Search found 243 matches

by Neus
Wed Jun 09, 2021 8:40 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 481
Views: 101696

Re: Interactive Brokers (Best Kept Secret)

Since recently targeted hacks become frequent news, i wonder how safe is our portfolio with IBKR? Neus, what about those hacks raises your concerns specifically about IB? hmm Hackers targeting IB system, wiping out our portfolio data Hackers targetting our account, liquidate and withdraw the money ...
by Neus
Wed Jun 09, 2021 8:35 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 481
Views: 101696

Re: Interactive Brokers (Best Kept Secret)

Hackers targetting our account, liquidate and withdraw the money to their account Have you tried to withdraw money from IB? They don’t make it super easy and that’s if you’re the actual owner! If you’ve seen how much paperwork is required to try to do a third party withdrawal, ie to an account in t...
by Neus
Wed Jun 09, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 481
Views: 101696

Re: Interactive Brokers (Best Kept Secret)

Since recently targeted hacks become frequent news, i wonder how safe is our portfolio with IBKR? Neus, what about those hacks raises your concerns specifically about IB? hmm Hackers targeting IB system, wiping out our portfolio data Hackers targetting our account, liquidate and withdraw the money ...
by Neus
Tue Jun 08, 2021 10:40 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 481
Views: 101696

Re: Interactive Brokers (Best Kept Secret)

Since recently targeted hacks become frequent news, i wonder how safe is our portfolio with IBKR?
by Neus
Tue May 25, 2021 9:32 am
Forum: Personal Investments
Topic: Can I study stocks and beat the market?
Replies: 122
Views: 8390

Re: Can I study stocks and beat the market?

I have never done it myself but I keep hearing my friends making 10x of their initial investment and etc. Basically they got rich quick and were able to retire early or at least beat the market. I am a regular boglehead with very little financial IQ and have been blindly investing in VOO with DCA. ...
by Neus
Mon May 24, 2021 9:33 am
Forum: Non-US Investing
Topic: Any ireland based short term corp bond etf accumulating?
Replies: 11
Views: 1446

Re: Any ireland based short term corp bond etf accumulating?

DJN wrote: Mon May 24, 2021 9:26 am Hi,
Bogleheads WIki for non-US has some information that might be helpful, such as Cash equivalents for shorter term stuff:
https://www.bogleheads.org/wiki/Cash_eq ... _investors
or
https://www.bogleheads.org/wiki/Bond_ba ... _investors
DJN
Thankss
by Neus
Mon May 24, 2021 9:29 am
Forum: Non-US Investing
Topic: Any ireland based short term corp bond etf accumulating?
Replies: 11
Views: 1446

Re: Any ireland based short term corp bond etf accumulating?

tre3sori wrote: Mon May 24, 2021 9:14 am IX5A iShares € Corp Bond ex-Financials 1-5yr UCITS ETF Acc.
Theoretically the duration of 2,86 yrs is a bit too long for a one year investment horizon.
Thanks
by Neus
Mon May 24, 2021 8:58 am
Forum: Non-US Investing
Topic: Any ireland based short term corp bond etf accumulating?
Replies: 11
Views: 1446

Any ireland based short term corp bond etf accumulating?

I think instead of treasury, corp higher yield is more intersting I need the money next year so i prefer put it on short term There’s also inflation worry but TIPS etf seems overpriced already It seems VCSH and IGSB is the one to go, but both are US based So just asking for 2nd opinion if any, anyth...
by Neus
Sun May 02, 2021 5:54 am
Forum: Non-US Investing
Topic: Civil law country, how to handle cognitive degradation?
Replies: 1
Views: 953

Civil law country, how to handle cognitive degradation?

When you’re cognitively degradated due to old age, who will handle your account? ie to withdraw

Assuming u have no kids or dont trust your kids with money

Case in civil law country where trust not recognized
by Neus
Sun May 02, 2021 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Where to park money before buying car
Replies: 22
Views: 1974

Re: Where to park money before buying car

You dont want something that has price risk (risk the price went down)

So.. short term fixed income instrument is best, with maturity date before the purchase date
by Neus
Sun May 02, 2021 5:48 am
Forum: Personal Finance (Not Investing)
Topic: First Time Homeowner - Crazy to Buy Now?
Replies: 19
Views: 2553

Re: First Time Homeowner - Crazy to Buy Now?

4-5 years is definitely rent
by Neus
Fri Apr 30, 2021 8:18 pm
Forum: Investing - Theory, News & General
Topic: Why no love for REITs?
Replies: 208
Views: 29526

Re: Why no love for REITs?

Highly inefficient in tax, makes it underperform relative
to SP500 in total return basis

Might have some merit in some cases, but then there’s not enough diversification and high fees problem
by Neus
Sat Apr 17, 2021 1:31 am
Forum: Investing - Theory, News & General
Topic: Portfoliovizualiser accuracy?
Replies: 3
Views: 587

Re: Portfoliovizualiser accuracy?

https://ibb.co/rsgYrSk Global bond CAGR and E(R) number seems too high? Anyone know how to do cross check calculation? Portfolio Visualizer lists its data sources (click "FAQ"). Download them and you can run your own calculations to cross check. Thanks In your opinion, do you think those ...
by Neus
Fri Apr 16, 2021 11:54 pm
Forum: Investing - Theory, News & General
Topic: Portfoliovizualiser accuracy?
Replies: 3
Views: 587

Portfoliovizualiser accuracy?

https://ibb.co/rsgYrSk

Global bond CAGR and E(R) number seems too high?

Anyone know how to do cross check calculation?
by Neus
Sun Apr 11, 2021 7:20 am
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 867

Re: Remind me how to stick to Strategic asset allocation

I’m considering +- 5% bands but worry about behavioural bias implication, bogle didn’t seem to say anything about SAA bands What behavioral bias implications? Bands are a highly effective approach to maintaining an asset allocation. This is the same as having and following an IPS. Also Mr. Bogle is...
by Neus
Sun Apr 11, 2021 7:18 am
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 867

Re: Remind me how to stick to Strategic asset allocation

OP, Don't do SAA. Instead of 3 funds portfolio, use an all-in-one fund like Target Date Retirement Fund and/or Vanguard Life Strategy fund. KlangFool i’m non us, target date fund not available Which country? I think there might be an ETF version of balanced fund that you can use. KlangFool Indonesia
by Neus
Sat Apr 10, 2021 8:36 am
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 867

Re: Remind me how to stick to Strategic asset allocation

KlangFool wrote: Fri Apr 09, 2021 10:26 pm OP,

Don't do SAA. Instead of 3 funds portfolio, use an all-in-one fund like Target Date Retirement Fund and/or Vanguard Life Strategy fund.

KlangFool
i’m non us, target date fund not available
by Neus
Sat Apr 10, 2021 8:35 am
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 867

Re: Remind me how to stick to Strategic asset allocation

Initial SAA: Age - 10 in eq, so about 75% in eq ... Sanity check: with "Age - 10 in eq" that means you want to increase equities as you get older; is that what you want? It's more often the case that investors want to decrease equities as they get older. Maybe you meant "Age - 10 in ...
by Neus
Fri Apr 09, 2021 11:10 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 256
Views: 27723

Re: What is the BEST thing you spent money on?

Best: Education My kid Apple’s product Samsung Smart TV Oculus Quest 2 Pullup bar Purchasing mistake which i want but turns out don’t like: Road bike Weber grill Home gym including treadmill Wow. Thanks for capturing your mistake list. I like my Weber grill. We make use of the home gym, sometimes. ...
by Neus
Fri Apr 09, 2021 10:21 pm
Forum: Personal Investments
Topic: Remind me how to stick to Strategic asset allocation
Replies: 11
Views: 867

Remind me how to stick to Strategic asset allocation

Initial SAA: Age - 10 in eq, so about 75% in eq Get carried away betting stock will do well, and put 80% in eq. I know it’s wrong, but it pays off So i revise my SAA to age -15 in equity I’m afraid i will change my allocation in the future again instead of stick with it Any tips to sticking? I’m con...
by Neus
Wed Apr 07, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 98
Views: 11241

Re: Retirement: Filling the time?

LoL

Welcome to early retirement reality

Been there, done that

What i do is studying subject that i like, passing hard certification test is fun, maybe earn some certificates just for fun

But this works for me because i like to learn, might not work for you
by Neus
Wed Apr 07, 2021 3:21 am
Forum: Investing - Theory, News & General
Topic: How to find expected return data for bond etf?
Replies: 1
Views: 252

How to find expected return data for bond etf?

I’m trying to find out what is the expected return estimate for this bond etf ticker IB01 and IBTA, both from blackrock, with no avail

Perhaps someone can help me?
by Neus
Sun Apr 04, 2021 3:12 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 256
Views: 27723

Re: What is the BEST thing you spent money on?

Best:
Education
My kid
Apple’s product
Samsung Smart TV
Oculus Quest 2
Pullup bar

Purchasing mistake which i want but turns out don’t like:
Road bike
Weber grill
Home gym including treadmill
by Neus
Sun Mar 28, 2021 10:15 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 14
Views: 3032

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
Sun Mar 28, 2021 9:47 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 14
Views: 3032

Re: 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 ...
by Neus
Tue Mar 23, 2021 8:54 pm
Forum: Personal Investments
Topic: Where to invest home downpayment money?
Replies: 17
Views: 2237

Re: Where to invest home downpayment money?

I have the same problem

So far the option is to put it into IB01 (London) or IBTA (NYSE) etf

It has almost 0 interest rate, but more importantly it’s safe and quite diversified

Don’t choose return on this, choose safety
by Neus
Mon Mar 22, 2021 8:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

I believe that wide diversification of investing assets is critical to achieving good risk adjusted returns both theoretically and practically. 80% in real estate is far too much concentration in a single asset class particularly if that single asset is localized a single specific geographic area I...
by Neus
Mon Mar 22, 2021 8:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

I was nearly 100% in physically held and owned and managed R/E for many decades. Switched slowly to a mostly retirement investment portfolio later in life and in retirement. It is not a path for everyone but worked for me. j :D Oh. it’s your allocation back then? How’s your current Asset allocation...
by Neus
Mon Mar 22, 2021 8:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

Close to 70% in real estate including the primary home and rental properties and syndicated RE deals. Got into RE when the market was super attractive during GFC. 70% off deals on single family homes where rent met 1% rule seemed like a no brainer in the uncertain times when we wanted a revenue str...
by Neus
Mon Mar 22, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

what’s your story? What's your story? I assume it has something to do with why you're asking this question. :wink: I’m in emerging market and didn’t know about invest in us until recently in EM, stock market suck (high fees, not diversified enough), so RE is the only way to go Trying to unload my R...
by Neus
Mon Mar 22, 2021 10:26 am
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

I was nearly 100% in physically held and owned and managed R/E for many decades. Switched slowly to a mostly retirement investment portfolio later in life and in retirement. It is not a path for everyone but worked for me. j :D Oh. it’s your allocation back then? How’s your current Asset allocation?
by Neus
Mon Mar 22, 2021 10:24 am
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

If you do, is it intentional or unintentional? what’s your story? Inheritance from father has caused the asset allocation to be skewed towards Land/Real Estate for 10-20 years. After 10-20 years I get full ownership and will most likely sell it for cash and use that cash to buy stocks and bonds con...
by Neus
Mon Mar 22, 2021 10:24 am
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Re: Anyone else hold >80% in Real estate?

Typically the lower your total net worth this higher your primary home shows up in the percentage. 80% seems a little high since most folks don't have a lot of equity. At one point I was this way...unintentionally because there was also a lot of capital appreciation. For others, they have rental pr...
by Neus
Mon Mar 22, 2021 8:00 am
Forum: Investing - Theory, News & General
Topic: Anyone else hold >80% in Real estate?
Replies: 21
Views: 2277

Anyone else hold >80% in Real estate?

If you do, is it intentional or unintentional?

what’s your story?
by Neus
Mon Mar 22, 2021 7:40 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

A hedged fund simply reduces the VOLATILITY of that fund's share price in the hedged currency. At a very small cost. Ideally you'd want to hedge your world bonds into your local currency. 2nd best is to hedge into the major currency YOUR country uses. Here in Central America it's the USD. So i rere...
by Neus
Wed Mar 17, 2021 10:09 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

A hedged fund simply reduces the VOLATILITY of that fund's share price in the hedged currency. At a very small cost. Ideally you'd want to hedge your world bonds into your local currency. 2nd best is to hedge into the major currency YOUR country uses. Here in Central America it's the USD. So i rere...
by Neus
Wed Mar 17, 2021 8:52 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

A hedged fund simply reduces the VOLATILITY of that fund's share price in the hedged currency. At a very small cost. Ideally you'd want to hedge your world bonds into your local currency. 2nd best is to hedge into the major currency YOUR country uses. Here in Central America it's the USD. So i rere...
by Neus
Wed Mar 17, 2021 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with the Idea of RE at 39 [Retire Early]
Replies: 19
Views: 2096

Re: Struggling with the Idea of RE at 39

Because you can doesn’t mean you will/should

I bet successfull people rarely choose to retire early if they can still do what earns them their wealth
by Neus
Mon Mar 15, 2021 8:02 pm
Forum: Personal Consumer Issues
Topic: Buy House: New or Old Gated [Outside US]
Replies: 5
Views: 756

Re: Buy House: New or Old Gated [Outside US]

You will probably be spending much time inside whichever house you buy, right? Which house do you prefer to be in, to live in for some (or perhaps many?) years? RM Correct Well that’s another confusion The 1st option plot is smaller (66 x 33 feet) so i need to build 3 floor: 1st floor is just for g...
by Neus
Mon Mar 15, 2021 7:54 pm
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

A hedged fund simply reduces the VOLATILITY of that fund's share price in the hedged currency. At a very small cost. Ideally you'd want to hedge your world bonds into your local currency. 2nd best is to hedge into the major currency YOUR country uses. Here in Central America it's the USD. I see, wi...
by Neus
Mon Mar 15, 2021 7:52 pm
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

galeno wrote: Mon Mar 15, 2021 12:03 pm There is a USD hedged distributing UCITS world bond ETF from Ishares called AGUG. It's on the Amsterdam stock exchange.

https://www.morningstar.co.uk/uk/etf/sn ... 0P0001KBHO
Thanks Galeno
by Neus
Mon Mar 15, 2021 7:52 pm
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

Anon9001 wrote: Mon Mar 15, 2021 10:52 am
Neus wrote: Mon Mar 15, 2021 10:47 am It seems the unhedged + accumulating doesn’t existed?
It seems like there is one for Global Government Inflation Indexed Bond. Also if you don't mind buying with Euros there is accumulating and unhedged Global Government Bond.
Thanks anon
by Neus
Mon Mar 15, 2021 10:47 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

Hm i don't understand how hedged global bond works.. Isn't all other currency inside the ETF is hedged to USD ? Due to tax reason, i prefer accumulating and don't mind much about hedged/unhedged.. So if there's accumulating unhedged then great, if not accumulating hedged is the choice It depends wh...
by Neus
Mon Mar 15, 2021 9:26 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

Re: [Indonesia] Hedged or Unhedged Global Bond?

Hedged against what exactly? I don't think AGGU is hedging against Indonesian Rupiah. The only options I could find were for New Zealand Dollar, Swedish Krona, Great British Pound, Euro and United States Dollar. Hm i don't understand how hedged global bond works.. Isn't all other currency inside th...
by Neus
Mon Mar 15, 2021 8:52 am
Forum: Non-US Investing
Topic: [Indonesia] Hedged or Unhedged Global Bond?
Replies: 17
Views: 1261

[Indonesia] Hedged or Unhedged Global Bond?

So.. I'm thinking half of my bond portion that's currently on CD, Our Govt Bond, and Our Moneymarket, is safer to be put into Global Bond ETF But i'm not sure which one, Hedged or Unhedged is better I believe that Indonesian currency will continuously weaken against USD, if this is true, does it mea...
by Neus
Mon Mar 15, 2021 8:38 am
Forum: Personal Consumer Issues
Topic: Buy House: New or Old Gated [Outside US]
Replies: 5
Views: 756

Re: Buy House: New or Old Gated

Do you plan on doing a lot of commuting to the suburb center? If so, then it will probably be nicer, even though the home is older. If the suburb center is where your job is located, then I'd pick the property which is close to the suburb center. Is there a huge price difference? Not much commuting...
by Neus
Mon Mar 15, 2021 4:40 am
Forum: Personal Consumer Issues
Topic: Buy House: New or Old Gated [Outside US]
Replies: 5
Views: 756

Buy House: New or Old Gated [Outside US]

So i plan to buy plot of residential land in the suburb in near future, and currently consider 2 options: Both is on the same suburb, the difference is: 1) It's an older gated land plot, perhaps the oldest house is 25 years old. The Good: - NEARER to the suburb center The Bad: - Most house are old, ...
by Neus
Sun Mar 14, 2021 7:43 pm
Forum: Investing - Theory, News & General
Topic: Ben Felix on the Failure of the Endowment Model
Replies: 34
Views: 4094

Re: Ben Felix on the Failure of the Endowment Model

Average investor have no business with this model Some Institutional need higher withdrawal rate and keep perpetuity, therefore the need to venture into alternative Whether or not those premium is warranted is tricky because the public stock n bond didn’t met the required withdrawal to perpetuity, s...
by Neus
Sat Mar 13, 2021 8:15 pm
Forum: Non-US Investing
Topic: Buy another house while old house unsold? [Asia]
Replies: 19
Views: 2156

Re: Buy another house while old house unsold?

Old house been sitting unsold for 4 years, the RE market in my country has been stagnated and even down for about 5 years now I did initially priced it too high, has been lowering to market price for 2 years, but well no offer yet Even in a slow housing market if it has not sold in two years once y...
by Neus
Fri Mar 12, 2021 11:56 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 481
Views: 101696

Re: Interactive Brokers (Best Kept Secret)

thanks um stock yield enchantment program is still off Does the report provide any insight into the source of the cash? There's gotta be something? At reports -> activity custom date range, can't find explanation of the source of the addition of cash But it seems from the trade amount, the trade th...