Search found 138 matches

by Neus
Tue Jul 28, 2020 11:53 pm
Forum: Non-US Investing
Topic: Non US How do you invest for Kids University Education?
Replies: 6
Views: 439

Re: Non US How do you invest for Kids University Education?

So it seems for kids university cost, an US investor have access to 529 plan that is tax advantaged Is there similar thing for non us investor? In Canada we have the RESP (registered education savings plan) University is relatively inexpensive here Damn i’m so envious Our Local University is inexpe...
by Neus
Tue Jul 28, 2020 11:50 pm
Forum: Non-US Investing
Topic: Non US How do you invest for Kids University Education?
Replies: 6
Views: 439

Re: Non US How do you invest for Kids University Education?

So it seems for kids university cost, an US investor have access to 529 plan that is tax advantaged Is there similar thing for non us investor? It likely would vary depending on your country of citizenship/residence/tax filing. Is it even necessary? In some countries colleges/universities are essen...
by Neus
Tue Jul 28, 2020 11:49 pm
Forum: Non-US Investing
Topic: Non US How do you invest for Kids University Education?
Replies: 6
Views: 439

Re: Non US How do you invest for Kids University Education?

So it seems for kids university cost, an US investor have access to 529 plan that is tax advantaged Is there similar thing for non us investor? It likely would vary depending on your country of citizenship/residence/tax filing. Is it even necessary? In some countries colleges/universities are essen...
by Neus
Tue Jul 28, 2020 10:33 am
Forum: Non-US Investing
Topic: Non US How do you invest for Kids University Education?
Replies: 6
Views: 439

Non US How do you invest for Kids University Education?

So it seems for kids university cost, an US investor have access to 529 plan that is tax advantaged

Is there similar thing for non us investor?
by Neus
Thu Jul 09, 2020 8:39 pm
Forum: Non-US Investing
Topic: USD currency risk as a non-US investor
Replies: 27
Views: 1408

Re: USD currency risk as a non-US investor

Perhaps you can consider hedging currency risk with futures In my case of Developing country, our inflation is higher so USD tends to appreciate against us which is good for my USD portfolio But this seemingly good thing cause another problem because our risk free rate is higher so US equity must re...
by Neus
Thu Jul 09, 2020 7:01 pm
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

Ha! The KBWY I hold is paying 12.83%. $10k invested in 8/2014 is worth $7.8k now (including reinvested dividends). Hence the high dividend. Uh that's not good, this is a good reason why not to invest to Individual REITS, hence i wonder is there any diversified REITS ETF with high yield It's not an ...
by Neus
Thu Jul 09, 2020 4:48 am
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

So i just realize, some REITS are paying 10%, for example Simon Property Group Compared to 4% dividend for Vanguard VNQ, Simon Property Group looks very interesting for me Simon appears to have a high yield because their past dividends are high relative to their current share price, which had falle...
by Neus
Thu Jul 09, 2020 3:08 am
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

So i just realize, some REITS are paying 10%, for example Simon Property Group Compared to 4% dividend for Vanguard VNQ, Simon Property Group looks very interesting for me Simon appears to have a high yield because their past dividends are high relative to their current share price, which had falle...
by Neus
Thu Jul 09, 2020 3:03 am
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

Jack Bogle said not to chase yield. He was right. Simon is yielding high because their share price has plummeted and for good reason. You already get REIT exposure through a total market index fund. I wouldn’t put a penny in Simon. Agreed i also wouldn't put much in Individual REITS, therefore here...
by Neus
Thu Jul 09, 2020 3:00 am
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

So i just realize, some REITS are paying 10%, for example Simon Property Group Compared to 4% dividend for Vanguard VNQ, Simon Property Group looks very interesting for me Simon appears to have a high yield because their past dividends are high relative to their current share price, which had falle...
by Neus
Thu Jul 09, 2020 2:57 am
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

Re: High Yield REITS ETF?

So i just realize, some REITS are paying 10%, for example Simon Property Group Compared to 4% dividend for Vanguard VNQ, Simon Property Group looks very interesting for me The problem is i won't dare to put much money in one company, i'll need at least 25 diversified REITS company that pays 10% Is ...
by Neus
Wed Jul 08, 2020 9:23 pm
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6049

Re: "Are You Questioning Your Foreign Stock Funds?"

Yes i do I plan to reallocate all of my Total World into SP500 only for stock allocation The reason is: 1) Expense: 0.2% vs 0.04% for SP500, why pay more for added diversification i don't really need, it's just like paying much more for extra coverage insurance 2) Currency Risk: Much of the internat...
by Neus
Wed Jul 08, 2020 9:17 pm
Forum: Investing - Theory, News & General
Topic: High Yield REITS ETF?
Replies: 12
Views: 824

High Yield REITS ETF?

So i just realize, some REITS are paying 10%, for example Simon Property Group Compared to 4% dividend for Vanguard VNQ, Simon Property Group looks very interesting for me The problem is i won't dare to put much money in one company, i'll need at least 25 diversified REITS company that pays 10% Is t...
by Neus
Wed Jul 08, 2020 9:05 pm
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

...The car is actually RX 270, it actually cost that much in my country, the latest RX300 currently cost USD 100.000 here (Indonesia), and Lexus LX 570 cost USD 300.000 :oops: Thanks for the insight, brings a new point of view about perceived luxury of the car :sharebeer I retitled the thread to in...
by Neus
Wed Jul 08, 2020 9:02 pm
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

How cars are looked at in different countries can be vast. I've ridden in Mercedes E class in Austria as a taxi. Crank wind up windows, no AC, cheap vinyl seats. Almost like we would have treated American Motors cars in the US 30 years ago. Here, they're a premium brand and even the lowest model ha...
by Neus
Wed Jul 08, 2020 8:57 pm
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

I actually own a 2011 RX-350 that I purchased used. Did you write that such a car cost US$76,000 new because that just ain't right. In 2014, it was priced at under US$28,000 used. I don't know what you mean by "cautious", but I would not buy this car for the price you have listed. First, the car is...
by Neus
Wed Jul 08, 2020 10:50 am
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

So.. I have this On and Off itch to own a used Lexus RX year 2011 I already have 2 regular car so i don't need another car, but this itch won't go away I'm not really a car guy but really want to own a lexus because it's lux, comfy, and reliable In the US you can rent premium cars. If you can do th...
by Neus
Wed Jul 08, 2020 10:46 am
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

If you decide to buy this nearly decade old car, expect plenty of repairs due to time soon. It would also make more sense to me for you to drive this Lexus every day. Just sell one of your other cars. An ancient Lexus isn't a Ferrari. It's a highly marketed Toyota. Speaking of Toyota....is there a ...
by Neus
Wed Jul 08, 2020 10:32 am
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

I actually own a 2011 RX-350 that I purchased used. Did you write that such a car cost US$76,000 new because that just ain't right. In 2014, it was priced at under US$28,000 used. I don't know what you mean by "cautious", but I would not buy this car for the price you have listed. First, the car is...
by Neus
Wed Jul 08, 2020 10:27 am
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Re: Justification for Buying Weekend Used Luxury Car (Lexus)

A third car is a “want” not a “need”. It’s a personal decision by you and spouse whether to spend your money this way. We had a third “weekend” car for a year. But after awhile the extra costs for property taxes, insurance and maintenance started to add up. As we were in our 30s with a mortgage, sm...
by Neus
Wed Jul 08, 2020 10:14 am
Forum: Non-US Investing
Topic: Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]
Replies: 16
Views: 752

Justification for Buying Weekend Used Luxury Car (Lexus) [Indonesia]

So.. I have this On and Off itch to own a used Lexus RX year 2011 I already have 2 regular car so i don't need another car, but this itch won't go away I'm not really a car guy but really want to own a lexus because it's lux, comfy, and reliable The vehicle will be used on weekend only The vehicle i...
by Neus
Thu Apr 04, 2019 7:38 am
Forum: Non-US Investing
Topic: Compounding by investing small amount each month
Replies: 4
Views: 1241

Re: Compounding by investing small amount each month

So.. I just learn from quora that with compounding, a mere 1500 usd investment per month will became 2.2million in 30 years https://www.quora.com/What-are-some-good-ways-to-invest-1500-USD-a-month I wonder if this were actually possible as we know the market has downturn period which is ignored on ...
by Neus
Wed Apr 03, 2019 8:45 am
Forum: Non-US Investing
Topic: Compounding by investing small amount each month
Replies: 4
Views: 1241

Compounding by investing small amount each month

So.. I just learn from quora that with compounding, a mere 1500 usd investment per month will became 2.2million in 30 years https://www.quora.com/What-are-some-good-ways-to-invest-1500-USD-a-month I wonder if this were actually possible as we know the market has downturn period which is ignored on t...
by Neus
Mon Apr 01, 2019 8:59 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2385

Re: Can my dad retire? [Indonesia]

Thank you LadyGeek :)
by Neus
Sat Mar 30, 2019 9:04 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2385

Re: Can my dad retire?

cloneman33 wrote:
Sat Mar 30, 2019 4:57 pm
Will he have social security and what will it be? That will be an important piece:
No social security in this case
by Neus
Sat Mar 30, 2019 9:03 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2385

Re: Can my dad retire?

JoeRetire wrote:
Sat Mar 30, 2019 10:46 am
If those assets are the only source of income in retirement, and if your dad would expect to live at least another 20 years, then he should probably keep working for a while.
i see thanks
by Neus
Sat Mar 30, 2019 9:01 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2385

Re: Can my dad retire?

You should be able to get 30 years retirement at 4% annual withdrawal. See the WIKI for more info on various strategies on withdrawal. The question is how accurate is your living expenses? Will he need to buy a car or roof for the house. Is medical expenses in that number? 4% of 450k is $18,000 - s...
by Neus
Sat Mar 30, 2019 10:32 am
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2385

Can my dad retire? [Indonesia]

So i’ve been wondering whether my dad can retire He’s a small business owner, almost 65 years old I think his equity is about $450.000 if all asset liquidated Annual Living expense should be about $20.000-25.000 If so, what is the asset allocation? We’re living in Indonesia so living cost is quite c...
by Neus
Sun Mar 17, 2019 9:11 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

I consider myself a boglehead and a heavy real estate investor. By the time I retire in a few years, I'll probably own between 30-50 single family rentals. And my plan as of now is to NEVER sell them. There is a huge tax benefit to your descendants when you die while owing rentals. My 2 cents: 1. D...
by Neus
Sat Mar 16, 2019 9:50 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

So i wonder how rental property fares in term of income reliability in case my etf stock holding jitters So far the issue is: 1) I find it difficult to raise rent even to match inflation rate 2) The return hasn’t consider the depreciation of the building 3) I’m not sure how long the building will l...
by Neus
Sat Mar 16, 2019 9:44 pm
Forum: Non-US Investing
Topic: Total Return System - Capital Gain Tax on Liquidating Issue
Replies: 9
Views: 825

Re: Total Return System - Capital Gain Tax on Liquidating Issue

BeBH65 wrote:
Fri Mar 15, 2019 9:13 am
Please note that, currently, the ER of the Vanguard World Fund VWRL is higher then the equivalent combo IWDA/EIMI of BlackRock iShares.
Noted, and distributing too, therefore IWDA should be more popular for now
by Neus
Sat Mar 16, 2019 9:36 pm
Forum: Non-US Investing
Topic: Total Return System - Capital Gain Tax on Liquidating Issue
Replies: 9
Views: 825

Re: Total Return System - Capital Gain Tax on Liquidating Issue

I see, so others has this issue too. There is actually an economic effect from capital gains taxes known as investment 'lock in'. Suppose you hold stock ABC but it would be more efficient for both you and the economy as a whole if you could moving to stock XYZ instead. If your holding in ABC has a ...
by Neus
Sat Mar 16, 2019 4:49 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

So i wonder how rental property fares in term of income reliability in case my etf stock holding jitters So far the issue is: 1) I find it difficult to raise rent even to match inflation rate 2) The return hasn’t consider the depreciation of the building 3) I’m not sure how long the building will l...
by Neus
Fri Mar 15, 2019 9:06 am
Forum: Non-US Investing
Topic: Total Return System - Capital Gain Tax on Liquidating Issue
Replies: 9
Views: 825

Re: Total Return System - Capital Gain Tax on Liquidating Issue

Having to pay a lot of capital gains taxes is good, no? It means you have a lot of capital gains - your investments have done well. Well yes. But. Having a lot of capital gains without having to pay a lot of capital gains taxes is better! I wrestle with this problem, but have no easy answer either ...
by Neus
Fri Mar 15, 2019 8:57 am
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 5294

Re: Help to build a three fund portfolio with non-US ETF

Sorry but i can't help to ask, is there a good reason to not choose accumulating ETF? I think accumulated ETF is better in any situation than distributing ETF? In countries that tax dividends as they accrue*, accumulating funds have no advantage and can make tax reporting more difficult. * Which is...
by Neus
Thu Mar 14, 2019 9:47 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

Here's the deal....nobody says it, but it needs to be said: People are inherently dirty. Tenants even more so. If you buy a rental property, you ensure the systems are working properly (plumbing, HVAC, electrical)...and leave it alone. If you make it nice, it won't be nice in 5 years. I live in an ...
by Neus
Thu Mar 14, 2019 6:58 am
Forum: Non-US Investing
Topic: Total Return System - Capital Gain Tax on Liquidating Issue
Replies: 9
Views: 825

Re: Total Return System - Capital Gain Tax on Liquidating Issue

So just in case, what is the strategy to avoid this if the capital gain tax is quite high (in my case it's 30%) There's no "strategy" in general to avoid paying capital gains taxes. It sounds like you are Europe somewhere, because you mention accumulating funds. Taxation issues are extremely locati...
by Neus
Thu Mar 14, 2019 4:42 am
Forum: Non-US Investing
Topic: Total Return System - Capital Gain Tax on Liquidating Issue
Replies: 9
Views: 825

Total Return System - Capital Gain Tax on Liquidating Issue

So in my understanding of total return system, there would be a huge capital gain tax on liquidating if the investment has been running for several years, and let's say getting 100% unrealized gain The reason to liquidate might be switching from distributing fund to accumulating ETF, perhaps to get ...
by Neus
Thu Mar 14, 2019 4:34 am
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 5294

Re: Help to build a three fund portfolio with non-US ETF

galeno wrote:
Wed Mar 13, 2019 12:55 pm
I like distributing funds. We are retired. We like to keep about 5% of port in CASH. That's how we start the year.

We use the 4% rule. 2.6% comes from dividend and interest income. The other 1.4% comes from selling shares.
I see, thank you
by Neus
Wed Mar 13, 2019 10:27 pm
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2168

Re: Asset allocation to Retire 5 years from now with 2,5m

2% real estate rates (presumably after all costs) seems questionable in Indonesia, where interest rates are in the 6% range. Which foreigners are buying apartments in Jakarta when they can get higher yields in London or New York? But, I guess maybe it is just like that. I assume OP knows better tha...
by Neus
Wed Mar 13, 2019 9:59 pm
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2168

Re: Asset allocation to Retire 5 years from now with 2,5m

You believe that your RE is worth 2.5 million $ but fetches a rent of only 2%. Such low rents occur in cities like London UK for very high priced RE that is owned by nonresident foreigners. For them any rent is better than keeping the apartment unoccupied for a very long time. So, what is the cause...
by Neus
Wed Mar 13, 2019 9:55 pm
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2168

Re: Asset allocation to Retire 5 years from now with 2,5m

If you’re sure you’re going to be bored in retirement, why would you retire so young? To my way of thinking, I’d seek out a job that I enjoyed since you’re so young and being bored for 60 years seems like a trap best not walked into. How many places are there to travel too, anyway? $30,000/year for...
by Neus
Wed Mar 13, 2019 9:33 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

Here's the deal....nobody says it, but it needs to be said: People are inherently dirty. Tenants even more so. If you buy a rental property, you ensure the systems are working properly (plumbing, HVAC, electrical)...and leave it alone. If you make it nice, it won't be nice in 5 years. I live in an ...
by Neus
Wed Mar 13, 2019 8:34 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

As already indicated by other posters, there aren't many active real estate investors here. In fact, some regulars on BH are aggressively anti-real estate, so be forewarned. I currently own five doors, in three different states, and use property managers for all. Even with property managers, I stil...
by Neus
Wed Mar 13, 2019 9:14 am
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 5294

Re: Help to build a three fund portfolio with non-US ETF

If you DO NOT need accumulating ETFs, you should use VWRD/VWRL for equities. For bonds use SUAG/IUAG. Keep it simple. Sorry but i can't help to ask, is there a good reason to not choose accumulating ETF? I think accumulated ETF is better in any situation than distributing ETF? The only problem i ca...
by Neus
Wed Mar 13, 2019 5:25 am
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2168

Re: Asset allocation to Retire 5 years from now with 2,5m

You believe that your RE is worth 2.5 million $ but fetches a rent of only 2%. Such low rents occur in cities like London UK for very high priced RE that is owned by nonresident foreigners. For them any rent is better than keeping the apartment unoccupied for a very long time. So, what is the cause...
by Neus
Wed Mar 13, 2019 2:50 am
Forum: Non-US Investing
Topic: Bond allocation on local Certificate of Deposit
Replies: 6
Views: 586

Re: Bond allocation on local Certificate of Deposit

If you are willing, as a local who has a good perception of local stability, to take a risk on Indonesian bonds then I would suggest that you look for Indonesian bonds that are issued in either US$ or Euro. They will carry a lower risk than in local currency since the country will be very reluctant...
by Neus
Wed Mar 13, 2019 1:02 am
Forum: Non-US Investing
Topic: Bond allocation on local Certificate of Deposit
Replies: 6
Views: 586

Re: Bond allocation on local Certificate of Deposit

whodidntante wrote:
Tue Mar 12, 2019 6:09 am
Sure it's ok. But that CD has credit risk, or at least I would assume so. And if you doubt the stability of your home country currency then currency diversification is reasonable. If it's a lot of money involved I would not put it all in a local currency CD.
Thank you for your insight
by Neus
Wed Mar 13, 2019 12:59 am
Forum: Non-US Investing
Topic: Bond allocation on local Certificate of Deposit
Replies: 6
Views: 586

Re: Bond allocation on local Certificate of Deposit

Hi Bogleheads, I wonder due to personal income tax on dividend if i bought Aggregate US Bond ETF, i wonder if it's OK to use local currency CD for Bond Allocation at local currency My country Indonesia: Applies final tax on certificate of deposit Current interest rate after tax is about 6.3% Yearly...
by Neus
Wed Mar 13, 2019 12:17 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 6319

Re: Can i rely on rental property?

You get the same return in the stock market as you do with rentals, for 90,000% less work. In my case, rental is not intended to be like stock, but to be more like bond I can’t stomach more than 50% on stock Therefore 50 stock - 50 bond suits me But i think why not 50 stock - 25 bond - 25 rental re...