Bogleheads.org

ICH

Why not go for VWRA only and call it a day? Add bonds as needed.

ICH

Oh, I understand you are trying to simulate the global index but excluding a large chunk of it. To consider UK and France a proxy for all Europe, means you're disregarding Germany, Switzerland, Spain etc. That's an active bet IMO. If you similarly approximate Asia by using only Japan and China for e...

ICH

Buy VWRD/A and be done with it. The simpler the better. This may result in unnecessary extra taxes. For example, an investor from Japan will not only be taxed twice on dividends from Japan, but will also likely not be able to claim a refund that they would otherwise be entitled to on US dividends. ...

ICH

Buy VWRD/A and be done with it. The simpler the better. This may result in unnecessary extra taxes. For example, an investor from Japan will not only be taxed twice on dividends from Japan, but will also likely not be able to claim a refund that they would otherwise be entitled to on US dividends. ...

ICH

Search here:
https://www.justetf.com/uk/

ICH

Buy VWRD/A and be done with it. The simpler the better.

ICH

Unless you're an exceptional case, you are a tax resident in the UAE. UAE does not issue TINs (Taxpayer Identification Numbers) to its residents.

ICH

What currency will you need the money in? If AED, I believe ADCB still offers 5year term deposits. If USD, a bond ETF with a duration smaller than your targets will be ok. If EUR, don't bother. Due to negative central bank rates, you're not going to find any return with no risk. Might as well keep i...

ICH

Both portfolios are fine by the way.
Option 2 has one less etf, hence preferable. Simpler=better

ICH

Bank accounts.
In several banks. In several countries. In several currencies (because I'm an expat).
Interest rate is the last thing I care, as it's close to zero anyway.

ICH

1. Platform IB is substantially cheaper than Saxo, particularly for >100k usd portfolios where they don'tchargeinactivity fee. You can calculate the costs if you wish. 2. Asset allocation 75% stocks - 25% bonds is ok, assuming you can handle the volatility. That's a personal selection. Whatever you ...

ICH

Check this out: https://ibkr.info/node/1267

ICH

Is this ETF held on the London Stock Exchange? Or is it US held and then subject to US inheritance laws if over the $60k threshold? LSE - It's on the title of your post... Why are VWRA or VWRD being used by those wanting exposure to the S&P 500, of VUSD:LSE:USD ? People who want exposure to the S&P...

ICH

Degiro is certainly a cheap option.
Search also for any retirement or tax free/deferred accounts that may be available in Portugal.

Note: you need a global equity fund, such as VWRD. Why restrict yourself to the S&P500 only?

ICH

Why would you go with ishares? the fees are higher not lower than vanguard IWDA (0.2%) + EIMI (0.18)>VWRD (0.22%). Have you made adjustments to your portfolio holdings since this post? You need to do the math properly. I will give it a try: Say you go for 90%IWDA + 10%EIMI. Cost = 90%*0.2% + 10%*0....

ICH

Also, why would I want to keep my money in the bank when they are not giving me any interest, in the case of Eurozone. What's the alternative? 1. Buy treasuries. Ok, but they are having negative yield! 2. Take on more risk (e.g. many banks push their customers towards mutual funds). Ok, but beats t...

ICH

cabbagehead wrote: ↑
Wed Feb 12, 2020 5:41 am

Equity: VHVE FTSE Developed World (62%) + VFEA FTSE Emerging Markets UCITS ETF (8%)

Why not get VWRD FTSE All World, which combines developed and emerging markets? Simpler.

For ETF listings you can have a look here: https://www.justetf.com/uk/find-etf.html?ls=any

ICH

Vanguard FTSE All-World UCITS ETF (USD) Accumulating and one of the bond funds (they're the same) is enough. Having a car loan at 8% when you get 0.55% in term deposits, makes no sense. Pay it off. It will be the best investment. Assuming it is fixed rate, there will be some penalty for early settle...

ICH

1. As per wiki should be fine. Suggest to keep some of the fixed income in local currency. Do you have access to SSS, Pagibig, PERA, etc? 2. Wait for what? 3. Yes, but depends on your risk tolerance. Would you be ok is stocks dropped by 50% in the next 6 months? 4. Definitely don't keep it in a Fili...

ICH

Online: https://www.mof.gov.ae/en/mservices/Individual/VtAx/Pages/tax.aspx Very easy and fast process. Get all the required papers, scan them, include them in the application and you get the certificate in your email. To use it outside the UAE, you will need to print it, get stamp from MoFA and the ...

ICH

I haven't read that one, but I have read this one and enjoyed it: https://www.amazon.com/gp/aw/d/B078TR1FLP/ref=tmm_kin_title_0?ie=UTF8&qid=1576825752&sr=8-5 Every expat should read it. He has saved thousands of expats in several ways: 1. Preaching the spend below what you earn mantra 2. Debunking a...

ICH

Do you know a local (UAE) broker that give access to the LSE ? Sorry, I don't know any about the UAE except where it is on a map :D Given the wealth there, I'd be shocked if there aren't local brokers giving access to the London Stock Exchange, though. There are. But cost an arm and a leg. Plus the...

ICH

You can ask him if he is a fiduciary, but you already know the answer I guess... From what I see, WM industry is thriving, as usual. Who are the clients? Oh, plenty of victims around. WM throws in a yield of 15% and the sheep follow. Until they discover in a couple of years that 15% was an imaginary...

ICH

. I have just read a book by Andrew Hallam (Global Expatriate's Guide to Investing_ From Millionaire Teacher to Millionaire Expat) in which he says time and time again to stay away from US domiciled investments and brokers. He suggest various brokers but none such as Interactive Brokers which it ma...

ICH

Strange. I opened it a year ago, specifically told them that I am resident in another non-EU country and they were OK with it. I opened it in the UK since I have a bank account there. I don't have a UK postal address, I used my real one.
Maybe it is new requirement. I don't plan on closing my account.

ICH

Anyone have an opinion on AGGU v IAAA? IAAA is Global AAA-AA Govt Bonds. It is USD unhedged, so you will feel the full effect of currency fluctuations. But in panic times, it is likely to increase in value as investors opt for safety. AGGU is Global Aggregate Bond. It is hedged to the USD so no iss...

ICH

For 1 month or 3 years, I would keep it in the bank. Too short duration to consider bonds. Is this your emergency fund or retirement fund? 3 years too short? I'm surprised. It's just an ETF that's easy to buy and sell. 3 years was just a random number, I may not need it again ever. Or I might need ...

ICH

For 1 month or 3 years, I would keep it in the bank. Too short duration to consider bonds. Is this your emergency fund or retirement fund?

ICH

Very strange issue. I don't believe the MF ends up paying double withholding tax than needed. It doesn't make sense. But this is what the statements are saying. I found three USD denominated share classes of the MF, with different expense ratios: IE0002639775 -> Institutional -> 0.10% IE00BFPM9T72 -...

ICH

In Lithuania the highest rate at credit union is 2 % per year and 1 % at the bank. No negative interest. 1. How much is the deposit guarantee? 2. How likely is it that it will be honoured? In Greece you can get 1.6% in 6month term deposits, 0.5% in a savings account. However the answers to the abov...

ICH

Sorry, I forgot to mention. I used this tool which says +165% dividends reinvested . PraefectusDelegatus: Try justetf: https://www.justetf.com/de-en/etf-profile.html?groupField=index&from=search&isin=IE00B5BMR087&query=IE00B5BMR087&tab=chart you can see the effect of different currencies and if you...

ICH

CSPX has tripled since January 2011, while the S&P 500 has increased by less than 150%. Does that mean CSPX is not hedged against currency volatility? I assume the difference in performance is because EUR is so cheap compared to USD? Note: CSPX is accumulating; i.e. the dividends are not distribute...

ICH

You need to grasp the concept of the different types of ETF currencies and mainly the difference between "trading currency" and the currencies of the assets that the ETF holds. There is a nice summary here: https://www.bogleheads.org/wiki/Non-US_investors_and_ETF_currencies . Basically, you choose ...

ICH

Good news. They seem to have made accumulating versions of all their fixed income ETFs. Equity ETFs soon to follow I guess. Expenses: EUR Corporate Bond UCITS ETF -> 0.12% EUR Eurozone Government Bond UCITS ETF -> 0.12% U.K. Gilt UCITS ETF -> 0.12% USD Corporate 1-3 Year Bond UCITS ETF -> 0.15% USD ...

ICH

Greek here also. -While I generally agree that the Vanguard FTSE All-World UCITS ETF is the best all-round etf for your equity exposure, if you go with a Degiro custody account, which is the cheapest solution, you should prefer accumulating etfs. In this case, go with 80-90% iShares MSCI World UCIT...

ICH

Hello, fellow Greek here. Just started reading about investing and would need some help with all that info. Could i pm you for some help? Since we 're becoming a crowd around here, why not post in public? A p.m. will get you one opinion. A post will definitely get you more. And can help another fel...

ICH

The ishares Core Global Aggregate Bond UCITS ETF has a Net Assets of Fund = USD 1,880,903,700. This is divided today (02-April-2019) as follows: AGGG - USD unhedged distributing : USD 306,445,615 AGGU - USD hedged Accummulating : USD 1,049,468,447 AGGH - EUR hedged Accummulating : EUR 294,401,485 AG...

ICH

(which i think there is no treaty for with HK - that is directed towards posters discussing SIPC protection of USD 250k, which is more than 4x the estate tax exemption limit of USD 60k). One should not keep large amounts of cash in a brokerage account - irrespective which brokerage. There are plent...

ICH

IB ensures funds up to 500k, doesn’t it? What would happen if case the portfolio is bigger? Interactive brokers is a SIPC member. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. https://www.sipc.org/for-investors/what-sipc-protects If Interactive Brokers one day ...

ICH

If yes how do i control it? You are already controlling it by having bonds hedged to euro. That's enough, for me. To avoid unnecessary currency conversion when buying / selling the ETFs, buy them in euro (trading currency) as follows : iShares Global Aggregate Bd ETF HAcc IE00BDBRDM35 Global aggreg...

ICH

Did you try to open an account with one of the low cost, online brokers? If successful, you can then invest in ETFs (Vanguard or others).
Try Interactive Brokers, Degiro, Saxo, Internaxx.
Not sure if there are more economical options in Austria.
Definitely don't use an Albanian broker.

ICH

Just to confirm: have you found the UAE bogleheads chapter? We are quite active in the UAE, for passive investors :D 1. IB is OK, if not the best. 2. Irish dom OK. US investors pay additionally capital gains taxes. In UAE you don't. 3. You are confusing the matter here. You want to keep cash as part...

ICH

Thanks ICH, Whats your view on the exchange rate risk? Is it a serious risk for $ bonds on a short term basis? Seems pointless to suffer a negative return on Euro bonds. Whats the cash equivalent alternative? DJN Huge mistake . If you have and need Euros -> stick to euros If you have and need dolla...

ICH

DJN, from all the ETFs you listed, non seem suitable. The only one that I found resembling EUR cash is the one I posted above: https://www.ishares.com/uk/individual/en/products/251741/ishares-euro-government-bond-01yr-ucits-etf iShares € Govt Bond 0-1yr UCITS ETF, Expense Ratio 0.20%. Expect negativ...

ICH

I've never filled in taxes, so that will be something new as well this year. Don't panic! Taxation will follow you for the rest of your life - might as well educate yourself about it. You should be able to find plenty of "how to" guides online. After getting this basic info, and if you still have q...

ICH

Thesaints, Up Northern Europe, where 5-year treasuries are 0 to negative, I would expect the short term treasuries to be deep negative. I could be wrong. However, this means that you are guaranteed to lose capital. In the South, where you can get some positive yields, I doubt 6-month treasuries beat...

ICH

Not an etf, buy those bonds directly. You can choose basically any amount and fees are very minimal. If your objective is safety of principal, that’s the way to go. Maturity, you can pick anywhere from 3 months or longer. My suggestion would be to buy new emissions, rather than on the secondary mar...

ICH

I also saw that Vwrd is not a good etf to hold, as when selling it today the spread was around 1%. Buying iwda was very quick and easy with very small spread. This should get more attention on this forum. In principle, VWRD is the ultimate, one and only, stock ETF to hold: -Developed + emerging in ...

ICH

DJN wrote: ↑
Mon Mar 18, 2019 2:48 am
... after the GFC and the EU is looking to tighten regulations ...

GFC = 2009
Now = 2019

Yup, sounds like the EU taking swift action again

ICH

Protection of checking/savings accounts is typically 100k Euro. Not always. Need to check and confirm on a case by case basis. Not only that the financial institution is covered by also that the product you're buying is covered. I have come across products sold as fixed term deposits but if you rea...

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