information on this links https://www.bogleheads.org/wiki/Nonresiden...
by imperia
Fri Jun 29, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Rookie question from Estonia
Replies: 3
Views: 432

Re: Rookie question from Estonia

Every broker is secured up to 20,000€ in EU, so do not worry :D
For such a small amount you can not choose, take the cheapest and that is it, also check if DeGiro accepts clients from Estonia.
When you have more money you can transfer funds to another broker.
by imperia
Thu Jun 28, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Germany domiciled accumulating ETFs?
Replies: 7
Views: 1167

Re: Taxes on Germany domiciled accumulating ETFs?

One of the fisrst Etf's I checked Amundi ETF DAX UCITS ETF DR (EUR) ( 18MJ) is domiciled in France, I didn't check but I assume there are more not domiciled in Germany or Luxemburg. From June 6th, 2018, AMUNDI ETF MSCI GERMANY UCITS ETF changes its investment objective to reflect evolving clients’ ...
by imperia
Thu Jun 28, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie question from Estonia
Replies: 3
Views: 432

Re: Rookie question from Estonia

100-200€ is small amount. Maybe to invest every 6 month? Interactive Brokers is ok, but minimun trade is 4€, and inactivity fee is 10$/month. Check DeGiro. Also check does Estonia tax accumulation etf, and dividend tax rate in Estonia. U suggest you to read this https://www.bogleheads.org/wiki/EU_in...
by imperia
Sun Jun 24, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 2308

Re: Help for a beginner investor in Germany

VWRL is listed in Amsterdam,and traded in euros.

https://www.bloomberg.com/quote/VWRL:NA

For research I suggest justetf.com
by imperia
Sun Jun 24, 2018 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage - bank-brokers or brokers? [Bulgaria]
Replies: 19
Views: 1314

Re: Brokerage - bank-brokers or brokers? [Bulgaria]

One Bulgarian on this forum said there is such option in Bulgaria.
Resseler has lower inactivity fee, but higher trading fees.
Bonzai said that he has more than 100.000$ to invest, so IB is best option.
by imperia
Sun Jun 24, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio, investing from Germany
Replies: 8
Views: 738

Re: My portfolio, investing from Germany

SPDR ACWI IMI ucits ETF has TER 0.4, and AUM is just 72million. It covers appr. 8.500 securities across large, mid and small cap size segments and consists of 46 country indices, of which approximately half are developed and half are emerging markets. Too much exposure to emerging markets. If you su...
by imperia
Sun Jun 24, 2018 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage - bank-brokers or brokers? [Bulgaria]
Replies: 19
Views: 1314

Re: Brokerage - bank-brokers or brokers? [Bulgaria]

No i do not.
IB charges just trading and inactivity fees(account under 100.000$)
by imperia
Sun Jun 24, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio, investing from Germany
Replies: 8
Views: 738

Re: My portfolio, investing from Germany

Your portfolio is fine.
I also use dax etf instead europe etf, becouse I belive in Germany.

I suggest adding emerging markets.
by imperia
Mon Jun 18, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage - bank-brokers or brokers? [Bulgaria]
Replies: 19
Views: 1314

Re: Brokerage - bank-brokers or brokers? [Bulgaria]

If you chose IB you will sign contract with IB UK.
Than you send money to Citi bank in Germany(euros), and than you can start with investing.
Do not hold cash above 60.000$ in brokers account, but you can hold assets.
Invest in Irish domicile ETF, and you wpuld be fine.
by imperia
Mon Jun 18, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage - bank-brokers or brokers? [Bulgaria]
Replies: 19
Views: 1314

Re: Brokerage - bank-brokers or brokers? [Bulgaria]

Diversification.
Broker can colaps, it is not common, but it can happend.

In this case use just Interactive Brokers, because Unicredit is too expensive.
by imperia
Mon Jun 18, 2018 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage - bank-brokers or brokers? [Bulgaria]
Replies: 19
Views: 1314

Re: Brokerage - bank-brokers or brokers? [Bulgaria]

Unicredit: - Buy/sell order - 2 EUR fixed sum unrelated - Safekeeping/custody - 0.06% every year of the total invested sum This is ok, in Croatia Unicredit charges 0,3% treding fees, 15€ minimum. If you use IB and you have more than 100.000$ you do not pay 10$/month for inactivity, but trading fees ...
by imperia
Sat Jun 16, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: [NON-US (Ireland) ETFs - Deemed disposal rule?]
Replies: 8
Views: 697

Re: [NON-US (Ireland) ETFs - Deemed disposal rule?]

It does not apply to non Irish residents.
You do not pay tax when you sells etf.
by imperia
Thu May 31, 2018 3:04 am
Forum: Investing - Help with Personal Investments
Topic: Index Fund Investment from a Person in a Small European Country (Bulgaria)
Replies: 10
Views: 1084

Re: Index Fund Investment from a Person in a Small European Country (Bulgaria)

Degiro seems like good choice for you, but it seems thay do not accept Bulgarians(but thay have office on Sofia). Contact them and there is also possibility to open bank account in some other EU country and than use degiro. https://www.bogleheads.org/wiki/Nonresident_alien%27s_ETF_domicile_decision_...
by imperia
Thu May 17, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 25
Views: 1879

Re: [Europe] [Belgium] Investing with DEGIRO

https://www.bogleheads.org/wiki/Nonresi ... sion_table

On this page you can find list of all countrys with USA tax trity, and Estate tax treaty.
by imperia
Thu May 17, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 25
Views: 1879

Re: [Europe] [Belgium] Investing with DEGIRO

2) About LCWD [Global Developed Market]: This fund is domiciled in Luxembourg. According to Bogleheads Wiki , a Belgian investor should favor Irish based funds, for tax reasons. Luxembourg just like Ireland has tax treaty with USA and pay 15% on USA dividend. Luxembourg does not tax dividend for no...
by imperia
Wed May 16, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 25
Views: 1879

Re: [Europe] [Belgium] Investing with DEGIRO

For small cap there is new etf from iShares with TER 0.35% iShares MSCI World Small Cap UCITS ETF(WSML) WDSC has TER 0.45% There is also new MSCI World ETF Lyxor Core MSCI World (DR) UCITS ETF (LCWD) TER:0.12%, but it is new ETF from 28 February 2018, and fond size is just 34m, but I expect growth i...
by imperia
Mon May 14, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Young investor portfolio advice [Europe, Croatia]
Replies: 3
Views: 586

Re: Young investor portfolio advice [Europe, Croatia]

I am also Croat :D Ireland and Luxembourg does not tax etf, and tax rate with US is 15% for both country. iShares etfs have biggest trading volume and AUM and for that IWDA + EIMI is common combination. Reits are included in this etf, and if you want more reit that is your choice. I will send you pr...
by imperia
Sat May 05, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 65
Views: 5006

Re: Accumulating ETF - Additional Units or Increase in Price

I use IB Broker, US company, but I also registred in many countries.
What is your resident country?
by imperia
Sat May 05, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 65
Views: 5006

Re: Accumulating ETF - Additional Units or Increase in Price

I use accumulation etfs because if I do not receive dividend I do not pay dividend tax.
Second one is I do not need reinvest dividend my self, so I save on trading fees.
by imperia
Fri May 04, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1937

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

Your asset allocation is good just stay on course.
There is allways dilemma between DCA and lump sum, but it is up to you.
by imperia
Fri May 04, 2018 1:50 am
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1937

Re: New to index funds

Hi, You need to put your place of residents in your title, that you can attract European members. Have you read this: https://www.bogleheads.org/wiki/EU_investing#Example_of_EU_domiciled_ETF_providers Check does Jersy taxes dividend in accumulation ETFs. If not you can use accumulation ETFs and avoi...
by imperia
Tue Apr 03, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1550

Re: How to invest 850,000€ [Germany]

I use bank saving account instead of bond. I also plan to invest some part in emerging markets bond hedged to euro(SBEME ETF). I have suggested you 40% in fixed income because you are allready millioner(no reason to take to much risk), and stock market is almost all time high, and we have growth for...
by imperia
Tue Apr 03, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 850,000€ [Germany]
Replies: 14
Views: 1550

Re: How to invest 850,000€

Do not be complicate, for stock pick just FTSE All World ETF or MSCI World+Emerging Markets. You can also add MSCI Europe. Invest 60% in stocks and 40% in bonds or bank saving account. Stock 60% 70% FTSE All World(msci world+EM) 30% MSCI Europe On your place I woud buy 5 kilograms gold for additiona...
by imperia
Wed Mar 28, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: How Do I Find International Stock Symbols?
Replies: 2
Views: 331

Re: How Do I Find International Stock Symbols?

Just write in google 'name of the company and "symbol"
Example
"Nestle stock symbol"

Or "name of the company morningstar'
Or "name of the company bloomberg"


Good luck!