Search found 36 matches

by Rom1b
Sat Mar 10, 2018 12:30 am
Forum: Personal Investments
Topic: Early 30s newbie investor looking for advice
Replies: 6
Views: 1246

Re: Early 30s newbie investor looking for advice

I do not use Dividend-like Funds or ETFs; I find they are quite the hype and dont have time to research.

Our recommendation is if youu dont know too much an investment or dont understand it fully or it needs deeper research you have no time for: stay out of it, for now.

Good luck
by Rom1b
Wed Feb 28, 2018 9:22 am
Forum: Non-US Investing
Topic: Any idea re W8 withholding for former USSR citizens
Replies: 2
Views: 515

Re: Any idea re W8 withholding for former USSR citizens

He sent an email to IB so hopefully they will know the answer but thought I would ask here. Thanks Yes Id go for IB too as a start, they have experience with these profiles. And taxes matter but dont make it a total block. And then educating him and following some of the principles here. Good luck ...
by Rom1b
Wed Feb 28, 2018 8:46 am
Forum: Non-US Investing
Topic: Two young Dutch men want to invest €800K+
Replies: 1
Views: 715

Re: Two young Dutch men want to invest €800K+

Hi! Hello dutchmen, Congrats on your breathtaking success, at such a young age its wonderful, you've certainly earnt it. The Netherlands have a wonderful entrepreneurship culture (and I like the orange colour, and Rotterdam and Amsterdam-but not the red light district because Im a sexy lady). May I...
by Rom1b
Wed Feb 28, 2018 8:33 am
Forum: Non-US Investing
Topic: Upgrading Vanguard Roth IRA to Brokerage IRA as an Ex-Pat
Replies: 1
Views: 304

Re: Upgrading Vanguard Roth IRA to Brokerage IRA as an Ex-Pat

Hi phertick and welcome, Im not american but an expat too. Many expats use Interactive Brokers I believe, which I can only recommend. They're used to working internationally and with expats, have low costs and an excellent free software (when I open it I feel like a Trader.. I get mixed feelings abo...
by Rom1b
Wed Feb 28, 2018 8:31 am
Forum: Personal Investments
Topic: HSA Tax Help with Excess
Replies: 2
Views: 342

Re: HSA Tax Help with Excess

Hello Polo and welcome, Sorry, I'ld like to help you but could you help us help you ? It would be nice if you structure the text and add line breaks / enters, perhaps even structure a bit and highlight your main points or questions (extract essence)- theres a template here somewhere I believe Thanks...
by Rom1b
Wed Feb 28, 2018 8:22 am
Forum: Personal Investments
Topic: Early 30s newbie investor looking for advice
Replies: 6
Views: 1246

Re: US expat / newbie investor looking for advice

Hello and welcome, 1. No it's often not wise not only in investments. But VTI is excellent, but not with the amount of money you have I think (congrats, you're young). Diversify a little, fine grain more, learn, take a bit of risk, learn, make a small mistake, adjust, repeat etc. 2. I believe theres...
by Rom1b
Wed Feb 28, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 178
Views: 54341

Re: Interactive Brokers (Best Kept Secret)

I use IB since a few weeks now and can only say: very low costs, and very professional software, and good support (online at least) Of course they're not non profit but their market perspectives are very big, worldwide (Im in the EU), and they can do economies of scale with their curstomer number an...
by Rom1b
Wed Feb 28, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1169
Views: 706296

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

All credits to Simba (whoever he/she is) for starting this terrific project. Not to all, you're too humble, you've been doing this for years already; but yet and yes of course 'Kudos' (is that still trendy Im a foreigner ? or was it ever?) - to Simba and all the best to him. Once again great versio...
by Rom1b
Fri Feb 23, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1169
Views: 706296

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

Congrats, Im not surprised, its a great tool. With the new things in the newer version I imagine there will be even more in the next weeks.
by Rom1b
Wed Feb 21, 2018 8:01 am
Forum: Personal Investments
Topic: 1/4 of FI for rebalance: Tot bond vs stable value/short term
Replies: 2
Views: 498

Re: 1/4 of FI for rebalance: Tot bond vs stable value/short term

Hello. FI = Fixed Income ? Im not a specialist of the topic but wanted to give a reply. How much fixed income do you have in percent of your total if you dont mind ? How much costs per year this fund you wrote about ? if its actively managed you probably know what most people think about that here.....
by Rom1b
Wed Feb 21, 2018 7:57 am
Forum: Personal Investments
Topic: Asset Allocation
Replies: 12
Views: 1224

Re: Asset Allocation

Hi, Welcome and nice that you start with it so young, dont start too risky, what is the rush, just starting is great and important though and learning. Your plan looks great. 10% is not much but OK, yes go for diversified bonds or bonds with low risks. There are also equities which are less risky, a...
by Rom1b
Wed Feb 14, 2018 9:06 am
Forum: US Chapters
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 3402

Re: Forum's 11th Birthday - Feb. 19th

Its also my GFs birthday, funny. Yes thanks to all the contributors, the Foundation for Literacy and all other initiatives that pursue Jack Bogle's life missions; thanks to him also of course and all he has done for small time people/investors all over the world. I hope I can in the future in my own...
by Rom1b
Wed Feb 14, 2018 3:22 am
Forum: Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 27
Views: 3703

Re: Tax loss harvesting and whether robo-investor fees are worth it

robo-investor Hello. Robo advisors are a nice idea, but in my opinion still in the infancy and with too high fees.. mostly a marketting idea of the big firms. So my opinion: no, definitely not worth it; it will take you a few hours / days to know the basics of passive investing and you can decide w...
by Rom1b
Tue Feb 13, 2018 9:44 am
Forum: Personal Investments
Topic: Detailed finance background with rebalancing questions
Replies: 4
Views: 635

Re: Detailed finance background with rebalancing questions

Hi, I hope Im not rude, but just want to say: very long message! I guess it means you gave it a long thought which is worth a 100 replies here (..maybe more like 10-20). I just add that I like FSTVX, so good choice. Although here we love Vanguard. Also its nice that you and your GF both have money a...
by Rom1b
Tue Feb 13, 2018 8:19 am
Forum: Personal Investments
Topic: Employer Sponsored ROTH IRA to non Employer ROTH IRA
Replies: 14
Views: 1338

Re: Employer Sponsored ROTH IRA to non Employer ROTH IRA

Hi, I do not live in the US and do now know how you can move stuff out of your IRA; but I imagine its possible. I find the idea good though and wanted to say it - these fees are bleeding your returns out; and you should pursue that idea. There are good articles here in the Investment Theory sub-foru...
by Rom1b
Tue Feb 13, 2018 8:15 am
Forum: Non-US Investing
Topic: Brokerage that trades in Canadian stocks, ETF's
Replies: 7
Views: 695

Re: Brokerage that trades in Canadian stocks, ETF's

n00b590 wrote:
Mon Feb 12, 2018 11:35 pm
Interactive Brokers
I use that too.
by Rom1b
Tue Feb 13, 2018 8:15 am
Forum: Personal Investments
Topic: tax gain harvest and Roth conversion ladder in early retirement
Replies: 4
Views: 654

Re: tax gain harvest and Roth conversion ladder in early retirement

Hi. Cant say too much, but there are 'retirement' calculations you could Google (i dont have a link with me). Also about the taxes cant help you too much there, maybe somebody else and there are articles in another sub-section. How much do you have invested ? these 77k ? I think they say the 4% rule...
by Rom1b
Tue Feb 13, 2018 8:09 am
Forum: Personal Investments
Topic: What to do with old 401k
Replies: 4
Views: 640

Re: What to do with old 401k

Hi grosx2 and welcome. Your focus should be in my (and others..) opinion: low-cost investments, no middle man. Pay off debts, save as much as you reasonably can, invest much but reasonably. Whats in your 401k exactly ? Id say keep it there, get more (from Vanguard or others). Cant say about the SEP/...
by Rom1b
Tue Feb 13, 2018 8:03 am
Forum: Personal Investments
Topic: Starting a new account
Replies: 6
Views: 774

Re: Starting a new account

I would like to start to build a new portfolio and I don’t know how to start. The most I can start with is $500 and who can I open an account with. Thank You Hi. We'd be glad to help if you give us a bit more details about you. Do you live in the US ? Age ? Kids ? Debts ? Do you keep a bit of cash ...
by Rom1b
Tue Feb 13, 2018 7:52 am
Forum: Personal Investments
Topic: Financial Advisor???
Replies: 11
Views: 2203

Re: Financial Advisor???

Hi, My recommendation: follow your gut feeling and do not sign anything, at least not at the 1st meeting! If the guy pulls out a form at the 1st meeting, hes definitely pushing something into you..? Some 'advisor' sold a life insurance to my mother recently; bad deal and Im still quite mad. The grea...
by Rom1b
Tue Feb 13, 2018 7:43 am
Forum: Personal Investments
Topic: What is your passive investment sources?
Replies: 7
Views: 1664

Re: What is your passive investment sources?

I am young 23 guy, who wants to start investing small amounts. I have some money invested but I would like to get it to another level, what is your advice? I do not have a lot of investing knowledge so I am using p2p lending platforms as well invested some in Cryptocurrencies, but that's it. I woul...
by Rom1b
Tue Feb 13, 2018 7:36 am
Forum: Personal Investments
Topic: Need help for the portfolio
Replies: 2
Views: 287

Re: Need help for the portfolio

Hi Curious, Welcome. The forum is full of useful information that should adress your questions quickly and efficiently; For example here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=7353 and here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 As if it is a good time ? We dont...
by Rom1b
Tue Feb 13, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1169
Views: 706296

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

Here is a draft of version 17b . Feedback would be appreciated over the week-end before I finalize next week. Thanks Siamond ! Really love this version, excellent work, and some major improvements / novelties. I can recommend to try it out. https://i.imgur.com/S5sFLVzl.jpg Here is an example of the...
by Rom1b
Mon Jan 29, 2018 12:19 pm
Forum: Forum Issues and Administration
Topic: [New forum request] International investing and US non-resident section
Replies: 36
Views: 6777

Re: [New forum request] International investing and US non-resident section

Hi, I'm quite new here but if I could vote I'ld vote for a Non-US Investment section. It is clear that it is extra work, but we'd be very thankful for it; And I believe it was one of Jack Bogle's life missions to help small investors all over the world ? as a non-US I did contribute in my own micros...
by Rom1b
Mon Jan 29, 2018 12:11 pm
Forum: Non-US Investing
Topic: Investing a large amount (300K+) [non-US resident]
Replies: 2
Views: 569

Re: Investing a large amount (300K+) [non-US resident]

Hi, This is a huge sum at a young age, congratulations to you, with wealth comes responsability. I cant help you with the taxes/IRA part. It doesnt seem too reasonable to me that you could benefit from IRA etc., but I might be wrong. The allocation/choice of ETFs seem fine. Id rather allocate 80% th...
by Rom1b
Mon Jan 29, 2018 12:03 pm
Forum: Non-US Investing
Topic: Platform for monthly investing in funds or ETFS - For Europeans
Replies: 5
Views: 982

Re: Platform for monthly investing in funds or ETFS - For Europeans

Hi,

At least here in Germany many brokers offer the possibility to invest a pre-defined amount of money, on a monthls basis, with no cost ('Sparpläne');

Such brokers are:
-OnVista
-ING DiBa
-De Giro?
and probably others

Greetings
by Rom1b
Mon Jan 29, 2018 11:57 am
Forum: Non-US Investing
Topic: Young investor's asset allocation [UK]
Replies: 2
Views: 389

Re: Young investor's asset allocation [UK]

Hi & welcome, Cant answer your question directly, hope others can. My personal choice would be to have perhaps 10% UK, and 20% Europe. For the bonds I'ld also look for a bit more diversification, not only UK, or also split. The rest of the allocation looks good, and nice that you start early, dont w...
by Rom1b
Mon Jan 29, 2018 11:51 am
Forum: Personal Investments
Topic: Recs for ETFs for International exposure (in Tax protected account)
Replies: 4
Views: 567

Re: Recs for ETFs for International exposure (in Tax protected account)

Hi, Also dont know too much about your HSA/ taxes aspects, but some options: -VEA Vanguard FTSE Developed Markets ETF or -VGK Vanguard FTSE Europe ETF -VWO Vanguard FTSE Emerging Markets ETF -VPL Vanguard FTSE Pacific ETF -VNQI Vanguard Global ex-U.S. Real Estate Index Fund ETF https://investor.vang...
by Rom1b
Wed Jan 17, 2018 5:04 am
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2166

Re: Investing Windfall (no country bias)

I'm trying to get advice on this, but as you aren't tied to US, I'm wondering if you might know of any good reading about underlying tax treatment of ETFs or the dangers of moving residence from an ETF standpoint? Yes. I'm also not an expert (but sometimes experts have conflicts of interest..). I c...
by Rom1b
Tue Jan 16, 2018 4:52 pm
Forum: Non-US Investing
Topic: Investing Windfall (no country bias) [Non-US]
Replies: 22
Views: 2166

Re: Investing Windfall (no country bias)

Congrats on the windfall. Yes as somebody said you can overweigh a bit Emerging Markets; or even consider Frontier Markets (small part). A World ETF has for sure more US; but you can counter balance that with a EM ETF, maybe frontier Markets; + some REITs. The 'bull' market has been not only in the ...
by Rom1b
Mon Jan 15, 2018 10:12 am
Forum: Personal Investments
Topic: how to "know" what asset allocation is right? (crypto windfall)
Replies: 39
Views: 6145

Re: how to "know" what asset allocation is right? (crypto windfall)

Amazing, congrats :) Looks like you're down to earth, so choose yourself some nice goals, make educated choices (educated by you!), and enjoy the ride; one idea is to try to work less in the next months and take time to read on investing, life goals etc. You dont need to be agressive with your alloc...
by Rom1b
Mon Jan 15, 2018 9:45 am
Forum: Non-US Investing
Topic: Please help me pick an ETF/portfiolo (Belgium).
Replies: 11
Views: 1839

Re: Please help me pick an ETF/portfiolo (Belgium).

Hello Saqoyalat, DeGiro is OK I guess, they offer possibilities here in germany too, I imagine its comparable; I chose another one but heard costs are low. I hope also their choice of funds / ETFs is OK, and watch for transaction costs. Here in germany many offer free 'Sparpläne'; means you can cont...
by Rom1b
Fri Jan 05, 2018 5:11 pm
Forum: Non-US Investing
Topic: Saying Hi/Thanks and asking for new Portfolio advice
Replies: 5
Views: 602

Re: Saying Hi/Thanks and asking for new Portfolio advice

Are the Bogleheads too sleepy or have no advice for a newbie ? Is it because I wrote more than 2 sentences and this is hard to handle ?

Or would I be better off starting a topic about bitcoins to get some contributions ? :?
by Rom1b
Fri Jan 05, 2018 1:08 pm
Forum: Non-US Investing
Topic: Saying Hi/Thanks and asking for new Portfolio advice
Replies: 5
Views: 602

Re: Saying Hi/Thanks and asking for new Portfolio advice

OP, You might start with the Wiki on EU investing. https://www.bogleheads.org/wiki/EU_investing Thanks WoodSpinner. Checked it earlier; the page is helpful but to be honnest not that detailed. No info on brokers etc.; I think the ETF offer is wider too now. Any comments on the portfolio itself in 1...
by Rom1b
Fri Jan 05, 2018 10:10 am
Forum: Non-US Investing
Topic: Saying Hi/Thanks and asking for new Portfolio advice
Replies: 5
Views: 602

Saying Hi/Thanks and asking for new Portfolio advice

Hi all, First of all I wanted to thank all of you who contribute one way or another to the forum and the site, it's an amazing and huge resource which Im sure has contributed to a lot of people's financial awakening. I'll try to contribute in a similar way in the future where I can, and where and if...
by Rom1b
Fri Jan 05, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1169
Views: 706296

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

I just want to take the chance to thank you, this is an amazing tool! :beer
And thanks for the regular updates and maintenance which are just as much work if not more.
Im not (yet?) a regular user but if I find any obvious problems not present in the previous version, Ill report them.