Search found 34 matches

by duricka
Sat Oct 26, 2019 7:44 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 406
Views: 46924

Re: Best CD rates thread

A noob question: is my p.s.e.c.u member account number the thing I use for direct deposit when they ask me for account number?
by duricka
Sun Aug 11, 2019 8:33 am
Forum: Non-US Investing
Topic: So what's the consensus on bond ETFs for EU investor?
Replies: 22
Views: 1774

Re: So what's the consensus on bond ETFs for EU investor?

US domiciled so many brokers will withhold 30% "dividend" taxes even though they are not supposed to This should be solvable. Next to that, I believe Vanguard would no better than to charge taxes that don't apply to interest. Only has US fixed income, no international (which is weird for a EUR base...
by duricka
Sun Aug 11, 2019 8:01 am
Forum: Non-US Investing
Topic: Foreign investors - seeking less dividends [Israel]
Replies: 13
Views: 710

Re: Foreign investors - seeking less dividends [Israel]

Why US domiciled ETFs? The US/Israel tax treaty rate of 25% US tax on dividends isn't much better than the US's 30% non-treaty rate. You don't pay taxes on interest from US bonds. And Israel has no estate tax treaty with the US, meaning that anything you hold in 'US situs' assets above a miserly $6...
by duricka
Thu Aug 08, 2019 9:04 pm
Forum: Non-US Investing
Topic: So what's the consensus on bond ETFs for EU investor?
Replies: 22
Views: 1774

Re: So what's the consensus on bond ETFs for EU investor?

How about BND for 50k? Acceptable yield, no US dividend taxes.
by duricka
Mon Aug 05, 2019 8:57 pm
Forum: Non-US Investing
Topic: [Wiki] Bond ETF Non US resident withholding tax
Replies: 28
Views: 2397

Re: [Wiki] Bond ETF Non US resident withholding tax

I tried at the same time US-based treasury ETF and the broker was taking 30% tax on the interest.
That's interesting. Which ETF was it? And do you remember the year?
by duricka
Fri Aug 02, 2019 10:48 am
Forum: Non-US Investing
Topic: So what's the consensus on bond ETFs for EU investor?
Replies: 22
Views: 1774

Re: So what's the consensus on bond ETFs for EU investor?

If able, would you considered buying US bond funds? I think interest is not taxed for NRAs.
by duricka
Tue May 28, 2019 8:23 am
Forum: Non-US Investing
Topic: Sell when I get to CH?
Replies: 1
Views: 483

Sell when I get to CH?

From what I learned, for NRAs in Europe it's better to hold VUSD than VOO. Should I sell VOO while still in US, or wait till I move to a lower tax country :)
by duricka
Mon May 27, 2019 5:08 pm
Forum: Non-US Investing
Topic: Leaving the country, to sign up for Fidelity or for Schwab
Replies: 6
Views: 1151

Re: Leaving the country, to sign up for Fidelity or for Schwab

Thank you everybody!

How about IB? Do you have some experience as expats?
by duricka
Sun May 19, 2019 8:22 pm
Forum: Non-US Investing
Topic: Leaving the country, to sign up for Fidelity or for Schwab
Replies: 6
Views: 1151

Leaving the country, to sign up for Fidelity or for Schwab

I heard these two work well for resident with a EU address. I mostly plan to buy bonds/bond funds, low six digit figure.
Do you have some preference?
by duricka
Sun May 19, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: To invest in bnd for 2.5 years?
Replies: 17
Views: 2666

Re: To invest in bnd for 2.5 years?

Thank you all. Let me do some research about all the ideas. I am noob to this game.
by duricka
Sat May 18, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: To invest in bnd for 2.5 years?
Replies: 17
Views: 2666

To invest in bnd for 2.5 years?

I want to buy bonds and sell them in 2.5 years. I see that a bond fund offers better yield than individual b, but I am worried I could end up net negative given the short time horizon (if price drops 5%). Would buying bonds be better?
by duricka
Tue May 14, 2019 6:33 pm
Forum: Investing - Theory, News & General
Topic: How to interpret price of BND?
Replies: 5
Views: 1003

How to interpret price of BND?

If BND is $81.19 what does it mean?
Does it mean I earn 1% less when compared to BND bought for $80.38?
At what point it's better to buy bonds directly?
by duricka
Thu May 02, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't VT be a zero sum game?
Replies: 24
Views: 1869

Re: Shouldn't VT be a zero sum game?

If real salaries have stayed the same and the population has increased 40% then there is 40% more real dollars of wages available to spend.
Do you expect US population to grow 40% in next 40 years?
by duricka
Thu May 02, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't VT be a zero sum game?
Replies: 24
Views: 1869

Re: Shouldn't VT be a zero sum game?

The money supply is controlled by bank lending and government spending. Apple hoarding cash does not mean there is less money to go around. I agree that banks have impact on amount of money. So we are counting on banks increasing money mass to justify why VT will grow? We are protecting from this q...
by duricka
Thu May 02, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't VT be a zero sum game?
Replies: 24
Views: 1869

Re: Shouldn't VT be a zero sum game?

I would agree with you. Diesel car is worth $20k to me, but EV would be worth $30k. However, if my pay stays the same (and on average real salaries in US haven't grown that much in last 40 years), why would I expect both Toyota and BYD to succeed? Also, wouldn't there be a limit on how much one can ...
by duricka
Thu May 02, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't VT be a zero sum game?
Replies: 24
Views: 1869

Shouldn't VT be a zero sum game?

When I buy some stock, say Facebook, I am betting against TV commerials and small networks. So if FB gets more ads money, I win, if TVs win, I lose. However, in world market, ignoring companies not listed, inflation and part of the world VT ignores, why would we expect VT to grow in the long run? My...
by duricka
Thu Apr 25, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2661
Views: 1736735

Re: The Three-Fund Portfolio

I have read the whole thread. LadyGeek is doing a great job removing spam, but still probably 30% of comments don't add any value. I could imagine what it would look like without moderation. My question is for the motivation to include non-us index fund in my portfolio? I am going to read Swedroe as...
by duricka
Sat Mar 30, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: How to validate rule of thumb?
Replies: 1
Views: 325

How to validate rule of thumb?

In last 4 months bnd price rose almost 5%.
If rule of thumb is correct that means there should be about 1% decrease of yield.
How to check if that is correct?
by duricka
Tue Mar 19, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: "How to Build a Portfolio You Don't Have to Babysit"
Replies: 18
Views: 2880

Re: "How to Build a Portfolio You Don't Have to Babysit"

Thanks, but I am still missing the connection. > This article looks at how ETFs and traditional index mutual funds compare in various areas." What is index mutual fund? I thought index and mutual are two distinct types . A mutual fund is the investment vehicle (defined as "an investment program fund...
by duricka
Tue Mar 19, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: "How to Build a Portfolio You Don't Have to Babysit"
Replies: 18
Views: 2880

Re: "How to Build a Portfolio You Don't Have to Babysit"

> This article looks at how ETFs and traditional index mutual funds compare in various areas."

What is index mutual fund? I thought index and mutual are two distinct types .
by duricka
Fri Feb 08, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: If there is high chance I will need that money in 5 years, should I put it in a bond fund?
Replies: 2
Views: 655

If there is high chance I will need that money in 5 years, should I put it in a bond fund?

We are putting aside a few hundred thousand for an apartment. Rest of the money is currently in stocks and 401k. We plan to buy an apartment in 5 years. If I can estimate, at the moment I would say there is: - 50% chance it would be 2023, - 20% we go for 2024, - 30% we continue renting. I will know ...
by duricka
Fri Jun 15, 2018 1:06 am
Forum: Investing - Theory, News & General
Topic: Diversified portfolio but still too much Apple, Microsoft, etc.
Replies: 13
Views: 1832

Re: Diversified portfolio but still too much Apple, Microsoft, etc.

I, too, am concerned about this for some time, especially about Amazon, Tesla and Netflix being a too big part of my funds...
by duricka
Thu Jun 14, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Should I worry about taxation of seller's accured interest in buying tbills?
Replies: 2
Views: 440

Should I worry about taxation of seller's accured interest in buying tbills?

For now I bough only those bills that had 0 accrued interest. Should I assume Schwab will correctly report my part of profit if I buy a t bill with non-zero interest paid to the seller?
by duricka
Mon Jun 04, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: How are dividends from ADR taxed?
Replies: 2
Views: 502

How are dividends from ADR taxed?

In my schwab i own Novartis ADR (NVS) and I got $500 dividend and had to pay about $80 to Switzerland for taxes.

How will this be calculated in my yearly IRS taxes?
by duricka
Tue May 22, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 16846

Re: US T bills - first time user

What does this mean "Tenders at high rate were alloted at 54.11%"? I saw it in the "Review order page".
by duricka
Tue May 22, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 16846

Re: US T bills - first time user

Thank you all for explanation.
by duricka
Tue May 22, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 16846

US T bills - first time user

I would like to buy some 3 month bills, is YMT a good indicator of which one to buy or should do some math of all these columns?
Image
by duricka
Tue Apr 10, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: Large cap ETF with negative cash flow growth
Replies: 2
Views: 443

Large cap ETF with negative cash flow growth

Is negative CFG a red flag for not buying an ETF? Price/Earnings (TTM) 11 Price/Book (TTM) 1.13 Price/Revenue (TTM) 0.77 Price/Cash Flow (TTM) 6 Sales Growth (Forecast) 4 Cash Flow Growth (Forecast) -5 Book Value Growth (Forecast) 7 Long Term Earnings (Forecast) 18 Historical Earnings (Past 3 Year) 6
by duricka
Thu Nov 09, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Would other party's insurance cover car rental?
Replies: 6
Views: 763

Re: Would other party's insurance cover car rental?

Thanks. I am ok, just a little head to steering-wheel hit. My car insurance doesn't cover rental car.
They told me they can't guarantee that the other insurance will pay for the bills, so I wanted to see if anyone knows problems with this kind of claims. Thanks!
by duricka
Wed Nov 08, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Would other party's insurance cover car rental?
Replies: 6
Views: 763

Would other party's insurance cover car rental?

Two days ago a driver hit my car from behind on the highway. (if relevant: that moved my car that then hit car in front of me) I am going tomorrow to the scheduled appointment (via my insurance, not Metromile other driver is using) and they will probably take my car for at least a week. If I go to E...
by duricka
Sat Oct 28, 2017 1:00 pm
Forum: Personal Investments
Topic: Transform stock + cash into a better portfolio
Replies: 4
Views: 486

Re: Transform stock + cash into a better portfolio

@mhalley

Thanks for your comment. I would love to have some asset related to real estate. As I don't plan to spend more than 3 more years in San Francisco, I think that buying a house here is not the best option (and prices are crazy).
by duricka
Sat Oct 28, 2017 12:41 pm
Forum: Personal Investments
Topic: Transform stock + cash into a better portfolio
Replies: 4
Views: 486

Re: Transform stock + cash into a better portfolio

Thanks ThrustVectoring. I do have most of my assets in stocks (mostly individual stocks, and few indexes).
I will look into "un-hedged European bonds".
by duricka
Sat Oct 28, 2017 9:47 am
Forum: Personal Investments
Topic: Transform stock + cash into a better portfolio
Replies: 4
Views: 486

Transform stock + cash into a better portfolio

Hi friends, I (30 years old) currently own stocks and cash. I would like to invest 300k of that cash. I believe US stock market is too expensive at the moment. I am average on risk tolerance, but I am disciplined. I plan to go back to EU in a couple of years, buy a house and have some kids. Could yo...