Search found 36 matches

by danielbird193
Thu Jan 30, 2020 5:16 pm
Forum: Non-US Investing
Topic: How to find right stocks to invest
Replies: 2
Views: 278

Re: How to find right stocks to invest

This site doesn't usually talk about picking individual stocks to buy, but is more focussed around a whole investment methodology (a whole lifestyle for some) which uses low-cost index-tracking funds to achieve investment returns. Take a look at these sites on the Wiki which may be of interest: http...
by danielbird193
Mon Aug 19, 2019 6:04 am
Forum: Non-US Investing
Topic: Portfolio assessment [UK]
Replies: 26
Views: 1243

Re: Portfolio assessment [UK]

Also what's the consensus here in terms of cheapest platform for someone who mainly invests for long-term growth, and mainly on S&P500 or Global ETFs? I am currently on HL, have checked iWeb (not that great, but I guess you need to get used to). I also know the Vanguard funds restriction. Last, if ...
by danielbird193
Mon Aug 12, 2019 3:38 am
Forum: Non-US Investing
Topic: UK - Best boglehead 100% global equity unit trusts
Replies: 14
Views: 871

Re: UK - Best boglehead 100% global equity unit trusts

...there is temptation to go with Fidelity and find an EM fund to supplement. (A bit like the commonly discussed IWDA/EIMI trick that lowers costs) I like this idea. Halves the expense ratio and gives you the flexibility to select an EM fund which meets your needs (you might want plain vanilla, but...
by danielbird193
Fri Jul 26, 2019 1:36 am
Forum: Personal Finance (Not Investing)
Topic: French bank account for U.S. student
Replies: 12
Views: 1143

Re: French bank account for U.S. student

Be aware that most French banks impose a monthly charge for a simple current account. If he wants to keep the account long-term, he may be better off opening a multi-currency account with someone like Revolut or TransferWise. He will definitely be able to open the account when he gets to France, I'm...
by danielbird193
Thu Jul 25, 2019 5:06 pm
Forum: Personal Investments
Topic: asset allocation - thoughts welcome
Replies: 7
Views: 636

Re: asset allocation - thoughts welcome

Difficult to give an opinion without knowing a little more about your situation... Time horizon? Ability / need to take risk? (These things are often related to age and existing investment balance versus annual expenses).
by danielbird193
Thu Jul 25, 2019 7:41 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: 2705

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

You have a psychological problem, not an investing problem. Very astute! The more posts I read on Bogleheads, the more I believe this is the case for the majority of investors (myself included!), and not just a small minority. Whenever I'm tempted not to "stay the course" I'm grateful that I've fou...
by danielbird193
Thu Jul 25, 2019 4:56 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: 2705

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

I don't agree. Flying an airplane is risky. Percentage wise way more fatalities in airplanes than cars. How is plane safer? It's not a matter of agreeing or disagreeing. The statistics speak for themselves. From the UK's Civil Aviation Authority: https://www.caa.co.uk/Consumers/Guide-to-aviation/Av...
by danielbird193
Wed Jul 24, 2019 5:09 am
Forum: Non-US Investing
Topic: Uk portfolio
Replies: 12
Views: 906

Re: Uk portfolio

nacv2016 wrote: Wed Jul 24, 2019 3:23 am Have you read this

https://monevator.com/passive-fund-of-funds-the-rivals/

The Vanguard Lifestrategy are pure passive (with automatic rebalance to original allocation) the others tend to have an active input (trying to time the market).
Thanks for the link, I found that really helpful.
by danielbird193
Tue Jul 23, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4605
Views: 1280802

Re: What Book Are You Currently Reading? Part VI

I'm slowly working my way through Napoleon the Great by Andrew Roberts (borrowed from my local library in anticipation of a week in Paris earlier in the summer). It's a weighty and authoritative tome, clearly backed up by lots of historical research as well as trips by the author to far-flung battle...
by danielbird193
Tue Jul 23, 2019 4:35 am
Forum: Non-US Investing
Topic: UK - please help with my portfolio
Replies: 8
Views: 852

Re: UK - please help with my portfolio

The thing to focus on is that equities are really, really risky. The UK market saw 80-90% fall in the mid 1970s. Black Monday saw, from memory, a 22% fall in the S&P 500 in one day. Japan has fallen by c 2/3rds over 30 years. Equities are an incredibly risky asset class. If you go back to the Dimso...
by danielbird193
Tue Jul 23, 2019 3:59 am
Forum: Non-US Investing
Topic: Sell real estate, pay capital gains tax and buy index fund?
Replies: 11
Views: 1018

Re: Sell real estate, pay capital gains tax and buy index fund?

The rental property has doubled in value since I bought it 8 years ago and is in a HCOL area. Doubling in value in eight years implies a CAGR of around 9% (nominal), plus whatever rental income you've made over the period. S&P 500 has done about 10.6% over the same period, or 12.8% with dividends r...
by danielbird193
Tue Jul 23, 2019 3:47 am
Forum: Non-US Investing
Topic: UK - please help with my portfolio
Replies: 8
Views: 852

Re: UK - please help with my portfolio

It sounds like you're doing well and the NHS pensions certainly give you some long-term security which gives you a bit more ability to take risk now. You've certainly had your fingers burned with peer-to-peer, property crowdfunding and EIS start-up schemes, and I hope you manage to get at least some...
by danielbird193
Mon Jul 22, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Accounts that take foreign currency (London Oyster card refund)?
Replies: 6
Views: 573

Re: Accounts that take foreign currency (London Oyster card refund)?

You could find a friendly Boglehead who lives in London and would be happy to get the refund into their bank account and transfer the proceeds to you using TransferWise or Revolut.
by danielbird193
Mon Jul 22, 2019 8:18 am
Forum: Non-US Investing
Topic: Emerging Market allocation for UK-based investor
Replies: 11
Views: 950

Re: Emerging Market allocation for UK-based investor

I found the WisdomTree Emerging Markets Equity Income ETF (ticker DEM or DEMD). It seems to have a similar tilt to the iShares fund you mention (18% in Russia, high percentage in energy and materials, nothing in Alibaba, Tencent or Baidu). However the expense ratio is 0.46% which seems competitive f...
by danielbird193
Sat Jul 20, 2019 3:53 pm
Forum: Non-US Investing
Topic: Yahoo Finance Stock Screeners for Value Investing
Replies: 6
Views: 653

Re: Yahoo Finance Stock Screeners for Value Investing

It's a paid-for service, but I would highly recommend Stockopedia for this sort of thing.
by danielbird193
Thu Jul 18, 2019 6:16 am
Forum: Non-US Investing
Topic: Emerging Market allocation for UK-based investor
Replies: 11
Views: 950

Re: Emerging Market allocation for UK-based investor

It's a bit of a Sisyphean task trying to keep the UK investing wiki page up to date with the constantly shifting landscape of ETFs, funds, and charges available to UK investors. In a way this is a good thing -- choices generates competition and keeps prices down -- but it's a bit of a bear when it ...
by danielbird193
Thu Jul 18, 2019 6:14 am
Forum: Non-US Investing
Topic: Emerging Market allocation for UK-based investor
Replies: 11
Views: 950

Re: Emerging Market allocation for UK-based investor

Thanks for all of the replies. Helpful to know that South Korea is the only real difference between the MSCI and FTSE indices. Seems to make sense that as my developed world exposure tracks an MSCI index, I should stick with an MSCI index for EM, otherwise I am missing out on Samsung, Hyundai and......
by danielbird193
Thu Jul 18, 2019 3:39 am
Forum: Non-US Investing
Topic: Emerging Market allocation for UK-based investor
Replies: 11
Views: 950

Emerging Market allocation for UK-based investor

I'm 33 years old with an asset allocation target of roughly 75% stocks and 25% bonds. Most of the equity portion is in low-cost MSCI World Index trackers (LCWL and HMWO), but I know this index doesn't include any emerging market stocks. I'd therefore like to tilt my portfolio so that 10%ish of the e...
by danielbird193
Mon Jul 15, 2019 8:06 am
Forum: Non-US Investing
Topic: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?
Replies: 13
Views: 1533

Re: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?

Hi, yes I was confused at first but the key sentence is the first bullet point next to the table showing entry and exit charges of 5%: "No entry or exit charge is payable where shares are purchased/sold on a stock exchange. Investors need only pay any relevant broker and stock exchange fees and comm...
by danielbird193
Fri Jul 12, 2019 3:26 am
Forum: Non-US Investing
Topic: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?
Replies: 13
Views: 1533

Re: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?

I am looking at the factsheet at the link posted below which confirms "Entry / Exit / Performance fees = No". I certainly didn't pay 5% when purchasing it through my UK based broker (AJ Bell YouInvest)! https://www.google.com/url?sa=t&source=web&rct=j&url=http://www.etf.hsbc.com/etf/attachments/uk/f...
by danielbird193
Wed Jul 10, 2019 4:56 pm
Forum: Non-US Investing
Topic: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?
Replies: 13
Views: 1533

Re: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?

For what it's worth, I have roughly 10% in REITs (of which half in the HSBC ETF, and half in an actively managed UK REIT which I've been invested in for a long time and which I'm happy with). I guess pure Bogleheads would say follow market cap weighting, choose the lowest cost funds possible, set yo...
by danielbird193
Tue Jul 09, 2019 2:58 pm
Forum: Non-US Investing
Topic: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?
Replies: 13
Views: 1533

Re: [REITs ETFs] iShares REET (NYSE) or iShares IWDP (LSE) for NRA?

I get a small amount of global REIT exposure from a holding in the HSBC FTSE EPRA/NAREIT Developed UCITS ETF (ticker = HPRD). It's domiciled in Ireland, traded in London and has a total expense ratio of 0.40%. Opinions vary about whether REIT exposure is helpful or not, but it sounds like your mind ...
by danielbird193
Sun Jun 16, 2019 3:01 pm
Forum: Non-US Investing
Topic: Small cap value & emerging markets value on European/London exchanges?
Replies: 4
Views: 860

Re: Small cap value & emerging markets value on European/London exchanges?

Don't have anything against the iShares fund (EMVL) and the 0.4% TER is very competitive for an emerging market fund. My only hesitation is that it's a very new fund (less than 6 months old) and I tend to go for funds which gave at least 3 years of performance data so I can see how they track their ...
by danielbird193
Thu Jun 13, 2019 5:43 am
Forum: Non-US Investing
Topic: Please rate my portfolio
Replies: 17
Views: 1382

Re: Please rate my portfolio

A good place to search for non-US domiciled ETFs is the following: https://www.justetf.com/uk/find-etf.html

It's aimed at EU investors but most of the funds should be available to you in Israel. You can filter by asset class, geography, factor (and plenty more besides).
by danielbird193
Mon Jun 10, 2019 4:53 am
Forum: Non-US Investing
Topic: Small cap value & emerging markets value on European/London exchanges?
Replies: 4
Views: 860

Re: Small cap value & emerging markets value on European/London exchanges?

For EM "value" I have looked at both of the following. Neither are strictly 'value' but they both focus on higher yielding shares which is an approximation of the same thing. Invesco FTSE Emerging Market High Dividend Low Volatility UCITS ETF (IE00BYYXBF44) (OCF: 0.49%) This one has meaningfully low...
by danielbird193
Tue May 21, 2019 9:47 am
Forum: Non-US Investing
Topic: Sources of diversification for UK-based investors
Replies: 5
Views: 390

Re: Sources of diversification for UK-based investors

The choice of ISA and pension is critical. Assuming you are in a defined contribution or SIPP scheme then order of contributions is: - pension first to the extent of the employer match - full ISA allowance for self and spouse (possible Children's ISA etc) - remainder of annual pension allowance as ...
by danielbird193
Tue May 21, 2019 9:44 am
Forum: Non-US Investing
Topic: Sources of diversification for UK-based investors
Replies: 5
Views: 390

Re: Sources of diversification for UK-based investors

The MSCI world does not include emerging markets. So I would look at that one first. To the question of whether or not you need more diversification; do you find yourself worrying about a downturn or the price swings? Thanks for pointing that out. The actively-managed funds I hold (Scottish Mortgag...
by danielbird193
Tue May 21, 2019 8:27 am
Forum: Non-US Investing
Topic: Sources of diversification for UK-based investors
Replies: 5
Views: 390

Sources of diversification for UK-based investors

I've been following with interest discussions elsewhere on this site about how to diversify a simple index-tracking portfolio. Typically that involves people adding some international exposure, small-cap exposure or 'factor' exposure (e.g. value) which are thought to have lower correlations with glo...
by danielbird193
Thu May 16, 2019 9:31 pm
Forum: Non-US Investing
Topic: Hedging the UK property market while non-resident
Replies: 3
Views: 650

Re: Hedging the UK property market while non-resident

You may be eligible for full or partial relief from CGT depending on your exact circumstances. I assume you lived in the house before you went abroad? If it's your only UK property and you have been away for work for less than four years, you will be eligible to full relief. Even if you have been aw...
by danielbird193
Tue May 07, 2019 3:28 am
Forum: Non-US Investing
Topic: UK SIPP Provider Recommendations?
Replies: 14
Views: 2026

Re: UK SIPP Provider Recommendations?

You talk about wanting a functional website and good customer service as well as low cost. I use AJ Bell Youinvest and think the site compares favourably with HL, but at much lower cost. I haven't used Interactive Investor so can't make any comment on how functional that site is.
by danielbird193
Fri May 03, 2019 1:20 am
Forum: Non-US Investing
Topic: iShares World Small Cap ETF vs. Vanguard Global Small Cap fund. Which one would you choose?
Replies: 13
Views: 1580

Re: iShares World Small Cap ETF vs. Vanguard Global Small Cap fund. Which one would you choose?

Where are your other investments held - at the bank or with your broker? It may be sensible to add this new small cap holding to the same account which makes it easier to rebalance when necessary. Other than that I think both sound like good choices and would just urge you to go with the lowest cost...
by danielbird193
Wed May 01, 2019 1:12 pm
Forum: Non-US Investing
Topic: iShares World Small Cap ETF vs. Vanguard Global Small Cap fund. Which one would you choose?
Replies: 13
Views: 1580

Re: iShares World Small Cap ETF vs. Vanguard Global Small Cap fund. Which one would you choose?

Hello and welcome to the forum. I'm thinking of adding a small cap fund as all so was interested in your post. I was a bit confused by your comment that you're new to bonds. Both of these are equity funds - specifically investing in the equity of smaller firms which historically have out-performed l...
by danielbird193
Wed May 01, 2019 6:18 am
Forum: Personal Investments
Topic: Gambling with "fun money" (Penny stocks, other ideas?)
Replies: 43
Views: 3874

Re: Gambling with "fun money" (Penny stocks, other ideas?)

I don't think penny stocks are the way to go, but I liked the suggestion of putting a small bet on some of the recent tech IPOs.

All that said, a weekend in Vegas would be much more fun - and you'd probably have more chance of winning something :)
by danielbird193
Wed Apr 10, 2019 3:11 am
Forum: Non-US Investing
Topic: Bond fund options for UK investors
Replies: 14
Views: 1428

Re: Bond fund options for UK investors

I use the Vanguard Global Bond Index Fund GBP Hedged ( https://www.vanguardinvestor.co.uk/investments/vanguard-global-bond-index-fund-pound-sterling-hedged-accumulation-shares?intcmpgn=fixedincomeglobal_globalbondindexfund_fund_link ). It has a good spread of sovereign and corporate issuers diversif...
by danielbird193
Mon Apr 08, 2019 7:56 pm
Forum: Non-US Investing
Topic: Where to keep an emergency fund in the UK
Replies: 4
Views: 573

Re: Where to keep an emergency fund in the UK

Your emergency fund is just that - a pot of cash that you can access easily in case you need it in a hurry (e.g. your boiler breaks down and needs to be replaced). You wouldn't want to sell investments to fund that expenditure, so you keep some cash aside just in case. By definition it should not be...
by danielbird193
Thu Mar 21, 2019 2:20 pm
Forum: Non-US Investing
Topic: Best ETF screener that can exclude US-domiciled ETFs?
Replies: 3
Views: 620

Re: Best ETF screener that can exclude US-domiciled ETFs?

JustETF is great. Has anyone used their premium functions (portfolio construction and tracking, back-testing etc). It looks great but fairly pricy so I would welcome any recommendations before signing up.