Search found 28 matches

by a__
Thu Nov 14, 2019 12:24 am
Forum: Non-US Investing
Topic: Portfolio Review - Germany
Replies: 14
Views: 1282

Re: Portfolio Review - Germany

Country of Residence: Germany . Currency: EUR Debt: Mortgage of my apartment 300k @ 2 a year% Age: 39 Amount to invest: low six-figures You don't raise it, but this could be an important topic to put on the table now: Any chance you are a US citizen? Buying EU-domiciled funds as a US citizen seems ...
by a__
Fri Sep 20, 2019 12:22 pm
Forum: Non-US Investing
Topic: Schwab - U.S. ETFs and ETNs restrictions as of September 19
Replies: 36
Views: 4429

Re: Schwab - U.S. ETFs and ETNs restrictions as of September 19

its September 19, Have anyone heard from schwab on the list of UCITS ETFs that they support. Thank you. I logged in today, and saw lots of Ireland-listed iShares ETFs. Cool! Trouble is, the prospectus is quite clear that US citizens cannot purchase shares. I also got a hard copy letter today inform...
by a__
Sun Aug 19, 2018 11:18 am
Forum: Non-US Investing
Topic: No tax on capital gain while changing country of residency?
Replies: 8
Views: 580

Re: No tax on capital gain while changing country of residency?

Do I have to pay any capital gain tax anywhere if I sell my investment while travelling from country A to country B? During the few days I will travel will I be considered with no residency? I am doing the opposite opposite of you (moving from SE Asia to the EU next month, though I am an American c...
by a__
Wed Aug 01, 2018 2:25 am
Forum: Non-US Investing
Topic: Aggregator like Mint/PC/YNAB in Germany?
Replies: 2
Views: 342

Aggregator like Mint/PC/YNAB in Germany?

Hi all, I'm relocating to Germany next month, and since I'll be paid and doing most spending in EUR from a German bank account, I'd like to continue tracking spending in YNAB and/or PC. Are you aware of any fintech websites like this in Germany? I recognize I could just use YNAB and manual transacti...
by a__
Thu Feb 22, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Recommended resources for a new manager?
Replies: 4
Views: 522

Re: Recommended resources for a new manager?

Hello and good morning, Bogleheads. I've been fortunate enough to accept a new position as a manager of a small team at a Fortune 50. While I'm very excited, I'm also a bit apprehensive as this is my first role in a leadership position. My background is primarily technical and though I'm a relative...
by a__
Mon Feb 05, 2018 6:20 am
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 748

Re: [How to invest while living outside the US?]

Yup, I’m a teacher. this will be my first time teaching overseas. One round trip is standard in all but a few schools, and the Saudi school year is packed between September 2 and May 2 with only one week off during that time so additional round trips would be pretty pointless. The 4 months off for ...
by a__
Sun Feb 04, 2018 11:27 pm
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 748

Re: [How to invest while living outside the US?]

Investing aside, one roud trip a year for an expat position in Saudi Arabia is not great. Hopefully this is not in the oil patch because that would be a red flag. Enjoy the experience, expat jobs are great early on in one's career. Make the most of it and try to save 80+% of your income given the c...
by a__
Sun Feb 04, 2018 7:12 pm
Forum: Non-US Investing
Topic: [How to invest while living outside the US?]
Replies: 11
Views: 748

Re: [How to invest while living outside the US?]

Does anyone know if I would be allowed to exclude all but $5500 of my income under the FEIE, so I have a $5500 taxable income, and put that into a Roth? Would that $5500 be covered under the standard deduction leaving me with no tax liabilities? Sorry, the FEIE is all or nothing. Unless you have so...
by a__
Wed Jan 31, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: American saving rate
Replies: 28
Views: 5786

Re: American saving rate

Most of what bogleheads do isn't considered "saving" by this definition. We put money in mutual funds, not savings accounts. Mostly. I don't think that's correct. I believe saving is defined as income - consumption, so it doesn't matter if the 'saving' is in MFs, savings account, or stuffed under m...
by a__
Tue Jan 30, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: American saving rate
Replies: 28
Views: 5786

Re: American saving rate

Most of what bogleheads do isn't considered "saving" by this definition. We put money in mutual funds, not savings accounts. Mostly. I don't think that's correct. I believe saving is defined as income - consumption, so it doesn't matter if the 'saving' is in MFs, savings account, or stuffed under m...
by a__
Tue Jan 30, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Switching from Biweekly 401K match to Annual match
Replies: 6
Views: 1066

Re: Switching from Biweekly 401K match to Annual match

Here's how I'm tempted to think about it: Sure - front loading on Jan 1 is better, but the money is still going in, and if you shift the way you think about the contribution year and the tax year, you're only missing one year of gains, but you're also getting a lump sum as opposed to the slower DCA ...
by a__
Sat Jan 13, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: International Move - recommendations as for company or pitfalls ?
Replies: 4
Views: 440

Re: International Move - recommendations as for company or pitfalls ?

I live in the US since a longer while and left a couple of households (own, inherited, spouse) behind in Germany on various attics of friends and family. I now would like to move all the stuff to the US and finally consolidate. Besides me wondering if that is even worth it - has anyone experience i...
by a__
Sat Jan 13, 2018 5:34 am
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 2944

Re: How to see YTD% at Vanguard

If you go the My Account drop down menu, there will be a personal performance option there. I see the dollar sign numbers, but not the % on that page For whatever reason the % of the YTD is not there in Vanguard.. Do you see other returns, like 1 year, or since inception? I think YTD is impossible ...
by a__
Tue Jan 02, 2018 6:49 am
Forum: Personal Investments
Topic: Backdoor Roth 2018 wait time
Replies: 1
Views: 669

Re: Backdoor Roth 2018 wait time

Hi Just contributed to 2018 T-IRA and the monies are yet to be pulled from the bank (but are available for trade). Can I go ahead and convert to R-IRA (and move to final fund as well there)? Thx I guess it's possible the answer will depend on which brokerage firm you're using, and their respective ...
by a__
Wed Dec 20, 2017 2:33 pm
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 652

Re: Help me tighten up asset allocation

It can't be that your main concern is asset location while you want to disregard taxes, employer plans, and expat situation. Otherwise one comment is balanced funds seem useless when you otherwise have a simple array of "three fund" selections. You can keep it or liquidate it depending on tax cost....
by a__
Wed Dec 20, 2017 2:18 pm
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 652

Re: Help me tighten up asset allocation

I think you have not gotten any responses because these questions are difficult to answer. I'll give it a stab and maybe others will join in. You seem to be mostly interested in asset placement. The problem is that asset placement is tied to tax bracket and we have no idea what that is. It would be...
by a__
Sun Dec 17, 2017 9:32 am
Forum: Personal Investments
Topic: Help me tighten up asset allocation
Replies: 5
Views: 652

Help me tighten up asset allocation

Hi everyone, I know I'm off to a good start, thanks in part to an earlier thread, but I'm facing some confusion on how to make a cleaner/tighter portfolio. I'd appreciate your insight! Emergency funds: I treat the balanced fund below as my emergency fund. It's also more like planned short-mid term c...
by a__
Fri Nov 03, 2017 2:08 am
Forum: Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 5485

Re: Should I invest my emergency fund?

I keep about 1 month's worth of expenses as cash buffer in my checking account. Over that, the money I really consider as my EF is in my taxable account, invested specifically in Vanguard's Balanced Index fund. This provides both modest return and modest risk protection. I also protect against downs...
by a__
Sat Oct 14, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding estimated taxes
Replies: 11
Views: 1387

Re: Tax question regarding estimated taxes

You can create an account with the IRS directly: https://www.irs.gov/payments There are a couple ways to do it depending on what return you file, and how you want to pay. I use EFTPS, because of self-employment income. It also appears to be the only way to set up scheduled recurring payments for fut...
by a__
Sat Oct 14, 2017 10:34 pm
Forum: Non-US Investing
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 72
Views: 51185

Re: Why can US citizen expats not invest w/Vanguard?

I'm a US Citizen living and working in China, so am very grateful for the discussion going on here. Most of the discussion focuses on having a US address in order to open an account with VG. I have a permanent address in the US, so this is not an issue for me. However, the VG registration process a...
by a__
Thu Oct 12, 2017 7:49 pm
Forum: Personal Investments
Topic: Backdoor Roth Conversion Timeline after recharacterization
Replies: 7
Views: 922

Re: Backdoor Roth Conversion Timeline after recharacterization

This is "clean" as far as the IRS sees it. (The transfer of custodians is irrelevant.) Continue to make all further IRA contributions to a tIRA, then immediately convert. If it ends up that you could have made a deductible contribution, you can claim that, but then the entire converted amount will ...
by a__
Thu Oct 12, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: China visa service recommendations
Replies: 5
Views: 741

Re: China visa service recommendations

I have always applied for visas like this with Travel Visa Pro: https://www.travelvisapro.com/
by a__
Thu Oct 12, 2017 2:10 am
Forum: Personal Investments
Topic: Backdoor Roth Conversion Timeline after recharacterization
Replies: 7
Views: 922

Re: Backdoor Roth Conversion Timeline after recharacterization

I have almost the same question, but it my case it's due to a roll-over: Feb 2017: I did direct roll-over from Betterment TIRA to Vanguard. March 2017: 2016 contributions to Betterment were about $2,000, so I finished out 2016 contributions to Vanguard TIRA April 2017: Made $5,500 contribution to TI...
by a__
Mon Oct 09, 2017 5:04 am
Forum: Non-US Investing
Topic: Moving to the UK from the US: tax advice requested
Replies: 10
Views: 1126

Re: Moving to the UK from the US: tax advice requested

OP, does your company have other expats on this sort of assignment? I also can''t tell if one of you is self-employed or not? In any event, it's a really complex situation. I've lived aboard a few times, first as an English teacher in Korea (paid in local currency) and now as a MegaCopr expat in Vie...
by a__
Mon Oct 02, 2017 10:26 am
Forum: Non-US Investing
Topic: US Expat in Japan looking for options
Replies: 11
Views: 1799

Re: US Expat in Japan looking for options

I'm an American living in Vietnam - no family here, but I have similar investing goals as you do. There are several threads here cautioning against US citizens citizens from purchasing mutual funds. It doesn't appear to be illegal per se, but Vanguard may not really like it. See this link: https://t...
by a__
Sat Sep 02, 2017 1:19 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 923

Re: Portfolio Review for Expat

Hi and Welcome! At work: 13% BL Equities America (1.48%) :annoyed https://markets.ft.com/data/funds/tearsheet/summary?s=LU0439764944:USD Eeeks! I think that fund is worst than you imagine. Um, you are American correct? If so, then you can't hold a Luxembourg domiciled fund. Well you can, but then t...
by a__
Fri Sep 01, 2017 5:39 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 923

Re: Portfolio Review for Expat

bumping with an edit above.
by a__
Sun Aug 27, 2017 12:34 am
Forum: Personal Investments
Topic: Portfolio Review for Expat
Replies: 6
Views: 923

Portfolio Review for Expat

Hi, I’m currently on expat assignment in SE Asia since early 2016. I’m American, but work for a European company, so it’s a bit of a strange set-up. My benefits package is comfortable, and expenses are very low., so I have lots of discretionary income for savings/investment. This job has been a pret...