Search found 117 matches

by Neus
Thu Apr 04, 2019 7:38 am
Forum: Non-US Investing
Topic: Compounding by investing small amount each month
Replies: 4
Views: 1220

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: 1220

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: 2323

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: 2323

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: 2323

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: 2323

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: 2323

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: 5986

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: 5986

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: 768

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: 768

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: 5986

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: 768

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: 4717

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: 5986

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: 768

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: 768

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: 4717

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: 2100

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: 2100

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: 2100

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: 5986

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: 5986

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: 4717

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: 2100

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: 561

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: 561

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: 561

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: 5986

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...
by Neus
Wed Mar 13, 2019 12:14 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

I have 3 types of properties: 1) Unmanaged rental (Yearly rent) 2) Managed rental (Monthly rent), more like a hostel but monthly rent, with one building consist of 20 tenant 3) Land holding with no yield but good capital appreciation Your question is “can you rely on property” but I am not sure wha...
by Neus
Wed Mar 13, 2019 12:07 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

My parents never owned any stocks or bonds, just real estate. Might have had something to do with lasting effects of the 1930's crash. As others have said, it's a business, and they put in a lot of sweat equity and made plenty of mistakes. In addition to funding their own retirement, they provided ...
by Neus
Wed Mar 13, 2019 12:01 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

For the small investor rentals are a completely different class of investment than stocks or bonds. 1. Rentals done right require WORK . They are the furthest an investor can get from a passive investment. This is both a good and a bad thing. The bad is the time involved. The good is that, if you d...
by Neus
Tue Mar 12, 2019 8:52 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

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
Tue Mar 12, 2019 8:44 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

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
Tue Mar 12, 2019 8:38 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

Yes, income from (and appreciation of) rentals is not a sure thing. The one thing that is sure, though, is that they will require work on your part, as opposed as a Total Stock Market ETF, which will require virtually none. For sure. Rental property is a perfectly reasonable investment and holding ...
by Neus
Tue Mar 12, 2019 8:27 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

5% return is pretty low for rental property. I know it's very geographically centered as to what returns you're getting. But, in my area, Charlotte, NC, I can see 10% to 20% COC ROI. You should make sure you vet your rentals and not get hung up on a deal. Let's don't go down the path of "are rental...
by Neus
Tue Mar 12, 2019 8:57 am
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2100

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

Enter "perpetual withdrawal rate" in the search box at the top right of this page. This does a Google search that is restricted to this forum. The quoted snippets seem to indicate 2% to 2.5% per year (inflation adjusted) should last "forever" (or at least until the next nuclear war or asteroid stri...
by Neus
Tue Mar 12, 2019 8:54 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

So far the issue is: 1) I find it difficult to raise rent even to match inflation rate That's a mistake. 2) The return hasn’t consider the depreciation of the building That's a mistake. 3) I’m not sure how long the building will last before need to rebuild That's a mistake. But selling all rentals ...
by Neus
Tue Mar 12, 2019 8:54 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

Not enough information. What is your ROI? What ROI did you expect when you started? Why did you buy a building you think might fall down? If you want consensus from BH strangers, the consensus comes down against rentals. Over and over. Many former landlords, many too scared. Returns are ENHANCED by...
by Neus
Tue Mar 12, 2019 5:51 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

Not enough information. What is your ROI? What ROI did you expect when you started? Why did you buy a building you think might fall down? If you want consensus from BH strangers, the consensus comes down against rentals. Over and over. Many former landlords, many too scared. Returns are ENHANCED by...
by Neus
Tue Mar 12, 2019 5:36 am
Forum: Personal Investments
Topic: Asset allocation to Retire 5 years from now with 2,5m
Replies: 10
Views: 2100

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

Hi Bogleheads So.. I currently at mid 30s with most of my net worth currently tied to real estate Real estate in my country is currently soft with rental around 2% but i plan to take my time and wait for a better price Assume liquidation most of real estate at 3-5 years from now, by lowest estimate ...
by Neus
Tue Mar 12, 2019 5:11 am
Forum: Non-US Investing
Topic: Bond allocation on local Certificate of Deposit
Replies: 6
Views: 561

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
Tue Mar 12, 2019 3:58 am
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

Re: Can i rely on rental property?

Thesaints wrote:
Tue Mar 12, 2019 1:38 am
Yes, income from (and appreciation of) rentals is not a sure thing. The one thing that is sure, though, is that they will require work on your part, as opposed as a Total Stock Market ETF, which will require virtually none.
ic.. so the consensus among bogleheads is none on rental property?
by Neus
Mon Mar 11, 2019 11:58 pm
Forum: Personal Investments
Topic: Can i rely on rental property?
Replies: 64
Views: 5986

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 la...
by Neus
Thu Mar 29, 2018 10:13 am
Forum: Non-US Investing
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 1230

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

Here's screenshot at current time (10.07 PM my time), it's equivalent of 10.07 AM Eastern Time. This means both LSE and NYSE is on trading hours https://thumb.ibb.co/eVtCen/IWDA_not_sync.png Notice that today it's IWDA and VWRD is up 1.x%, while VT is barely up I might be wrong on this; but this is...
by Neus
Tue Mar 27, 2018 10:24 pm
Forum: Non-US Investing
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 1230

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

Here's screenshot at current time (10.07 PM my time), it's equivalent of 10.07 AM Eastern Time. This means both LSE and NYSE is on trading hours https://thumb.ibb.co/eVtCen/IWDA_not_sync.png Notice that today it's IWDA and VWRD is up 1.x%, while VT is barely up I might be wrong on this; but this is...
by Neus
Tue Mar 27, 2018 10:15 am
Forum: Non-US Investing
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 1230

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

IWDA does not include Emerging Markets. VT and VWRD overlay exactly, for all practical purposes, over any period from 10 days to 5 years. Yes, they do not overlay on an hourly basis but for all practical purposes they overlay very closely (within 0.5%) on a daily basis. Just plot the two on bigchar...
by Neus
Tue Mar 27, 2018 10:13 am
Forum: Non-US Investing
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 1230

Re: Ireland Domiciled ETF at LSE not synchronize with US counterpart

Partial explenations: - at opening of the markets, i have seen that the price of the worldwide ETFs is a bit erratic, as they still adjust to the changes that happened overnight on the other exchanges. - the indexes are not the same: some include EM, Others (like IWDA) don't. - i assume you are loo...
by Neus
Mon Mar 26, 2018 9:19 pm
Forum: Non-US Investing
Topic: Ireland Domiciled ETF at LSE not synchronize with US counterpart
Replies: 14
Views: 1230

Ireland Domiciled ETF at LSE not synchronize with US counterpart

Hi Fellow Bogleheads, Can anyone enlighten me why Ireland Domiciled ETF listed at LSE is not moving in sync with it's US domiciled counterpart? For example for total world ETF, last night VT rise significantly about 2% while VWRD and IWDA is down And no this is not because LSE trading time close ear...
by Neus
Sun Mar 11, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation
Replies: 10
Views: 1359

Re: How Index ETF is considered liquid when capital gain tax is ready to hit on liquidation

Epsilon 2. Yes i believe there is a way to wash the unrealized capital gain by being temporary permanent resident on capital gain tax free country, but not sure yet. But this is not abut me. This is about general bogleheads investment strategy and i see that a US person will pays 20% rate for long ...