Search found 666 matches

by DJN
Wed Jul 01, 2020 8:03 am
Forum: Non-US Investing
Topic: Moving back to europe - disposal of ETFs
Replies: 5
Views: 554

Re: Moving back to europe - disposal of ETFs

Hi, have a look at the Wiki Bogleheads section on Ireland: https://www.bogleheads.org/wiki/Investing_from_Ireland You are probably aware of the onerous taxation regime on funds for Irish tax residents. There is also a section on the Wiki on non habitual residency which might be of interest: https://...
by DJN
Tue Jun 30, 2020 5:11 am
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 45
Views: 5953

Re: US Citizen Retiring in Ireland

And that tax specialist in Ireland is the way to proceed- not just some walk-in chartered accountant's office. This is probably correct, but be aware that the professional advice sector is not easy to navigate there. There are very few advisers that really know about this area and you will be expec...
by DJN
Tue Jun 23, 2020 4:42 am
Forum: Non-US Investing
Topic: Irish alternatives to US domiciled ETFs (IE citizen in IE)
Replies: 3
Views: 255

Re: Irish alternatives to US domiciled ETFs (IE citizen in IE)

Hi, just to move your consideration of options on, here are a few pointers that might be worth thinking about: Pay down expensive debt if any. Think about your overall plan and check your need for a mortgage. Invest in an employer pension scheme if one is available with employer contributions. Optio...
by DJN
Mon Jun 22, 2020 12:02 pm
Forum: Non-US Investing
Topic: Irish alternatives to US domiciled ETFs (IE citizen in IE)
Replies: 3
Views: 255

Re: Irish alternatives to US domiciled ETFs (IE citizen in IE)

Hi, welcome. You are in a unique situation in the most friendly location for non-Irish non-US investors for ETFs and other funds. However for Irish tax resident investors the situation is complicated and relatively negative and unfriendly to a Boglehead style of investing. Start by reading the non-U...
by DJN
Sun Jun 21, 2020 1:57 pm
Forum: Non-US Investing
Topic: Can someone explain the difference in yields for three similar UST bond ETFs?
Replies: 2
Views: 275

Re: Can someone explain the difference in yields for three similar UST bond ETFs?

Hi, this might help: The three ETFs follow three different indices. - SYBT = Bloomberg Barclays US Treasury - GOVT = ICE US Treasury Core Bond - VDTY = Bloomberg Barclays Global Aggregate US Treasury Float Adjusted Bond It might be worthwhile to check the different indices and see if they have diffe...
by DJN
Mon Jun 15, 2020 12:04 pm
Forum: Non-US Investing
Topic: super newbie.. please advise - 24F Singapore
Replies: 3
Views: 423

Re: super newbie.. please advise - 24F Singapore

Hi, welcome. There is a standard format for queries here: https://www.bogleheads.org/wiki/My_portfolio:_seeking_advice The non-US section of Bogleheads Wiki is here: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles I am not sure that I understand your final comment regarding "USD" ETFs. P...
by DJN
Sat Jun 13, 2020 5:19 am
Forum: Non-US Investing
Topic: Easy to change my mind [UK]
Replies: 26
Views: 1391

Re: Easy to change my mind [UK]

Hi, apart from the great pointers you already have received you presumably are already using your tax advantaged allowances as starters, such as ISA's. Vanguard and others also have some great products which take the stress out of allocation. See Bogleheads for non-US investors on the UK here: https...
by DJN
Fri Jun 12, 2020 7:19 am
Forum: Non-US Investing
Topic: "50 something" couple living in Ireland looking for investment advice
Replies: 10
Views: 1022

Re: "50 something" couple living in Ireland looking for investment advice

- US funds up to the $60,000 limit (if you can access them) In this particular case , US funds and ETFs above $60k may be safe from US estate tax, depending on how assets pass. (Moreover, given that this couple file US income tax as 'Married Filing Jointly', US funds and ETFs are currently the only...
by DJN
Fri Jun 12, 2020 4:41 am
Forum: Non-US Investing
Topic: "50 something" couple living in Ireland looking for investment advice
Replies: 10
Views: 1022

Re: "50 something" couple living in Ireland looking for investment advice

Hi, just to repeat, the taxation of funds in Ireland on Irish tax residents is particularly severe. (Also don't forget that Ireland taxes you on your worldwide income). Tax is levied at 41% on all gains applied on an eight year rolling basis on funds (maybe research the local definition of funds), y...
by DJN
Wed Jun 10, 2020 6:23 am
Forum: Non-US Investing
Topic: "50 something" couple living in Ireland looking for investment advice
Replies: 10
Views: 1022

Re: "50 something" couple living in Ireland looking for investment advice

Hi, welcome to the Bogleheads, you will learn as you go along with your research that Ireland is a terrible location for local retail investors with anything less than a very large sum to invest. The complications of a US citizen is something else and there are some here who will assist. Using local...
by DJN
Tue Jun 02, 2020 8:37 am
Forum: Non-US Investing
Topic: Euro savings acct ?
Replies: 15
Views: 1036

Re: Euro savings acct ?

The previous poster is wrong, it has nothing to do with negativity or protectionism. It’s a matter of math (where would banks hold their reserves?) Hi, I am always happy to be wrong. The point I was trying to make about protectionism has nothing to do with rates it is in regards to local banking re...
by DJN
Tue Jun 02, 2020 8:31 am
Forum: Non-US Investing
Topic: 25 year old from italy, seeking investment advice
Replies: 11
Views: 880

Re: 25 year old from italy, seeking investment advice

Hi, in regards to factor investing I would say that there is little evidence to suggest that this is a strategy that will beat the low cost broad indices approach long-term. In any case market movements eventually (pretty quickly) price these advantages away so that if you are hearing about it, ordi...
by DJN
Tue Jun 02, 2020 5:20 am
Forum: Non-US Investing
Topic: Euro savings acct ?
Replies: 15
Views: 1036

Re: Euro savings acct ?

Hi, you are in the weird world of negativity and home country protectionism that is Europe. You didn't mention your base residency, your country of residence may be of importance in terms of the choice. There is a section on Bogleheads Wiki for non-US investors on cash equivalents that provides some...
by DJN
Sat May 30, 2020 6:11 am
Forum: Non-US Investing
Topic: choices to make by retiring
Replies: 14
Views: 2282

Re: choices to make by retiring

Hi, you seem to be in good shape. If you have a pension that is over 60% of your current salary, then you must be well placed. There are a number of questions that would need further clarification to enable a full commentary. For example have you a mortgage or other commitments? I would make sure th...
by DJN
Fri May 29, 2020 10:04 am
Forum: Non-US Investing
Topic: 25 year old from italy, seeking investment advice
Replies: 11
Views: 880

Re: 25 year old from italy, seeking investment advice

Hi, I would suggest that you have a good read of the non-US Bogleheads Wiki before you make any decisions. You can find the introductory page here: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles There is a separate section on Italy: https://www.bogleheads.org/wiki/Investing_from_Italy I...
by DJN
Thu May 28, 2020 2:44 pm
Forum: Non-US Investing
Topic: [How can I invest in a fund which tracks the S&P 500 in US$?]
Replies: 4
Views: 523

Re: [How can I invest in a fund which tracks the S&P 500 in US$?]

Hi,
start here by reading the non-US Bogleheads Wiki: https://www.bogleheads.org/wiki/Outline ... _domiciles
Your tax position is likely to be key to your investment decisions.
DJN
by DJN
Wed May 27, 2020 1:19 pm
Forum: Non-US Investing
Topic: should I consdier stock ETFs that cover EU and other regions?
Replies: 3
Views: 248

Re: should I consdier stock ETFs that cover EU and other regions?

Hi, I am not sure what your question is. VWRA follows the FTSE World stocks allocating to large and mid cap worldwide in accordance to the various regional weightings. To vary that would be biasing your portfolio. Have a read of the Bogleheads WIki for non-US investors: https://www.bogleheads.org/wi...
by DJN
Tue May 26, 2020 2:16 pm
Forum: Non-US Investing
Topic: 20-year-old, ETF portfolio
Replies: 5
Views: 340

Re: 20-year-old, ETF portfolio

Hi,
this is a sensible choice, your risk tolerance is something that will probably become more obvious as time goes by.
DJN
by DJN
Tue May 26, 2020 2:10 pm
Forum: Non-US Investing
Topic: etf portfolio advice
Replies: 4
Views: 439

Re: etf portfolio advice

Hi, have a read of the Bogleheads Wiki sections for non-US investors as a start of your journey. You can find the initial sections here: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles There is no Portugal section yet. But the main principles will be helpful. I believe that a simpler por...
by DJN
Tue May 26, 2020 5:51 am
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 36
Views: 1575

Re: 20-year-old, Investment advice [UK]

hi,
have a good read of the Bogleheads Wiki for non-US investors, there is a whole section for UK investors. Start at the general level here:
https://www.bogleheads.org/wiki/Outline ... _domiciles
good luck,
DJN
by DJN
Thu May 21, 2020 7:45 am
Forum: Non-US Investing
Topic: Investing EUR
Replies: 1
Views: 237

Re: Investing EUR

Hi,
could be something of interest here for you:
https://www.bogleheads.org/wiki/Buildin ... _investors
DJN
by DJN
Thu May 21, 2020 7:42 am
Forum: United Arab Emirates
Topic: Help with non-equity portfolio?
Replies: 3
Views: 425

Re: Help with non-equity portfolio?

Hi, have a look at the Bogleheads section on Wiki for non-US investors on cash equivalents, see here: https://www.bogleheads.org/wiki/Cash_equivalents_for_EU_investors There is also a piece on bonds including shorter term bonds and similar here: https://www.bogleheads.org/wiki/Bond_basics_for_non-US...
by DJN
Wed May 20, 2020 2:12 am
Forum: Non-US Investing
Topic: Complex portfolio non-US
Replies: 2
Views: 331

Re: Complex portfolio non-US

Hi, I am unclear as to your precise question but here are two things to check out: The complex non-US portfolio section in Bogleheads wiki is here: https://www.bogleheads.org/wiki/Complex_non-US_portfolios and I am guessing that maybe that is where you are referencing such a portfolio. This type of ...
by DJN
Tue May 19, 2020 10:20 am
Forum: Non-US Investing
Topic: My higher risk portfolio: seeking advice
Replies: 14
Views: 1235

Re: My higher risk portfolio: seeking advice

Thanks for the reply, tax on the 2.05% would depend on what tax bracket I'm in, but due to not working not paying tax at the moment (with dividends I'm still in the tax free part. And yes it is a authorised deposit taking institution, guaranteed up to 250k. Why should I focus on just a three fund p...
by DJN
Tue May 19, 2020 5:46 am
Forum: Non-US Investing
Topic: My higher risk portfolio: seeking advice
Replies: 14
Views: 1235

Re: My higher risk portfolio: seeking advice

Hi, great news that you have been so diligent with your investing so early on! Good job. Apart from the D20 and the NAB holdings it looks like you are trying to follow some kind of market index, I would sell all of that part and just invest in a simple two or three fund equity folio. Maybe compare y...
by DJN
Sun May 17, 2020 1:21 pm
Forum: Non-US Investing
Topic: Not UCITS ETF
Replies: 2
Views: 290

Re: Not UCITS ETF

Hi, I don't understand your question. What do you mean by harmonised? By the way I don't believe that the fund that you refer to is an ETF, it is likely to be an ETN or an ETC. In the first instance its interesting to read the Bogleheads Wiki sections for non-US investors which you can find here: ht...
by DJN
Sat May 16, 2020 4:27 am
Forum: United Arab Emirates
Topic: UAE Resident Questions - ETFs, estate tax and the like
Replies: 8
Views: 586

Re: UAE Resident Questions - ETFs, estate tax and the like

Hi, there is no capital gains tax applicable while you are tax resident in the UAE. (that might change if they get "desperate" for cash). They introduced VAT recently and there are undoubtedly more taxes in the pipeline. Does Lebanon have a tax treaty with US? How does Lebanon treat its non resident...
by DJN
Fri May 15, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2020 annual report
Replies: 5
Views: 802

Re: Bogleheads® Wiki 2020 annual report

Hi,
this forum and the Bogleheads Wiki is an extraordinary resource for ordinary folk to explore. No mean feat to have prepared over 1,000 pages of financial and investing information, all for zero fees!
Thanks,
DJN
by DJN
Fri May 15, 2020 10:49 am
Forum: Non-US Investing
Topic: Index funds [Belgium]
Replies: 2
Views: 245

Re: Index funds [Belgium]

Hi,
for a starter for ten, have a read of this section of the Bogleheads Wiki:
https://www.bogleheads.org/wiki/Investing_from_Belgium
DJN
by DJN
Fri May 15, 2020 5:35 am
Forum: Non-US Investing
Topic: Tax implications of investing through London Stock Exchange for non-resident investors
Replies: 51
Views: 14126

Re: Tax implications of investing through London Stock Exchange for non-resident investors

Hi, I am a little confused with the text so far, as it is densely laid out! However, I believe that the tax position for a non-domiciled and non resident for tax purposes individual in Ireland on an UCITS fund domiciled in Ireland is zero for the purposes of tax collection in Ireland. (Obviously any...
by DJN
Wed May 13, 2020 9:23 am
Forum: Non-US Investing
Topic: Nomad investing
Replies: 1
Views: 254

Re: Nomad investing

Hi, - IBKR - deGiro - Internaxx - Swissqoute - Saxo These are the most common platforms available. Look at Bogleheads Wiki for non-US investors here: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles Come back with a filled out query sheet in the usual format found here: https://www.bogleh...
by DJN
Wed May 13, 2020 6:38 am
Forum: Non-US Investing
Topic: [France] First time investor lazy/permanent portfolio advice
Replies: 22
Views: 1742

Re: [France] First time investor lazy/permanent portfolio advice

Thank you very much for all the responses. I will re-read the non-US section of the wiki and see if I have further questions. One stupid question: all the lazy portfolios have a % in govt bonds in them. For someone who is starting to build their investment portfolio at the time when govt bonds have...
by DJN
Sun May 10, 2020 5:52 am
Forum: Non-US Investing
Topic: [France] First time investor lazy/permanent portfolio advice
Replies: 22
Views: 1742

Re: [France] First time investor lazy/permanent portfolio advice

Hi, if you have not already read the Bogleheads Wiki for non-US investors its worth spending some time reading: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles The suggested Bogleheads Wiki suggestions for simple passive index funds are contained here in this section: https://www.boglehe...
by DJN
Thu May 07, 2020 7:52 am
Forum: Non-US Investing
Topic: German Resident Questions
Replies: 2
Views: 259

Re: German Resident Questions

Hi,
I don't believe that there is such a thing as an "EU citizen", therefore your country of domicile will be key to your tax situation.
DJN
by DJN
Wed May 06, 2020 2:23 pm
Forum: Non-US Investing
Topic: Investments in Euro
Replies: 9
Views: 759

Re: Investments in Euro

Hi, before you start investing its probably a good idea to have a good read of a few things, start here at the Bogleheads Wiki for non-US investors: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles As soon as you have figured out what you want to do post here for a review of your plan in ...
by DJN
Mon May 04, 2020 3:25 am
Forum: Non-US Investing
Topic: How to set up first large portfolio as a novice? Nomad Freelancer/Residence Issues
Replies: 29
Views: 2093

Re: How to set up first large portfolio as a novice? Nomad Freelancer/Residence Issues

Hi,
in order to give some indicative pointers on what you might do, it would be important to understand your domicile. What's your home country? If you are resident in any country for some number of months a year you may have tax liabilities that you are not aware of.
DJN
by DJN
Wed Apr 29, 2020 7:28 am
Forum: Non-US Investing
Topic: Ways to minimize bank bankruptcy exposure?
Replies: 24
Views: 2214

Re: Ways to minimize bank run exposure?

Hi, if the op is non-US there is a non-US section on Bogleheads Wiki on cash equivalents which talks a bit about bank guarantees. See here: https://www.bogleheads.org/wiki/Cash_equivalents_for_EU_investors The EU bank guarantee scheme is for an amount up to €100,000 per person per insured institutio...
by DJN
Wed Apr 29, 2020 5:37 am
Forum: Non-US Investing
Topic: [Wiki] Bond basics for non-US investors - seeking feedback and contributions
Replies: 42
Views: 5138

Re: [Wiki] Bond basics for non-US investors - seeking feedback and contributions

Apologies for bumping an old thread, but I was wondering if glorat's ideas ever got written down? As a newcomer and someone trying to figure out my fixed-income allocation, the wiki article (since published) is helpful, but there are some questions/topics that aren't readily addressed. For example,...
by DJN
Tue Apr 28, 2020 1:34 pm
Forum: Non-US Investing
Topic: Need comparable funds of GFACX, PEQNX, EHSTX
Replies: 2
Views: 138

Re: Need comparable funds of GFACX, PEQNX, EHSTX

Hi,
try justetf and see if you can find something you like.
https://www.justetf.com/en/find-etf.htm ... =Large+Cap
DJN
by DJN
Tue Apr 28, 2020 4:36 am
Forum: Non-US Investing
Topic: Any downsides to these two Bond ETFs?
Replies: 3
Views: 389

Re: Any downsides to these two Bond ETFs?

Hi, I wouldn't say that ERNA is high risk, its graded by iShares at their lowest risk level. Although the literature state that its for long term investment, I would say that the underlying funds are for shorter term investors. The ETF for me would serve as a location for short term cash needs rathe...
by DJN
Tue Apr 28, 2020 2:43 am
Forum: Non-US Investing
Topic: Any downsides to these two Bond ETFs?
Replies: 3
Views: 389

Re: Any downsides to these two Bond ETFs?

Hi,
these bond funds are short term duration bonds usually used for short term storage. Have a look at the Bogleheads Wiki section on Cash Equivalents for non-US investors: https://www.bogleheads.org/wiki/Cash_eq ... _investors
DJN
by DJN
Mon Apr 27, 2020 8:56 am
Forum: Non-US Investing
Topic: Which UK brokers to use for Ireland domiciled ETFS for African resident
Replies: 4
Views: 189

Re: Which UK brokers to use for Ireland domiciled ETFS for African resident

Expat focused platforms:
- IBKR
- Internaxx / Swissqoute
- Saxo
- deGiro
DJN
by DJN
Mon Apr 27, 2020 8:15 am
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2878

Re: How Boglehead philosophy guides home bias equities for US vs non-US

Hi, from my point of view there is a simple answer to the original posters question, there isn't adequate data yet to prove home bias one way or the other for non-US investors. Assuming that something like 50 years data would be just enough then we are struggling, I couldn't locate any reliable publ...
by DJN
Mon Apr 27, 2020 7:58 am
Forum: Non-US Investing
Topic: UK Pension Vs ISA
Replies: 18
Views: 631

Re: UK Pension Vs ISA

Hi,
here is a reference to the Bogleheads Wiki for the UK: https://www.bogleheads.org/wiki/UK_investing
This might help.
DJN
by DJN
Mon Apr 27, 2020 6:32 am
Forum: United Arab Emirates
Topic: Practical advice for first time investor (best structure etc.) [Germany ex-pat]
Replies: 13
Views: 784

Re: Practical advice for first time investor (best structure etc.) [Germany ex-pat]

But if it will get a lot more complicated to transfer the assets once I've built more wealth, maybe it would still make sense to do it right from the start? Or maybe there is some rule of thumb like "As long as your net worth is under 1 million USD, just invest as a private individual"? Hi, no prob...
by DJN
Sun Apr 26, 2020 12:47 pm
Forum: United Arab Emirates
Topic: Practical advice for first time investor (best structure etc.) [Germany ex-pat]
Replies: 13
Views: 784

Re: Practical advice for first time investor (best structure etc.) [Germany ex-pat]

Hi, from memory when you sign up for IBKR your current jurisdiction will decide which "branch" of IBKR you will use. I think that the UAE uses the US? Anyway when you return to Germany or wherever you will be asked to transfer to the appropriate IBKR location. You will be able to invest up to $60,00...
by DJN
Sun Apr 26, 2020 9:55 am
Forum: United Arab Emirates
Topic: Practical advice for first time investor (best structure etc.) [Germany ex-pat]
Replies: 13
Views: 784

Re: Practical advice for first time investor (best structure etc.)

Hi, you are non-US and maybe start by looking at the Bogleheads Wiki here: https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles There is also a section on Bogleheads for investors resident in the UAE, you should find that easily. I wouldn't bother with individual share picking, its extra risk...