Search found 218 matches

by Mors
Sun Feb 16, 2020 6:26 am
Forum: Non-US Investing
Topic: New Investor From Greece
Replies: 7
Views: 594

Re: New Investor From Greece

1) iShares Core MSCI World UCITS ETF USD (Acc) (EUR) - 50% or Vanguard FTSE All-World UCITS ETF (USD) Accumulating Accumulating funds make taxes complicated in some countries. In the UK we only use them in tax protected accounts. The 2 funds are pretty similar - which has the lower OCF (expense rat...
by Mors
Fri Feb 14, 2020 5:53 pm
Forum: Non-US Investing
Topic: New Investor From Greece
Replies: 7
Views: 594

Re: New Investor From Greece

Fellow Greek here. Pay the car loan first, it trumps any investment returns on a risk adjusted basis. Since you keep half your portfolio in fixed term deposit, I suggest investing only in a world index fund, like the Vanguard one. Accumulating ones are the best for our tax regime, but it makes littl...
by Mors
Mon Feb 10, 2020 7:09 pm
Forum: Non-US Investing
Topic: Asset allocation advice for early retirement?
Replies: 16
Views: 1362

Re: Asset allocation advice for early retirement?

You have a conservative drawdown plan, you should be fine even for a long retirement with 1,6m as starting capital with aggressive allocation. If I was in your shoes, I would probably buy a couple of inflation adjusted lifetime SPIAs with about 500k, maybe with a 20 year certain period for the famil...
by Mors
Sat Feb 01, 2020 5:37 am
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1341

Re: UK SIPP investor questions

Vanguard has a global all cap that is a great one stop fund. I also like it's global bond fund. One possible problem here may be that this is a fund (OEIC), not an ETF. And Fidelity charges an additional 0.35%-0.2% platform fee for holdings, capped at £45 for ETFs but not for unit trusts and OEICs....
by Mors
Thu Jan 30, 2020 6:55 pm
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1341

Re: UK SIPP investor questions

Vanguard has a global all cap that is a great one stop fund. I also like it's global bond fund.
by Mors
Sun Jan 26, 2020 10:05 am
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1341

Re: UK SIPP investor questions

For the active-passive debate, read this paper from Vanguard that it lays out the framework of the desicion process. https://personal.vanguard.com › ...PDF Αποτελέσματα ιστού Making the implicit explicit: A framework for the active-passive decision - Vanguard In short, go all index unless you are co...
by Mors
Sat Jan 04, 2020 5:27 am
Forum: Non-US Investing
Topic: Is it okay to avoid International Bonds?
Replies: 11
Views: 1181

Re: Is it okay to avoid International Bonds?

To be fair Indian Bonds cannot be owned easily by foreigners. It is not free market. So I think the flight to safety effect will still happen because only domestic investors can own them easily and government bonds are seen as the safest bonds by them. 2008 Crisis proved this as Indian Gilts return...
by Mors
Thu Sep 26, 2019 2:41 pm
Forum: Non-US Investing
Topic: BELGIUM - Renting vs Owning
Replies: 23
Views: 2376

Re: BELGIUM - Renting vs Owning

Petettymet we understand you were trying to be helpful, but I also agree with the OP that if you did not took in mind monthly and yearly costs of owning a house then you cannot conclude to any meaningful assumption. A better aid to the desicion of renting vs buying is a rent vs buy calcualtor. I lik...
by Mors
Sun Sep 22, 2019 11:22 am
Forum: Non-US Investing
Topic: BELGIUM - Renting vs Owning
Replies: 23
Views: 2376

Re: BELGIUM - Renting vs Owning

I would like to point out that if you want to use leverage, mortgages are much better than margin investing or leveraged etfs. So there is some value in that, especially if there are tax benefits related to mortgage payments. However, in this case, even such benefits do not seem to make buying a hou...
by Mors
Sun Sep 22, 2019 11:17 am
Forum: Non-US Investing
Topic: Asset allocation for europeans in EUR - Vanguard & Raisin collaboration
Replies: 5
Views: 579

Re: Asset allocation for europeans in EUR - Vanguard & Raisin collaboration

Hi Mors, thanks for posting that, it is interesting. Mein Deutsch ist nicht so gut, aber….it looks like it is only for Germans? Is that correct? DJN Ja, ich kann auch nur das sagen, haha. Jokes aside, and hoping my german sentence is at least correctly written, it is easy to navigate by translating...
by Mors
Sun Sep 22, 2019 8:10 am
Forum: Non-US Investing
Topic: Asset allocation for europeans in EUR - Vanguard & Raisin collaboration
Replies: 5
Views: 579

Asset allocation for europeans in EUR - Vanguard & Raisin collaboration

Hello, I am interested to start a discussion about euro asset allocation. Since recently, we did not have a whole portfolio product directed to Europeans that use euro as their currency from Vanguard. However, now Vanguard has colaborated with a german fintech and brough such a product to the german...
by Mors
Sat Sep 21, 2019 1:41 pm
Forum: Non-US Investing
Topic: German Resident, investing 40k
Replies: 1
Views: 349

Re: German Resident, investing 40k

Assuming EM bonds have equity like risks, your father's allocation is about 50/50 stocks/bonds, so an allocation of 50% vwrl / 50% aggh should be fine. He already has a substantial overweight in EM bonds, I advise against increasing it. You may wish to substitute a part of the bond etfs with a savin...
by Mors
Sat Sep 21, 2019 7:50 am
Forum: Non-US Investing
Topic: BELGIUM - Renting vs Owning
Replies: 23
Views: 2376

Re: BELGIUM - Renting vs Owning

With the numbers you gave, indeed, almost every scenario favors renting instead of buying. Just make sure, like others have said before me, that you are saving a decent part of your income and invest it long term. If for example the 3500 EUR you would use to pay your mortgage are invested in a balan...
by Mors
Sat Aug 24, 2019 4:43 am
Forum: Non-US Investing
Topic: [wiki] New page on Robo-advisers for non-US investors
Replies: 10
Views: 796

Re: [wiki] New page on Robo-advisers for non-US investors

A couple of useful additions: - Write the pricing scheme of each robo-advisor. - Write the available countries for the robo-advisors that operate in EU but do not cover all the countries in it. Hi Mors, thanks for your useful comments. I had wanted to include the pricing scheme for each advisor and...
by Mors
Fri Aug 23, 2019 4:37 am
Forum: Non-US Investing
Topic: [wiki] New page on Robo-advisers for non-US investors
Replies: 10
Views: 796

Re: [wiki] New page on Robo-advisers for non-US investors

A couple of useful additions:
- Write the pricing scheme of each robo-advisor.
- Write the available countries for the robo-advisors that operate in EU but do not cover all the countries in it.
by Mors
Mon Aug 12, 2019 4:29 am
Forum: Non-US Investing
Topic: UK - Best boglehead 100% global equity unit trusts
Replies: 14
Views: 793

Re: UK - Best boglehead 100% global equity unit trusts

cjking wrote:
Mon Aug 12, 2019 3:57 am
Surely L&G plus a UK tracker would be a more mainstream approach than Fidelity plus Emerging?

And probably cheaper?
Ι agree. I had found an iShares fund that followed the FTSE All-shares index that fitted the bill while being cheap.
by Mors
Sat May 04, 2019 12:31 pm
Forum: Non-US Investing
Topic: Which bonds (ETF/funds?) to choose as hedge for stocks (ETF)? (EU)
Replies: 14
Views: 1795

Re: Which bonds (ETF/funds?) to choose as hedge for stocks (ETF)? (EU)

Check these reddit topics about dutch brokers. https://www.reddit.com/r/DutchFIRE/comments/5aejn6/vergelijking_brokers_nederland_comparison_of/ https://www.reddit.com/r/DutchFIRE/comments/7do4b8/vergelijking_van_brokers_deel_2/ Its seems that Degiro and Lynx are better choices than Meesman, although...
by Mors
Tue Apr 23, 2019 3:40 pm
Forum: Non-US Investing
Topic: Switzerland - Investment Strategy
Replies: 8
Views: 1399

Re: Switzerland - Investment Strategy

Check these pages from mustachianpost.com https://www.mustachianpost.com/etf-portfolio/ https://www.mustachianpost.com/2018/09/09/what-etf-portfolio-to-build-in-2018-as-a-swiss-mustachian/ I generally agree with him. A serios remark is that it is in your benefit to start by investing in VT (US domic...
by Mors
Mon Apr 08, 2019 12:36 pm
Forum: Non-US Investing
Topic: [Wiki] Cash equivalents for EU investors - seeking feedback and contributions
Replies: 19
Views: 1490

Re: [Wiki] Cash equivalents for EU investors - seeking feedback and contributions

tsrz wrote:
Mon Apr 08, 2019 9:08 am
Medirect seems legit but unfortunately is only for Belgians..
This seems to me incorrect, in the light of the fact that it is a Maltese financial institution. I cannot confirm it, but I think anyone in EU can open an account with them.
by Mors
Sun Apr 07, 2019 2:29 pm
Forum: Non-US Investing
Topic: [Wiki] Cash equivalents for EU investors - seeking feedback and contributions
Replies: 19
Views: 1490

Re: [Wiki] Cash equivalents for EU investors - seeking feedback and contributions

Medirect also has competitive rates for term deposits and saving accounts.
by Mors
Sun Mar 31, 2019 5:24 am
Forum: Non-US Investing
Topic: New to investing [Greece]
Replies: 33
Views: 3343

Re: New to investing [Greece]

Hello joker, You are right, there is no point in bringing money in Greece. iShares Global Aggregate Bd ETF HAcc is a perfectly fine choice by itself. You can also look around for high yielding saving accounts and term deposits in Euro. Even for 0,5% I would prefer them compared to a bond fund curren...
by Mors
Sun Mar 17, 2019 4:48 pm
Forum: Non-US Investing
Topic: New to investing [Greece]
Replies: 33
Views: 3343

Re: New to investing [Greece]

Greek here. ICH got me covered. Just a few remarks. I agree with the remarks. Best yielding CD at the moment seems to be with Attica bank. Careful with the deposit compensation in Greece: if you have accounts in 2 banks, you are covered for 100+100 k euros. If the banks merge (common in Greece), yo...
by Mors
Sat Mar 16, 2019 7:05 pm
Forum: Non-US Investing
Topic: New to investing [Greece]
Replies: 33
Views: 3343

Re: New to investing [Greece]

Greek here. ICH got me covered. Just a few remarks. -IB is relatively expensive for balances lower than $100k. Degiro or alternatively Lynx are better choices for a starting broker. -While I generally agree that the Vanguard FTSE All-World UCITS ETF is the best all-round etf for your equity exposure...
by Mors
Mon Jul 16, 2018 4:09 pm
Forum: Non-US Investing
Topic: MFs in India [Mutual Funds]
Replies: 18
Views: 1950

Re: MFs in India [Mutual Funds]

Here you will find all the ETFs available to the Indian stock exchange. https://en.wikipedia.org/wiki/List_of_Indian_exchange-traded_funds I see it lacks international exposure, other than Motilal Oswal Mutual Fund - Motilal Oswal MOSt Shares Nasdaq Index N100 ETF. You can also help yourself findin...
by Mors
Sat Jul 14, 2018 4:32 pm
Forum: Non-US Investing
Topic: MFs in India [Mutual Funds]
Replies: 18
Views: 1950

Re: MFs in India [Mutual Funds]

Here you will find all the ETFs available to the Indian stock exchange. https://en.wikipedia.org/wiki/List_of_Indian_exchange-traded_funds I see it lacks international exposure, other than Motilal Oswal Mutual Fund - Motilal Oswal MOSt Shares Nasdaq Index N100 ETF. You can also help yourself finding...
by Mors
Mon Jul 09, 2018 2:06 pm
Forum: Non-US Investing
Topic: First Portfolio Ever (Australian ETFs)
Replies: 9
Views: 933

Re: First Portfolio Ever (Australian ETFs)

Your allocation is great. I like the new Vanguard all-in-one etfs. The extra fees fully justify the automatic rebalance and convenience. I find it ideal if you are new to investing, I would probably suggest it over the more complex alternative. Will you invest through a tax-advantaged account? I kno...
by Mors
Sun Jul 08, 2018 5:08 am
Forum: Personal Investments
Topic: Please help with my 401k allocation at my second job
Replies: 12
Views: 1075

Re: Please help with my 401k allocation at my second job

To be fair, the fid Co pool is a valid Choice as a small part of your US allocation. It's Manager has a proved record, the er is fair, it beat its benchmark in the past.

It does take more risk though, so be conservative with your allocation.

The fid worldwide is relatively expensive.
by Mors
Sun Jul 08, 2018 4:54 am
Forum: Personal Investments
Topic: US:International allocation ratio
Replies: 18
Views: 2846

Re: US:International allocation ratio

I say follow the way of Vanguard. It is market cap + a small US bias because of lower currency risk and lower cost. Seems fair and straight forward.
by Mors
Sat Jul 07, 2018 4:17 am
Forum: Personal Investments
Topic: Please help with my 401k allocation at my second job
Replies: 12
Views: 1075

Re: Please help with my 401k allocation at my second job

In addition to the funds mentioned, consider these: Compliment the fid int index with dfa emerging markets . It is relatively expensive but it gives access to em, so you diversify further in a part of the world with high growth potential according to current consensus. Many also believe that the qua...
by Mors
Fri Jul 06, 2018 5:44 pm
Forum: Non-US Investing
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 31
Views: 5136

Re: [Europe] [Belgium] Investing with DEGIRO

Degiro also offers a cheap amundi emerging markets etf. It has an outdated ISIN number in its list though, the fund was merged with a newer. This is it. https://www.justetf.com/de-en/etf-profile.html?isin=LU1681045453 That is the one Degiro has in its list. https://www.justetf.com/de-en/etf-profile....
by Mors
Thu Jul 05, 2018 4:35 pm
Forum: Non-US Investing
Topic: UK - How to start
Replies: 3
Views: 831

Re: UK - How to start

Check here. http://monevator.com/compare-uk-cheapest-online-brokers/ Vanguard UK is a great place to start investing, and it is beginner friendly with their Lifestrategy and target retirement allocations. When you reach 50k, then the flat fee brokers like the ones Ted mentioned become the more favor...
by Mors
Tue Jul 03, 2018 11:41 am
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 3010

Re: Help for a beginner investor in Germany

So how are the dividends of those ETFs handled in Germany? And capital gains? Read these. https://www.justetf.com/de/news/etf/etf-und-steuern-das-neue-investmentsteuergesetz-ab-2018.html https://www.justetf.com/de/news/geldanlage/der-sparerpauschbetrag.html Essentially, both dividends and non-reali...
by Mors
Mon Jul 02, 2018 2:10 pm
Forum: Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2423

Re: Husband's job finally has a 401k offering with unusual funds

No match :( he works for a nonprofit and I was happy to see that we had a 401k at all this year. So, recognizing these funds have pretty high ERs, would you recommend NOT maxing it out? I currently max out my 401k, we did the small backdoor Roth for me (he has too many rollover IRAs to make it wort...
by Mors
Mon Jul 02, 2018 12:45 pm
Forum: Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2423

Re: Husband's job finally has a 401k offering with unusual funds

I am not impressed with the high fee index funds that are available. With these fees, I woudl rather go with the cheaper actively managed funds that their managers have a proven track record and do not take excessive risk.I would invest in: Fixed income Invesco Stable Asset Fund 1.08% PGIM Total Ret...
by Mors
Mon Jul 02, 2018 11:50 am
Forum: Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5481

Re: Do you own just 5% of anything?

I could see myself holding 5% of an EM bond fund.
by Mors
Sun Jul 01, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 89
Views: 14516

Re: What is your one favorite Fidelity Fund??

The Contrafund fund (FCNTX) and the Low-Priced Stock fund (FLPSX) would be my-go to funds if I wanted to supplement the the index fund that make the core of my portfolio.
by Mors
Fri Jun 29, 2018 6:21 pm
Forum: Personal Investments
Topic: 401(k) through SavingsPlusNow
Replies: 8
Views: 750

Re: 401(k) through SavingsPlusNow

1) It is a FoF (Fund of Funds) structure, which is generally an expensive way to diversify while keeping your portfolio simple. Given that etfs are generally cheap though, and that the management fee on top is also very small, it is valid choice. 2) In general you should not alter your allocation j...
by Mors
Fri Jun 29, 2018 5:57 pm
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 3010

Re: Help for a beginner investor in Germany

So how are the dividends of those ETFs handled in Germany? And capital gains? Read these. https://www.justetf.com/de/news/etf/etf-und-steuern-das-neue-investmentsteuergesetz-ab-2018.html https://www.justetf.com/de/news/geldanlage/der-sparerpauschbetrag.html Essentially, both dividends and non-reali...
by Mors
Thu Jun 28, 2018 4:53 pm
Forum: Personal Investments
Topic: 401(k) through SavingsPlusNow
Replies: 8
Views: 750

Re: 401(k) through SavingsPlusNow

1) It is a FoF (Fund of Funds) structure, which is generally an expensive way to diversify while keeping your portfolio simple. Given that etfs are generally cheap though, and that the management fee on top is also very small, it is valid choice. 2) In general you should not alter your allocation ju...
by Mors
Wed Jun 27, 2018 1:29 pm
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 3010

Re: Help for a beginner investor in Germany

Hi Mors, I have them on the Deka Bank: https://preview.ibb.co/eBEiPo/Screenshot_1.png Thanks for the heads up. Since opening an account is so easy I might just get one at comdirect instead! You should probably sell. Comdirect also offers in a savings plan this small cap etf to combine with the Vang...
by Mors
Tue Jun 26, 2018 12:44 pm
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 3010

Re: Help for a beginner investor in Germany

Hi Mors, thanks a lot for all the reading material! I will make sure to read all of it. I am planning on opening a free portfolio account from Ing Diba and purchase the ETFs monthly directly through there. I think I can get some info if I should be worried about taxation from the websites you sent ...
by Mors
Mon Jun 25, 2018 5:52 pm
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 3010

Re: Help for a beginner investor in Germany

Justetf is ideal for research in ETFs and German brokers. Bogleheads wiki also has relevant pages. Also read the investing and retirement section of finanztip. They make a case for etf investing through insurance. I will post a good example of such a product. https://www.finanztip.de/altersvorsorge/...
by Mors
Thu Jun 21, 2018 5:30 pm
Forum: Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 73
Views: 10375

Re: [100% stock, uncomfortable with international]

Aren't you afraid of a Japan-like recession by going all-in in the stock market of just one country, even if this one country is the USA? I mean, before the crash Japan stock market also appeared unstoppable. US has definitely a more mature stock market with a abetter track record, but an allocation...
by Mors
Sun Jun 17, 2018 12:36 pm
Forum: Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 22
Views: 1782

Re: Take Advantage of Stable Value Fund?

You can use it to fund a part of your fixed-income allocation. it could be 2% to 5% of your fixed income allocation, the rest being the Long Term treasuries you mention. You lower a bit your expected returns, but you also lower the interest rate risk and you increase your diversification.
by Mors
Thu Jun 14, 2018 6:51 pm
Forum: Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 921

Re: Which bond fund in 401k?

Dodix is also my choice. Leave vipix for later. You could add a small portion of your fixed income to the managed income portfolio for diversification purposes, it is a stable value fund. It does not have interest rate risk, although it has probably smaller expected return too.
by Mors
Thu Jun 14, 2018 6:23 pm
Forum: Non-US Investing
Topic: First timer looking for help [Estonia]
Replies: 11
Views: 1653

Re: First timer looking for help [Estonia]

Two points: 1) 50% Europe is too much. Yes you lower currency risk, but you introduce massive tracking error. Lower it to something closer to global market cap. Use XDWD and IEMM to achieve it. 2) global Corp bonds is fine if it is hedged, but it is unsuitable if it is not. If it is not hedged go 10...