Search found 54 matches

by Laurizas
Fri Nov 08, 2019 4:39 am
Forum: Non-US Investing
Topic: Tradestation Global - anyone here use this platform?
Replies: 3
Views: 261

Re: Tradestation Global - anyone here use this platform?

I have not used any of these additional services, so I do not know, but what concerns account service fee, there is none.
by Laurizas
Thu Nov 07, 2019 1:20 pm
Forum: Non-US Investing
Topic: Tradestation Global - anyone here use this platform?
Replies: 3
Views: 261

Re: Tradestation Global - anyone here use this platform?

There is no inactivity fee, I use it. Read the terms and conditions, they are an introducing broker to IB. What does it mean exactly, I do not know.
by Laurizas
Thu Oct 24, 2019 6:47 am
Forum: Non-US Investing
Topic: BUY and HOLD individual Stocks vs iShares MSCI ACWI
Replies: 22
Views: 1454

Re: BUY and HOLD individual Stocks vs iShares MSCI ACWI

Bogle1984 wrote:
Wed Oct 23, 2019 12:32 pm
Instead of 625$ (individual stocks, no holding costs) you would only have 542$ (ETF with 0,2% TER) a month, which is 13,3% less. Seems quite a lot to me..
Focus on saving more.
by Laurizas
Thu Oct 24, 2019 6:42 am
Forum: Non-US Investing
Topic: BUY and HOLD individual Stocks vs iShares MSCI ACWI
Replies: 22
Views: 1454

Re: BUY and HOLD individual Stocks vs iShares MSCI ACWI

Bogle1984 wrote:
Wed Oct 23, 2019 7:04 am
In the EU the iShares MSCI ACWI has an TER of 0,6% which is a lot
Why not using two funds: Vanguard FTSE Developed World UCITS ETF Distributing, TER 0,12 and iShares Core MSCI Emerging Markets IMI UCITS ETF, TER 0,18. TER of such portfolio, assuming DM is 88 and EM is 12 percents, is 0,1296
by Laurizas
Mon Oct 07, 2019 5:22 am
Forum: Non-US Investing
Topic: Just started with P2P lending (Mintos). How risky is it?
Replies: 27
Views: 2449

Re: Just started with P2P lending (Mintos). How risky is it?

BeBH65 wrote:
Sun Oct 06, 2019 3:58 pm
For instance look up what happened with the loans from the originator Eurocent.
It has been two years since Eurocent defaulted. I have received 0 from these loans.
by Laurizas
Thu Sep 12, 2019 11:44 am
Forum: Non-US Investing
Topic: Is there sth like [SIPC] law in LSE?
Replies: 11
Views: 1055

Re: Is there sth like [SIPC] law in LSE?

In essence I see IB UK really as a front-end and assets are held in IB LLC. Since IB LLC is an SPIC member, IB UK customers are still protected. From legal point of view, you do not have a contract with IB LLC, you have a contract wit IB UK. Theoretically, you should not be concerned where assets a...
by Laurizas
Tue Sep 03, 2019 3:29 pm
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2822

Re: risk tolerance - too much in bonds?

HEDGEFUNDIE wrote:
Tue Sep 03, 2019 3:15 pm
You are missing the fact that bonds can be a source of return as well.
Even in case of negative yields of eurozone bonds?
by Laurizas
Tue Sep 03, 2019 3:06 pm
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2822

Re: risk tolerance - too much in bonds?

I, myself am at the very beginning of investment career so I am at 100% stocks Me too. Is there some sort of risk I'm missing? I have been reading this forum for 9 months now. I also have read Wiki and Bogleheads guide to investing. The main reason,IMHO, why bonds are recommended for young people i...
by Laurizas
Fri Aug 23, 2019 9:31 am
Forum: Non-US Investing
Topic: Cheapest way to buy MSCI World
Replies: 17
Views: 1388

Re: Cheapest way to buy MSCI World

Too difficult, keep it simple.
by Laurizas
Fri Aug 23, 2019 9:23 am
Forum: Non-US Investing
Topic: How To Build an All Value Portfolio Based on ETFs for European Investors
Replies: 14
Views: 1523

Re: How To Build an All Value Portfolio Based on ETFs for European Investors

Mister643 wrote:
Fri Aug 23, 2019 8:59 am
You would not even remember US existed in ten years now on.
:oops:
by Laurizas
Fri Aug 23, 2019 4:27 am
Forum: Non-US Investing
Topic: Portfolio allocation - Romania
Replies: 22
Views: 1343

Re: Portfolio allocation - Romania

Mindhacker wrote:
Wed Aug 21, 2019 8:53 am
- all my profitable positions have a trail stop loss order to secure at least a share of the profit if things go bad;
Read what experts say about market timing.
viewtopic.php?f=10&t=79324
by Laurizas
Fri Aug 23, 2019 4:02 am
Forum: Non-US Investing
Topic: [wiki] New page on Robo-advisers for non-US investors
Replies: 10
Views: 728

Re: [wiki] New page on Robo-advisers for non-US investors

I have no real knowledge of most of the jurisdictions so improvements are most welcome. You should update list of ETFmatic countries https://support.etfmatic.com/hc/en-gb/articles/210246073-In-which-countries-does-ETFmatic-offer-its-services- Also, they do not charge AUM fee if the account is opene...
by Laurizas
Mon Aug 12, 2019 1:55 pm
Forum: Non-US Investing
Topic: Boglebot - tool to help non-US investors to implement the 2-fund portfolio
Replies: 16
Views: 2867

Re: Volunteers to help with a Boglebot idea

Bogleheads wiki recommends AGGH, if i am not mistaken.
by Laurizas
Fri Aug 09, 2019 5:23 pm
Forum: Non-US Investing
Topic: new investor seeking advice [Germany]
Replies: 4
Views: 428

Re: new investor seeking advice [Germany]

88% iShares Core MSCI World ETF 12% iShares Core Emerging Markets IMI ETF Would that be a decent choice? Yes. Should I put 15/20/25% in bond ETFs to mitigate volatility? What kind of bonds would be reasonable here? World? Government only? According to a rule of thumb, you should have age in bonds a...
by Laurizas
Fri Aug 09, 2019 1:58 pm
Forum: Non-US Investing
Topic: Broker Diversification
Replies: 23
Views: 1672

Re: Broker Diversification

DXBinvest wrote:
Fri Aug 09, 2019 12:49 pm
Clients investments should be put under custodian accounts and they should never be a part of liquidation process of the brokerage company.
Unless investments were not put under custodian accounts, in other words - a crime has been commited.
by Laurizas
Fri Jul 26, 2019 4:43 pm
Forum: Personal Investments
Topic: Irish domiciled ETFs
Replies: 4
Views: 380

Re: Irish domiciled ETFs

Maybe justetf.com could be useful
by Laurizas
Thu Jul 25, 2019 1:40 am
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2561

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

I had a person consulting me in terms of my account management (telling me which orders to put in and when). His strategy was very risk averse, long term, which is what I liked. Before him I just used the Boglehead buy and hold strategy by having 10% in bond index and 90% in SPY index. But that wou...
by Laurizas
Tue Jul 23, 2019 8:50 am
Forum: Non-US Investing
Topic: Financial plan 23 y/o belgian investor. Feedback welcome
Replies: 6
Views: 727

Re: Financial plan 23 y/o belgian investor. Feedback welcome

BelgianInvestor wrote:
Tue Jul 23, 2019 7:21 am
I will use the ishares Core MSCI world
Have you considered SPDR MSCI World? It has lower ER in comparison with iShares (0,12 vs 0,2).
by Laurizas
Sun Jul 21, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 49
Views: 13994

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Hello, does the second edition contain any references to financial crisis of 2008 - 2009 or uses data from this time? Wiki states that Among the changes since the first edition (2006): Updates to reflect tax law changes, estate taxes, and gifting Changes related to 401(k) and 403(b) retirement plans...
by Laurizas
Sun Jul 21, 2019 8:23 am
Forum: Non-US Investing
Topic: Financial plan 23 y/o belgian investor. Feedback welcome
Replies: 6
Views: 727

Re: Financial plan 23 y/o belgian investor. Feedback welcome

I heard 'Degiro' or 'Lynx' are even cheaper options, is it worth switching? You have to evaluate yourself Drawback may be the transactions cost, but I suppose that for larger sum of money and large timeframes of investing this does not outweigh the withholding tax on dividends ? I did not engage in...
by Laurizas
Tue Jul 16, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 112
Views: 13255

Re: Will you buy Total Bond with a negative yield?

Here is a recent article that paints a pretty clear picture. https://www.forbes.com/sites/vineerbhansali/2019/06/17/trading-sardines-the-case-of-currency-hedged-negative-yielding-bonds/#ad2544e5f70f From the article On the other hand, for a Euro based investor, the act of hedging the currency risk ...
by Laurizas
Fri Jul 12, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: How to park in northern Europen countries?
Replies: 29
Views: 2422

Re: How to park in northern Europen countries?

flyingaway wrote:
Fri Jul 12, 2019 7:10 am
Hotels far away from the cities may not be convenient, as we still need a way to see the cities.
Sometimes may not, but sometimes might. Big cities have park and ride services. In some cities you can park a car in the city center for 2,3,4,5 euros/hour and then visit the city.
by Laurizas
Fri Jul 12, 2019 6:11 am
Forum: Non-US Investing
Topic: [Wiki] Bond basics for non-US investors - seeking feedback and contributions
Replies: 40
Views: 4722

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

For example, a USD corporate bond fund that earns USD treasury+2% would now earn EUR govt+2% (give or Euro vs US govt credit spreads and other minor effects, before the detailed people get me) Could you illustrate this by real data? ANd can it be stated that there is no need for hedged bond funds? ...
by Laurizas
Fri Jul 12, 2019 5:57 am
Forum: Non-US Investing
Topic: [Wiki] Bond basics for non-US investors - seeking feedback and contributions
Replies: 40
Views: 4722

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

me81 wrote:
Fri Jul 12, 2019 5:15 am
Hedging would simply make the return of such a fund, the same as the Eur Gov bond fund, while keeping hedging costs..
Where does this argument derives from?
by Laurizas
Wed Jul 10, 2019 5:21 am
Forum: Non-US Investing
Topic: Non-US citizen with US Brokers: Estate Tax risk?
Replies: 103
Views: 35598

Re: Non-US citizen with US Brokers: Estate Tax risk?

DXBinvest wrote:
Wed Jul 10, 2019 1:47 am
Do I get this right?
I hope so. I also did a lot of research but did not find a definitive answer.
by Laurizas
Sun Jul 07, 2019 12:22 am
Forum: Non-US Investing
Topic: Questions from an italian newbie
Replies: 17
Views: 1304

Re: Questions from an italian newbie

Don't know why but since February 25 2019 till July 6 2019 Ishares core msci world is up 7.51 in comparison with 6.7 of SPDR.
https://www.justetf.com/en/find-etf.htm ... de=compare
by Laurizas
Fri Jul 05, 2019 6:12 am
Forum: Non-US Investing
Topic: Questions from an italian newbie
Replies: 17
Views: 1304

Re: Questions from an italian newbie

trinca92 wrote:
Fri Jul 05, 2019 3:49 am
why "hedged to EUR (as opposed to denominated in EUR)" is bad idea, or point to a resource, just for the sake of knowing.
Hedging stocks is not a bad idea but not hedging is somehow better. Bonds should be hedged by the way.

https://personal.vanguard.com/pdf/ISGCMC.pdf
by Laurizas
Thu Jul 04, 2019 12:58 am
Forum: Non-US Investing
Topic: Questions from an italian newbie
Replies: 17
Views: 1304

Re: Questions from an italian newbie

You can compare brokers using brokerchooser.com
by Laurizas
Sat May 25, 2019 7:57 am
Forum: Non-US Investing
Topic: Guidance for starting out with index funds
Replies: 4
Views: 863

Re: Guidance for starting out with index funds

DyJohnnY wrote:
Thu May 23, 2019 5:01 am
- IB custody fee, at ~9EUR/month and ~1400EUR/month invested, that's a "TER" of 0.67% from the brokerage fees alone.
Open IB account through Tradestation.uk. No custody fee, slightly larger commissions - 0.12, minimum 6 euros.
by Laurizas
Wed May 15, 2019 9:15 am
Forum: Non-US Investing
Topic: Portfolio based on [fund expenses] (Europe)
Replies: 6
Views: 619

Re: Portfolio based on [fund expenses] (Europe)

TroyMcClure wrote:
Wed May 15, 2019 7:48 am
Disclaimer: I have portfolio B (plus a EU fund) and I'm switching to portfolio A.
Why?
by Laurizas
Fri May 03, 2019 3:27 pm
Forum: Non-US Investing
Topic: Help please
Replies: 9
Views: 1264

Re: Help please

Logical Thought wrote:
Fri May 03, 2019 3:09 pm
https://www.interactivebrokers.com/en/i ... europe_etf
Does not show the Irish exchange!
So what? I buy Irish ETFs at Xetra and AEB.
by Laurizas
Tue Apr 30, 2019 2:22 pm
Forum: Non-US Investing
Topic: Do Eurozone investors pay negative interest rates?
Replies: 8
Views: 1112

Re: Do Eurozone investors pay negative interest rates?

ICH wrote:
Tue Apr 30, 2019 12:48 pm
1. How much is the deposit guarantee?
2. How likely is it that it will be honoured?
1. 100k euros
2. Very likely.
by Laurizas
Tue Apr 30, 2019 12:30 am
Forum: Non-US Investing
Topic: I received a one-time payment that needs to last me the rest of my life [EU]
Replies: 53
Views: 9864

Re: I received a one-time payment that needs to last me the rest of my life [EU]

The reason I asked this is people seemed to be worried about currency risk, and prefer owning equities in their local currency. In that case you could use msci acwi hedged to euros. Also currency risk is more significant to bonds then to stocks so in general one should not prefer owning equities in...
by Laurizas
Tue Apr 30, 2019 12:14 am
Forum: Non-US Investing
Topic: Do Eurozone investors pay negative interest rates?
Replies: 8
Views: 1112

Re: Do Eurozone investors pay negative interest rates?

In Lithuania the highest rate at credit union is 2 % per year and 1 % at the bank. No negative interest.
by Laurizas
Sun Apr 28, 2019 2:59 pm
Forum: Non-US Investing
Topic: I received a one-time payment that needs to last me the rest of my life [EU]
Replies: 53
Views: 9864

Re: I received a one-time payment that needs to last me the rest of my life [EU]

pstffc wrote:
Sun Apr 28, 2019 12:08 pm
Would it be beneficial for my equities to be 100% eurozone rather than 100% msci-acwi?
Go with msci acwi, in that case you would own the world.
by Laurizas
Sat Apr 20, 2019 3:40 pm
Forum: Non-US Investing
Topic: ETF distribution frequency for accumulating ETF
Replies: 4
Views: 471

Re: ETF distribution frequency for accumulating ETF

Why is it important to know how often these ETF accumulate the dividends?

I agree that 500 per week is too often, 2000 per month is enough.
by Laurizas
Fri Apr 19, 2019 3:04 am
Forum: Non-US Investing
Topic: P2P Lending - Europe
Replies: 15
Views: 1317

Re: P2P Lending - Europe

hithere wrote:
Thu Apr 18, 2019 6:20 pm
Overall, I'd say P2P lending is not a bad investment vehicle if you choose your platforms and originators carefully, diversify properly, and are aware of the risks.
What % of your portfolio is P2P?
by Laurizas
Thu Apr 18, 2019 2:10 pm
Forum: Non-US Investing
Topic: [Europe] Which stock exchange to use?
Replies: 6
Views: 1126

Re: [Europe] Which stock exchange to use?

I buy on Xetra, but can not provide reasons for doing that:)
by Laurizas
Tue Apr 16, 2019 2:12 am
Forum: Non-US Investing
Topic: New to Investing From Honduras
Replies: 3
Views: 530

Re: New to Investing From Honduras

By looking at this graph I would invest in USD https://fxtop.com/php/imggraph.php?C1=USD&C2=HNL&A=1&DD1=01&MM1=01&YYYY1=1990&DD2=16&MM2=04&YYYY2=2019&LARGE=1&INDICE=&LANG=en&VAR=0&LOG= You said you don’t know what to do, so I suggest reading bogleheads wiki. You have to determine your investment goa...
by Laurizas
Mon Apr 15, 2019 1:20 am
Forum: Non-US Investing
Topic: New to investing from Latvia
Replies: 15
Views: 1245

Re: New to investing from Latvia

The problem with SIPC in my opinion is that it only applies to securities which are registered (?) by SEC and since ETF from Ireland are not traded on US markets they are not registered and have no protection. But it would be strange.
by Laurizas
Sun Apr 14, 2019 2:22 pm
Forum: Non-US Investing
Topic: New to investing from Latvia
Replies: 15
Views: 1245

Re: New to investing from Latvia

dreamingHere wrote:
Sun Apr 14, 2019 1:31 pm
In Latvia bank deposits are guaranteed by government up to 100 000 EUR same as in Estonia and Lithuania.
Deposits and investors protection are 2 different things. If you hold 100 000 Eur at IB it is not a deposit since IB is not a bank.
by Laurizas
Sun Apr 14, 2019 1:22 pm
Forum: Non-US Investing
Topic: New to investing from Latvia
Replies: 15
Views: 1245

Re: New to investing from Latvia

I could not find definite explanations regarding IB guarantees. Some say SIPC would cover, others say that UK investors scheme would apply (85 000 pounds) because EU investors conclude contract with IB UK. There is also opinion that neithet SIPC, neither UK protections applies in case ETF is based i...
by Laurizas
Sun Apr 14, 2019 5:16 am
Forum: Non-US Investing
Topic: New to investing from Latvia
Replies: 15
Views: 1245

Re: New to investing from Latvia

Another question is about broker that would make sense to use. I have not seen any low cost brokers operating in Latvia. Bank fees are not that low (0,25% transaction fee + 0,18% of NAV annually). What would you suggest? Look at Luminor trade. For example, in Lithuania Nav is 0.12, trade fee 0.1, m...
by Laurizas
Tue Apr 02, 2019 6:00 pm
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Re: Asset allocation "tests"

Fallible wrote:
Tue Apr 02, 2019 5:33 pm
How would she have reacted to any of the market crashes such as 2008 and the recessions that usually accompany them? Would she have felt panic and sold at a loss as millions of investors did?
Have no idea right now, but that is what I am going to find out.
by Laurizas
Tue Apr 02, 2019 3:00 pm
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Re: Asset allocation "tests"

Falibble, you are making good points and we will discuss about what you indicated, but right know I do not know much, just my estimations about her expanses and pension which can be misleading. She has a couple of renting properties, so she won't be that much dependent on her portfolio. Nevertheless...
by Laurizas
Tue Apr 02, 2019 2:43 pm
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Re: Asset allocation "tests"

pkcrafter wrote:
Tue Apr 02, 2019 11:31 am
Laurizas, what is mom's initial withdrawal rate going to be?

3 %

30% stock is the minimum I would recommend. Forty percent would be better without much increase in potential loss.

I think the same
by Laurizas
Mon Apr 01, 2019 8:59 am
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Re: Asset allocation "tests"

This isn't a test, but two notes of interest I would give to get a beginner or someone unfamiliar with investing very basic but important points about stocks and bonds: My mom know this theory, that's why she says she wants to be 100 bonds:) My point is to convince her to have stocks. She is 10 yea...
by Laurizas
Mon Apr 01, 2019 8:35 am
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Re: Asset allocation "tests"

Wiggums wrote:
Mon Apr 01, 2019 8:01 am
A picture is worth a thousand words

https://personal.vanguard.com/us/insigh ... ns?lang=en
I am familliar with this "picture" and we will definitely look at it.
by Laurizas
Mon Apr 01, 2019 7:50 am
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1444

Asset allocation "tests"

Hello, could anyone provide links to decent asset allocations tests/questionnaires/calculators (see example below)? I want to talk with my mother about her portfolio and I would use these as starting point.

https://personal.vanguard.com/us/FundsInvQuestionnaire