Search found 117 matches

by Laurizas
Wed Sep 16, 2020 3:07 pm
Forum: Non-US Investing
Topic: Brexit Planning message from IB to EU customers
Replies: 16
Views: 1201

Re: Brexit Planning message from IB to EU customers

Downside Q: How will my account protection be impacted? A: The insurance protection available to clients in the event of broker default is generally less favorable in the EU as compared to the UK or US. Currently, provided they meet eligibility requirements, IBUK clients may be protected in relatio...
by Laurizas
Fri Sep 11, 2020 3:58 am
Forum: Non-US Investing
Topic: savings account instead of bonds
Replies: 25
Views: 2280

Re: savings account instead of bonds

mohd wrote: Fri Sep 11, 2020 3:22 am If we take a look at AGGU returns in 2020 it's 4%.
In GPB. In Eur -1,43
by Laurizas
Sun Sep 06, 2020 12:39 pm
Forum: Non-US Investing
Topic: Three Fund Portfolio (EU Version) -> Bond Alternatives?
Replies: 7
Views: 624

Re: Three Fund Portfolio (EU Version) -> Bond Alternatives?

MrCurious wrote: Sun Sep 06, 2020 4:48 am 5% gold probably won't do much harm.
It also will not do much good. 5 percent is just too small to have any meaningful impact on portfolio.
by Laurizas
Tue Aug 18, 2020 1:09 pm
Forum: Non-US Investing
Topic: Rate my Portfolio / AA [EU]
Replies: 17
Views: 1032

Re: Rate my Portfolio / AA [EU]

Good luck!
by Laurizas
Thu Aug 06, 2020 3:20 pm
Forum: Non-US Investing
Topic: What is the equivalent of Vanguard in the EU?
Replies: 12
Views: 953

Re: What is the equivalent of Vanguard in the EU?

crefwatch wrote: Thu Aug 06, 2020 1:52 pm For example, 30-year mortgages are almost unheard of in most of Europe.
Source?
by Laurizas
Fri Jul 24, 2020 1:54 pm
Forum: Non-US Investing
Topic: 20% AGGG 70% VWRD 10% WSML: What could I be missing?
Replies: 13
Views: 1366

Re: 20% AGGG 70% WVRD 10% WSML: What could I be missing?

jolnar wrote: Fri Jul 24, 2020 1:14 pm Could you elaborate further as of why you wouldn't include small cap in the portfolio?

Thanks!
Maybe because 10 percent does not move a needle?
by Laurizas
Wed Jul 01, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19435

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

asif408 wrote: Wed Jul 01, 2020 8:06 am There was even a poll in the late 2000s (when polls were still allowed here).
Why polls are not allowed anymore?
by Laurizas
Wed Jun 24, 2020 1:08 am
Forum: Non-US Investing
Topic: Worry about low volume of VHVE + VFEA
Replies: 17
Views: 1154

Re: Worry about low volume of VHVE + VFEA

I understand that the TER matters the most in the long run, but when it comes to investing regularly i.e. buying every month and holding for the next 10-20 years, I'm afraid that the spread might eat up my returns more than it should. It seems you don't really understand. Try doing your own calcula...
by Laurizas
Tue Jun 16, 2020 9:01 am
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 150
Views: 7452

Re: What famous investing quote reminds you of your investing style?

“If you’re not willing to react with equanimity to a market price decline of 50% two or three times a century, you’re not fit to be a common shareholder and you deserve the mediocre result you’re going to get.”-Charlie Munger
by Laurizas
Wed Jun 10, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 118120

Re: Why are you NOT buying rental properties?

tomtoms wrote: Wed Jun 10, 2020 10:06 am you can’t deny the fact that real estate investing has made more millionaires than any other asset.
Source?
by Laurizas
Tue Jun 02, 2020 12:54 pm
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 3145

Re: How to approach a friend: a first time investor bought a single stock

We did not discuss it, but I guess he is not totally against passive.
by Laurizas
Tue Jun 02, 2020 2:40 am
Forum: Non-US Investing
Topic: 25 year old from italy, seeking investment advice
Replies: 11
Views: 950

Re: 25 year old from italy, seeking investment advice

The problem is that it is a relative young etf and of course past performance does not guarantee future performances. Anyway i like the methodology behind the MSCI world momentum index and i think that in the long term can be a good investment. What's you opinion? As for many things in investing, t...
by Laurizas
Mon Jun 01, 2020 1:19 pm
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 3145

Re: How to approach a friend: a first time investor bought a single stock

ddurrett896 wrote: Mon Jun 01, 2020 8:44 am What happens if you convince him to sell and the stocks hit a home run which would have netted him millions?
I do not want to convince him to sell.
by Laurizas
Mon Jun 01, 2020 8:42 am
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 3145

Re: How to approach a friend: a first time investor bought a single stock

Triple digit golfer wrote: Mon Jun 01, 2020 8:14 am I wouldn't say anything. He made his decision. If you sway him away, he sells, and that stock takes off (even if under performs the market), he won't be happy with you.
I guess so. That is way I have to find an approach in which I could not be blamed.
by Laurizas
Mon Jun 01, 2020 8:09 am
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 3145

Re: How to approach a friend: a first time investor bought a single stock

He bought one stock, but has he said he's rejecting passive investing? If so, I 'd be curious to know his reasons. The reason - he uses software created by this company and software is good. Yes, we all know it is a flawed reasoning. On top of that, he said had a feeling this stock was going to go ...
by Laurizas
Mon Jun 01, 2020 3:11 am
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 3145

How to approach a friend: a first time investor bought a single stock

Hello, maybe you could point me in a right direction. A friend of mine asked me an investment advice. Before that he attended a seminar about passive investing in his workplace and wanted to know more. I introduced him to bogleheads investment philosophy and many times emphasized the importance to o...
by Laurizas
Tue May 26, 2020 1:09 pm
Forum: Non-US Investing
Topic: etf portfolio advice
Replies: 4
Views: 458

Re: etf portfolio advice

How did you determine this portfolio? It does not look simple.
by Laurizas
Mon May 25, 2020 3:31 am
Forum: Non-US Investing
Topic: how to choose among ETC Gold
Replies: 2
Views: 361

Re: how to choose among ETC Gold

The rule of thumb is to choose the fund with lowest TER.
by Laurizas
Fri May 15, 2020 2:58 am
Forum: Non-US Investing
Topic: My Portfolio - 25YO
Replies: 2
Views: 602

Re: My Portfolio - 25YO

Good luck!
by Laurizas
Fri May 15, 2020 2:55 am
Forum: Non-US Investing
Topic: Questions regarding ETF taxation in Romania
Replies: 1
Views: 315

Re: Questions regarding ETF taxation in Romania

from what I understand that means that I don't have to pay taxes on those dividends, but I am not 100% sure. Ask ANAF in writing. The taxation of accumulated dividends is not very common. Also, currently I am just buying ETF shares every month and I never sell, and I plan on not selling for the nex...
by Laurizas
Fri May 15, 2020 2:47 am
Forum: Non-US Investing
Topic: Pay off mortgage costs from actively managed pension fund
Replies: 1
Views: 301

Re: Pay off mortgage costs from actively managed pension fund

I guess it depends on time horizon, the longer, the less risk.
by Laurizas
Fri May 15, 2020 2:40 am
Forum: Non-US Investing
Topic: iNAV for UCITS ETFs? How to pay close to fair price?
Replies: 14
Views: 776

Re: iNAV for UCITS ETFs? How to pay close to fair price?

thermalfama wrote: Tue Apr 07, 2020 6:36 pm I'm confused about how to know that I'm not overpaying too much for NAV.
I think there are others more sophisticated market participants whose job is to explore these differences and market price reflects that. In other words, let others care for that.
by Laurizas
Fri May 15, 2020 2:33 am
Forum: Non-US Investing
Topic: My first ever Portfolio..seeking advice
Replies: 1
Views: 410

Re: My first ever Portfolio..seeking advice

Why do you want invest all in your home country?
by Laurizas
Wed May 06, 2020 9:52 am
Forum: Non-US Investing
Topic: Do the bogleheads think this 22 year old belgian is smart or naïve?
Replies: 26
Views: 3986

Re: Do the bogleheads think this 22 year old belgian is smart or naïve?

frugalbelgian wrote: Tue May 05, 2020 5:36 pm Do you think it will be smart to switch my stocks to vwce?
Yes, simplicity.
by Laurizas
Tue May 05, 2020 5:40 am
Forum: Non-US Investing
Topic: Trading from Italy, is it more profitable to invest in a distributing (VUSA) or an accumulating (VUUA) ETF?
Replies: 24
Views: 1336

Re: Trading from Italy, is it more profitable to invest in a distributing (VUSA) or an accumulating (VUUA) ETF?

it is therefore always better for an italian who is in saving phase to invest in accumulating etf, as: the dividends are automatically invested without being taxed at the moment and can give much more compounded earnings Unless in Italy dividends not received but reinvested are taxed. For example, ...
by Laurizas
Tue Apr 28, 2020 5:34 am
Forum: Non-US Investing
Topic: Investing from Belgium
Replies: 2
Views: 296

Re: Investing from Belgium

I think Degiro is the best in your case, thought I am not expert on investing from Belgium.
by Laurizas
Sun Apr 26, 2020 6:36 am
Forum: Non-US Investing
Topic: What is the difference between these 2 ETfs?
Replies: 12
Views: 1162

Re: What is the difference between these 2 ETfs?

Perhaps different currencies?
by Laurizas
Sun Apr 26, 2020 2:14 am
Forum: Non-US Investing
Topic: What is the difference between these 2 ETfs?
Replies: 12
Views: 1162

Re: What is the difference between these 2 ETfs?

The first ETF is traded in London stock exchange, the second in Frankfurt.
by Laurizas
Mon Apr 20, 2020 6:34 am
Forum: Non-US Investing
Topic: Belgium: Need advice on my Portfolio.
Replies: 4
Views: 484

Re: Belgium: Need advice on my Portfolio.

robruzduk wrote: Fri Apr 17, 2020 12:41 pm Bonds: iShares USD Treasury Bond 1-3yr UCITS ETF EUR Hedged (Acc) ISIN IE00BDFK1573, Ticker IBTE[/b]
It is an odd choice. Mainly Europeans buy aggregate bond fund hedged to euro or eurozone bonds.
by Laurizas
Mon Apr 20, 2020 6:30 am
Forum: Non-US Investing
Topic: Tradestation Global - anyone here use this platform?
Replies: 5
Views: 999

Re: Tradestation Global - anyone here use this platform?

If I register as NZ resident to take advantage of zero capital gains tax, am I still covered by the fscs protection scheme given they're registered in the UK? I highly doubt that the status of residency could influence the application of FSCS protection scheme. It would be nationality-based discrim...
by Laurizas
Mon Apr 06, 2020 5:03 am
Forum: Non-US Investing
Topic: guidance required, dual nationality
Replies: 5
Views: 527

Re: guidance required, dual nationality

Maybe this will service you as a start
https://www.bogleheads.org/wiki/EU_investing
by Laurizas
Wed Apr 01, 2020 12:16 pm
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 21
Views: 1681

Re: Beginner investor from Lithuania seeking advice

Yes, I own shares of accumulating fund, but I do not own stocks. The fund owns the stocks so the fund receives dividends and uses this money to buy more stocks. But for example, in Germany you have to pay tax on such "fictual" dividends. I think in UK also. https://www.reddit.com/r/eupersonalfinance...
by Laurizas
Wed Apr 01, 2020 5:15 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 21
Views: 1681

Re: Beginner investor from Lithuania seeking advice

modestas wrote: Wed Apr 01, 2020 5:13 am Asking because buf mentioned that, in his knowledge, accumulating dividends are not taxed.
Accumulating dividends is not dividends from the perspective of the law, because ETF holder does not receive cash in his account.
by Laurizas
Wed Apr 01, 2020 4:07 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 21
Views: 1681

Re: Beginner investor from Lithuania seeking advice

modestas wrote: Tue Mar 31, 2020 2:16 pm Question: how and where did you find any info on non taxable accumulating dividends in Lithuanian tax laws? I
You can't. There is no such concept of accumulating dividends in the law, for now.
by Laurizas
Sun Mar 22, 2020 2:37 am
Forum: Non-US Investing
Topic: Belgium - Newbie kindly asking for portfolio feedback (1st investment, asset allocation, strategy and implementation)
Replies: 9
Views: 891

Re: Belgium - Newbie kindly asking for portfolio feedback (1st investment, asset allocation, strategy and implementation

For stocks I would use only one ETF - Vanguard FTSE All-World UCITS ETF, TER 0,22, ISIN IE00BK5BQT80.

I would not reccomend small caps, because it does not move a needle.
by Laurizas
Fri Mar 20, 2020 5:57 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 13316

Re: 2020 COVID Crash Lessons

ljb1234 wrote: Thu Mar 19, 2020 7:18 am I follow lots of timing systems (don't use them)
How do you do it? Portfoliovisualizer?
by Laurizas
Wed Mar 18, 2020 4:00 am
Forum: Non-US Investing
Topic: A novice's multi-million dollar portfolio. Please critique! [Australia]
Replies: 4
Views: 615

Re: A novice's multi-million dollar portfolio. Please critique! [Australia]

jon123456789 wrote: Tue Mar 17, 2020 9:54 am Their middle class is going to double in a few years or so.
I think this fact is already priced in.
by Laurizas
Mon Mar 16, 2020 9:54 am
Forum: Non-US Investing
Topic: New 3-fund portfolio [Poland]
Replies: 2
Views: 331

Re: New 3-fund portfolio [Poland]

Are they sound? Yes. Is it worth my effort to spread out the investing of my 12k cash into a couple of weeks to try and time the market (!sic). With 12k I would wait a bit. Does it make sense to invest savings for a house construction happening in 2-3 years into short-term bonds What ETF do you hav...
by Laurizas
Mon Mar 16, 2020 9:07 am
Forum: Non-US Investing
Topic: A novice's multi-million dollar portfolio. Please critique! [Australia]
Replies: 4
Views: 615

Re: A novice's multi-million dollar portfolio. Please critique! [Australia]

1. I would not invest with borrowed money.
3. I would buy total world.
by Laurizas
Mon Mar 16, 2020 8:53 am
Forum: Non-US Investing
Topic: My planned portfolio: seeking advice (upadated with my data)
Replies: 2
Views: 259

Re: My planned portfolio: seeking advice (upadated with my data)

Desired allocation to stocks outside your of country of residence: 90% Why do you think having 10 percent of netherlandish stocks is a good idea while they consitute only 1 percent world market cap? whether it would make sense to add the real estate ETF to the equity portion of my portfolio. I am o...
by Laurizas
Mon Mar 16, 2020 8:32 am
Forum: Non-US Investing
Topic: Market Valuations for Dynamic AA
Replies: 8
Views: 273

Re: Market Valuations for Dynamic AA

oken wrote: Sun Mar 15, 2020 10:44 am I'm willing to take a reduced premium for the benefit of a more cushioned drop
So it is market timing in other words? Why not setting proper AA and rebalance?
by Laurizas
Thu Mar 12, 2020 3:15 pm
Forum: Non-US Investing
Topic: All-world all-cap index ETF traded in Euros?
Replies: 20
Views: 1014

Re: All-world all-cap index ETF traded in Euros?

Vanguard FTSE All-World UCITS ETF (USD) Accumulating,ISIN IE00BK5BQT80.
by Laurizas
Mon Mar 09, 2020 7:23 pm
Forum: Non-US Investing
Topic: Help in choosing a lazy portfolio- mistake in buying snp500
Replies: 4
Views: 850

Re: Help in choosing a lazy portfolio- mistake in buying snp500

There is no "world ex usa" fund based in Ireland. So you either: 1) sell CSPX and buy Iwda plus Eimi or only VWCE or 2) buy UK, Europe ex Uk, Japan, Asia Pacific Ex-Japan and Eimi funds next to CSPX.
by Laurizas
Tue Mar 03, 2020 3:20 am
Forum: Non-US Investing
Topic: Dividents(Lithuania)
Replies: 3
Views: 435

Re: Dividents(Lithuania)

You do not have to sell anything. Dividends automatically goes to your account.
https://www.bogleheads.org/wiki/Dividend