Search found 63 matches

by Sinsji
Fri Aug 23, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Practically speaking, what are negative interest rates
Replies: 16
Views: 2655

Re: Practically speaking, what are negative interest rates

I have a related question on negative interest rates: Another post suggested short term TIPS and commodities as the best protection against unexpected inflation. This made me curious about QE and the implications for individual investors. What is the practical difference between: 1) Quantitative eas...
by Sinsji
Thu Aug 22, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Practical difference: negative interest vs inflation?
Replies: 8
Views: 925

Practical difference: negative interest vs inflation?

Another post suggested short term TIPS and commodities as the best protection against unexpected inflation. This made me curious about QE and the implications for individual investors. What is the difference between: 1) Quantitative easing: Central Banks buy assets from financial institutions and re...
by Sinsji
Wed Aug 14, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 59
Views: 7286

Re: Simplicity ["Minimalism” Movie on Netflix]

The book Walden is partly about separating yourself from continuous external distractions. Two (recent) book suggestions whose content I would like to apply better myself: 1. Lead Yourself First: Inspiring Leadership Through Solitude by Raymond M. Kethledge and Michael S. Erwin. https://www.amazon.c...
by Sinsji
Tue Aug 13, 2019 3:30 pm
Forum: Non-US Investing
Topic: Comparing VWRA with IWDA+EMIM combination
Replies: 22
Views: 2705

Re: Comparing VWRA with IWDA+EMIM combination

After gave advise on my personal plan, I found out about VWRA on this forum as well: ( https://www.bogleheads.org/forum/viewtopic.php?f=22&t=287965 ). Currently I've got IWDA and EMIM. The little link below compares iShares MSCI World ETF (88%) + iShares Core MSCI Emerging Markets ETF (12%) with 100...
by Sinsji
Tue Aug 13, 2019 11:54 am
Forum: Non-US Investing
Topic: Feedback on plan (NL/EU) appreciated!
Replies: 8
Views: 582

Re: Feedback on plan (NL/EU) appreciated!

The free float of Emerging markets is about 10-15% of the total world free float. Related to differences between EM funds, - IEMA : ER=0.65% : is only large caps -- the fund that you mention -- this one that is not often mentioned - EMIM : ER=0.18% : is full market incl mid-caps en small-caps -- mo...
by Sinsji
Tue Aug 13, 2019 7:13 am
Forum: Non-US Investing
Topic: Personal Investment Policy Statement - please review
Replies: 12
Views: 974

Re: Personal Investment Policy Statement - please review

Hey for my education: why do you split the bond portion into 15% EURO hedged and 15% dollar?

My assumption is you don't know how both currencies will develop and you spread your bets :?:
Or is it related to where you (intend) to live?
by Sinsji
Tue Aug 13, 2019 7:07 am
Forum: Non-US Investing
Topic: Feedback on plan (NL/EU) appreciated!
Replies: 8
Views: 582

Re: Feedback on plan (NL/EU) appreciated!

The free float of Emerging markets is about 10-15% of the total world free float. Related to differences between EM funds, - IEMA : ER=0.65% : is only large caps -- the fund that you mention -- this one that is not often mentioned - EMIM : ER=0.18% : is full market incl mid-caps en small-caps -- mo...
by Sinsji
Mon Aug 12, 2019 9:04 am
Forum: Non-US Investing
Topic: Feedback on plan (NL/EU) appreciated!
Replies: 8
Views: 582

Re: Feedback on plan (NL/EU) appreciated!

Your AA and funds seem OK. - Reits are stocks, they are not stable assets, they need to be classified in your equity allocation. To nitpick: - your EM% seems high - EM is about 12-&'% of the total stock market - you have overweight to about the double. - you play account with individual stocks is a...
by Sinsji
Mon Aug 12, 2019 6:51 am
Forum: Non-US Investing
Topic: Feedback on plan (NL/EU) appreciated!
Replies: 8
Views: 582

Feedback on plan (NL/EU) appreciated!

Currently I put savings aside according to the following plan: Equity: : 76.25% 1. iShares acc developed markets large cap (IE00B4L5Y983), 43.1% 2. iShares acc developed markets small cap (IE00BF4RFH31), 7.2% 3. iShares acc emerging markets (IE00BKM4GZ66), 18% 4. Individual stocks, 7.5% "Fixed" : 23...
by Sinsji
Fri Aug 09, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Inflation then and now?
Replies: 5
Views: 717

Inflation then and now?

A few quotes from the following article reminded me that I don't really understand this whole quantitative easing thing. https://www.investopedia.com/articles/economics/09/1970s-great-inflation.asp The title is "How the Great Inflation of the 1970s Happened" Quote 1: "The easy-money policies of the ...
by Sinsji
Fri Jun 07, 2019 3:29 am
Forum: Investing - Theory, News & General
Topic: The Economist: "Picking managers on the basis of past performance is a mug’s game."
Replies: 7
Views: 1189

The Economist: "Picking managers on the basis of past performance is a mug’s game."

For anyone interested: https://www.economist.com/business/2019/06/06/troubles-at-the-woodford-investment-group-point-to-a-wider-trend Passing 'outline.com/' between the // and www enables some readers to read the article, if not possible initially! https://outline.com/www.economist.com/business/2019...
by Sinsji
Sat Apr 27, 2019 3:42 am
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

For those wanting to apply a similar strategy in Europe, I have estimated an "albeit-similar" portfolio for us the Europeans. Some caveats: - There is currently no x3 leveraged ETF for stocks, nor for treasuries, in Europe that I could found - There is no leveraged MSCI World ETF, therefore I had t...
by Sinsji
Wed Apr 24, 2019 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling individual stock.
Replies: 14
Views: 1497

Re: Selling individual stock.

Hey. Consider something more diversified for at least a part of that holding! You should be pretty confident on this company if you keep 56% into it (680.000?)! It's easy to imagine a scenario where you would be waiting years for this stock to recover from losses. You don't really lose mony from tak...
by Sinsji
Fri Apr 05, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: FT: "Has the yield curve predicted the next US downturn?"
Replies: 8
Views: 1036

Re: FT: "Has the yield curve predicted the next US downturn?"

A Google search on the exact string https://www.google.com/search?client=safari&rls=en&q=FT:+%22Has+the+yield+curve+predicted+the+next+US+downturn%3F%22&ie=UTF-8&oe=UTF-8 and click on the top Google hit got me past the paywall. In essence, the yield curve distils the wisdom of millions of investors...
by Sinsji
Fri Apr 05, 2019 6:56 am
Forum: Investing - Theory, News & General
Topic: FT: "Has the yield curve predicted the next US downturn?"
Replies: 8
Views: 1036

FT: "Has the yield curve predicted the next US downturn?"

https://www.ft.com/content/cf9eb29a-5220-11e9-9c76-bf4a0ce37d49 Short answer: maybe yes, maybe no. :happy For more information Google: "Has the yield curve predicted the next US downturn?" and you're supposed to be able to read it for free. It's a Big Read. Plenty of useless quotes from experts, bu...
by Sinsji
Fri Mar 22, 2019 8:23 am
Forum: Non-US Investing
Topic: Anyone use money market funds or ultra short bond funds in Europe?
Replies: 30
Views: 1585

Re: Anyone use money market funds or ultra short bond funds in Europe?

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...
by Sinsji
Tue Mar 12, 2019 3:19 am
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

Another question: the Boggleheads wiki suggests a US domiciled ETF might be more attractive for Dutch investors compared to an Ireland domiciled ETF. Currently looking from the Netherlands I find all ETFs I come across on DeGiro to be domiciled in Ireland... So how is a European (Dutch) investor su...
by Sinsji
Tue Mar 05, 2019 1:22 pm
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

Thanks for the information. Actually DeGiro and ING also referred to documentation requirements, but now I know what they ment.

Am I supposed to be happy with the EU regulations :? :annoyed

Anyone aware of leveraged treasury ETFs available from Europe though?
by Sinsji
Tue Mar 05, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9780

Re: Best place to buy Microsoft Office 2019....

Microsoft offers a free 'light' version of several office products on the cloud. Link? Just Google or use DuckDuckGo: "office online free". You'll end up at www.office.com If you sign in to Office online you'll be able to use the online free versions. These free versions lack functionalities of the...
by Sinsji
Tue Mar 05, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9780

Re: Best place to buy Microsoft Office 2019....

Microsoft offers a free 'light' version of several office products on the cloud.
by Sinsji
Tue Mar 05, 2019 9:40 am
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

HI, I concluded this based on the following piece from the wiki for non-US domiciles: The Netherlands is one of the few countries that has both an estate and withholding tax treaty with the US and an active FATCA agreement. The NRA’s wiki page compares Vanguard’s VT (US domiciled) with VWRL (Ireland...
by Sinsji
Tue Mar 05, 2019 2:26 am
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

I didn't find any long term treasury leveraged ETFs using www.justetf.com yet. Through Lynx it do is possible to find about every ETF. A spokesperson of Dutch bank told me that Lynx offerings like the UPRO ETF are not allowed at their bank due to regulation of the Dutch Authority on Financial Market...
by Sinsji
Fri Mar 01, 2019 3:36 pm
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

DeGiro (a broker) for example didn't offer anything I came of the leveraged ETFs I came across in a quick search. I just searched a couple of ETFs from the justetf link I posted on Degiro (I have an account) and managed to found them easily. If you search with the ISIN, you should too. If the adven...
by Sinsji
Fri Mar 01, 2019 1:29 pm
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Re: Leveraged ETF from Europe?

Reading some of the 878 (!) comments in HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs] made me curious about options for investors living in Europe. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=272007 Any experience with leveraged ETFs available for invest...
by Sinsji
Fri Mar 01, 2019 11:52 am
Forum: Non-US Investing
Topic: Leveraged ETF from Europe?
Replies: 19
Views: 1563

Leveraged ETF from Europe?

Reading some of the 878 (!) comments in HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs] made me curious about options for investors living in Europe. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=272007 Any experience with leveraged ETFs available for investo...
by Sinsji
Mon Feb 11, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: Is Index Investing Just Betting on The U.S Economy?
Replies: 46
Views: 5525

Re: Is Index Investing Just Betting on The U.S Economy?

Interesting topic. Sometimes I forget why index investing is such a great idea again, besides the diversification and low cost... In general an important assumption is the continued growth of productivity (without borrowing too much), right? Current companies tend to be more productive, than for exa...
by Sinsji
Mon Feb 04, 2019 11:31 am
Forum: Non-US Investing
Topic: Slice and dice vs simple portfolio
Replies: 14
Views: 1824

Re: Slice and dice vs simple portfolio

Okay, yes if readily available.

Let me know where you find them. Thanks!
by Sinsji
Mon Feb 04, 2019 5:04 am
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent? [Netherlands]

I spend in euro's 95% of the time. Goal of cash is to buy more assets eventually. I keep cash aside as a reserve and to spend it gradually instead of lump sum. I do wonder why Jason Zweig would advise his readers to put cash into money market funds. His motivation was that it offers a risk free high...
by Sinsji
Mon Feb 04, 2019 3:52 am
Forum: Non-US Investing
Topic: Slice and dice vs simple portfolio
Replies: 14
Views: 1824

Re: Slice and dice vs simple portfolio

Being the a 'newbie' I made a similar analysis then. Especially the lower average TER was interesting and it seemed to offer more diversification. Got the same feedback: to complex, to much work! I did see that the MSCI gives an aproximate weight of all the indexes. For example, MSCI World covers 85...
by Sinsji
Mon Feb 04, 2019 3:20 am
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent? [Netherlands]

Still I'm not sure how much aditional risk 1-3 USD Treasury Bonds would bring for example? They have an average duration less than 2 years. Look at how the currency pair has done during the years to have an estimate of the risk: https://www.xe.com/currencycharts/?from=USD&to=EUR&view=10Y You can ea...
by Sinsji
Mon Feb 04, 2019 3:19 am
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent? [Netherlands]

- deleted -
by Sinsji
Mon Feb 04, 2019 2:15 am
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent? [Netherlands]

Thanks for the considerations. I've seen Total Bond and Intermediate Bond have a similar average duration. Still I'm not sure how much aditional risk 1-3 USD Treasury Bonds would bring for example? They have an average duration less than 2 years. Is the risk compared to cash relevant? I don't try to...
by Sinsji
Sun Feb 03, 2019 12:30 pm
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent? [Netherlands]

... being eager to maximize returns I thought it would be a good idea to put more cash into short term bonds. My broker offers a few fixed income ETFs that are free of charge: iShares 1-3 yrs USD Treasury Bond iShares 7-10 yrs USD Treasury Bond iShares US TIPS (IE00B1FZSC47) iShares EURO Government...
by Sinsji
Sun Feb 03, 2019 12:24 pm
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Re: Best ETF cash equivalent?

Are you concerned about currency risk? I recognized here that I'm supposed to be? My income is in euro's as well are my savings. All ETFs I bought track MSCI indexes. All Fixed Income ETF is in the iShares EURO Hedged Global Aggregate Bond ETF. I see Bonds as fixed income. I thought short term bond...
by Sinsji
Sun Feb 03, 2019 8:06 am
Forum: Non-US Investing
Topic: Best ETF cash equivalent? [Netherlands]
Replies: 14
Views: 966

Best ETF cash equivalent? [Netherlands]

Yesterday I red the column by Jason Zweig: "Raising Your Own Rates Even if the Fed Won’t" http://jasonzweig.com/raising-your-own-rates-even-if-the-fed-wont/ Based on this column and being eager to maximize returns I thought it would be a good idea to put more cash into short term bonds. My broker of...
by Sinsji
Wed Jan 23, 2019 7:41 am
Forum: Non-US Investing
Topic: Asset allocation (Netherlands, iShares)
Replies: 4
Views: 705

Re: Asset allocation?

What type of account is this in, and at what brokerage? It seems like way to many funds. 'Hi. I'm investing from the Netherlands. It is all in a brokerage account. The broker doesn't charge for buying or selling ETF up to a certain frequency. I only pay about 3 euro annualy for each stock exchange ...
by Sinsji
Wed Jan 23, 2019 5:51 am
Forum: Non-US Investing
Topic: Asset allocation (Netherlands, iShares)
Replies: 4
Views: 705

Re: Asset allocation?

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by Sinsji
Tue Jan 22, 2019 12:52 pm
Forum: Non-US Investing
Topic: Asset allocation (Netherlands, iShares)
Replies: 4
Views: 705

Asset allocation (Netherlands, iShares)

A few months ago I stumbled across this forum and it motivated me to finally start index tracking. After reading I tried to implement the stuff that seemed relevant to me: low cost, long term, diversification and little 'work'. I know allocation doesn't come down to the percentage point, but I'd lik...
by Sinsji
Mon Nov 26, 2018 1:27 pm
Forum: Non-US Investing
Topic: Total Bond Market vs Intermediate Bonds
Replies: 3
Views: 945

Re: Total Bond Market vs Intermediate Bonds

Although I'm not situated in the USA I was hoping for some advice regarding fixed income allocation. I intend to keep putting money aside while able to safe. Currently I''m 34 years old. I can buy Intermediate Bond ETFs from iShares free of charge through the broker (both US Treasury and EU: German...
by Sinsji
Mon Nov 26, 2018 5:53 am
Forum: Non-US Investing
Topic: Total Bond Market vs Intermediate Bonds
Replies: 3
Views: 945

Total Bond Market vs Intermediate Bonds

Although I'm not situated in the USA I was hoping for some advice regarding fixed income allocation. I intend to keep putting money aside while able to safe. Currently I''m 34 years old. I can buy Intermediate Bond ETFs from iShares free of charge through the broker (both US Treasury and EU: Germany...
by Sinsji
Fri Nov 23, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Lots of Newbie bond questions
Replies: 14
Views: 1596

Re: Lots of Newbie bond questions

Hello, I have been searching for a bit for some of these questions but could not find a thread that seemed to answer them. If I missed one, I apologize. It would be great if you could point me to it. Anyways, my questions: 1) I am curious about how the Vanguard Total Bond Market Fund works. In part...
by Sinsji
Tue Nov 20, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Lots of Newbie bond questions
Replies: 14
Views: 1596

Re: Lots of Newbie bond questions

I had a question similar as your second question. I observed that even the experts on fixed-income ETFs and funds have different opinions at this forum. What kept returning was intermediate bonds, TIPS and maturity = investment horizon. The total bond from iShares has an average maturity of 8.5 year...
by Sinsji
Wed Oct 31, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 5177

Re: Who's Buying General Electric?

The new CEO (Lawrence Culp Jr) doesn't do many interviews, which might be a positive :happy
by Sinsji
Tue Oct 30, 2018 3:39 am
Forum: Investing - Theory, News & General
Topic: 'My Stocks Portfolio' tracker app
Replies: 0
Views: 363

'My Stocks Portfolio' tracker app

Just curious about experiences from other people with this app: "My Stocks Portfolio & Widget" for Android. I'm not affiliated with the developers and use the free version! You can check your asset allocation. It keeps track of commission you paid. You can customize tickers. Besides index funds you ...
by Sinsji
Fri Oct 19, 2018 12:14 am
Forum: Non-US Investing
Topic: Portfolio advise (30 something) from NL
Replies: 48
Views: 2087

Re: [The Three-Fund Portfolio - Netherlands]

You are overthinking this, certainly based on this: I've got about 13 k in savings. I intend to put money aside each month for savings, possibly about 500,- euro. Consider limiting yourself to the first equity fund and the first bond fund. Thanks. Definitely will change the bond funds. Any good sou...
by Sinsji
Thu Oct 18, 2018 2:25 pm
Forum: Non-US Investing
Topic: Portfolio advise (30 something) from NL
Replies: 48
Views: 2087

Re: Portfolio advise (30 something) from NL

Okay so I came up with the following idea based on the input here and some reading: Stocks (70%): - 34.3% iShares Core MSCI Developed World accumulating (TER 0.2%) <- about 60% USA - 21.6% iShares Core MSCI EM accumulating (TER 0.2%) <- about 30% China - 8.10% iShares Developed World Small Cap (TER ...
by Sinsji
Wed Oct 17, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10586

Re: Larry Swedroe: Prepare For The Bear

So after this 10 year bull (and 10 years aging for all of us too), what sorts of steps, if any, have some people taken to prepare for a potential bear? 10 years is a substantial portion of both one’s accumulation phase and of one’s investing lifetime. Dave This is the real question, what can / shou...
by Sinsji
Wed Oct 17, 2018 2:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 10586

Re: Larry Swedroe: Prepare For The Bear

If you are thinking about selling, you might ask yourself what you know that Buffett doesn’t. Why is Buffett sitting on ~$110B in cash? Money was cheap, and stocks considering the long term prospects not so much anymore in his opinion I guess:) So what to do? Stocks have high valuation and bonds ar...
by Sinsji
Tue Oct 16, 2018 12:06 am
Forum: Non-US Investing
Topic: Europe Domiciled REIT ETFs?
Replies: 8
Views: 780

Re: Europe Domiciled REIT ETFs?

Was just reading about bubbles, most of them I heard before. (They still sell tulips here in the Netherlands.) Regarding REITs I took a look at the Case-Shiller Inflation adjusted housing prices in the USA: they seem to be at the levels of 2006: https://fred.stlouisfed.org/series/SPCS20RSA Not sure ...
by Sinsji
Mon Oct 15, 2018 7:07 am
Forum: Non-US Investing
Topic: Europe Domiciled REIT ETFs?
Replies: 8
Views: 780

Re: Europe Domiciled REIT ETFs?

Okay, the introduction was a bit to dramatic. Thanks for the suggestion. Found this one as well, before making the post: https://www.ishares.com/nl/particuliere-belegger/nl/producten/251958/ishares-stoxx-europe-600-real-estate-ucits-etf-de-fund What I didn't understand is that a database like ETDB.c...