Search found 38 matches

by Schlabba
Tue Jun 04, 2019 1:50 pm
Forum: Non-US Investing
Topic: SWR on rentals
Replies: 5
Views: 356

Re: SWR on rentals

If the house slowly depreciates in value and if I spend all the rent, won't I end up poor?
by Schlabba
Tue Jun 04, 2019 1:35 pm
Forum: Non-US Investing
Topic: SWR on rentals
Replies: 5
Views: 356

SWR on rentals

I was thinking about howmuch money I need to retire and assuming at 4% SWR or a 3% SWR makes a huge difference. I currently own a rental and the rent-ROI is higher than 4%. If the mortgage would be paid off it would be 5%. With a mortgage it can go all the way up to 8%. Some of that money would have...
by Schlabba
Tue Jun 04, 2019 1:26 pm
Forum: Non-US Investing
Topic: Any advice on my situation?
Replies: 17
Views: 1270

Re: Any advice on my situation?

My expenses are exactly 4% of my savings. That is including your pension. Can you touch that money already without a penalty? If you want to retire ASAP you sell your house and move into a cheaper house. Not only does that free up a few hunderd thousand it also lowers your expenses (taxes, heating ...
by Schlabba
Sat Jun 01, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an investment property while renting an apartment?
Replies: 24
Views: 1729

Re: Buying an investment property while renting an apartment?

I currently live and therefore rent an apartment, and for years I have debated on buying a home to live in or a home to at least rent out. With my current circumstances, it doesn’t make much sense for me to buy a house even though I could easily afford it. For me, buying a house to rent out is much...
by Schlabba
Sat Jun 01, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: Avoiding the echo chamber?
Replies: 22
Views: 2391

Re: Avoiding the echo chamber?

Put your money to work and move on with the rest of your life.

I have the same problem as you do. I keep coming to this forum hoping to learn something new. :D
by Schlabba
Sat Jun 01, 2019 10:14 am
Forum: Non-US Investing
Topic: UK Bond ETF allocation options
Replies: 13
Views: 602

Re: UK Bond ETF allocation options

I'm in the process of figuring out what my AA should be for my UK/GBP networth. I'm presently non-resident to the UK so I can only use ETFs but at least I have no capital gains. What to do with my 20% bond related allocations? I think if I were using funds, I'd simply the Vanguard Global Bond Index...
by Schlabba
Sat Jun 01, 2019 1:58 am
Forum: Non-US Investing
Topic: Which of these EU bond funds would you pick as temporary storage / safe haven for stocks?
Replies: 12
Views: 822

Re: Which of these EU bond funds would you pick as temporary storage / safe haven for stocks?

I would use a bond etf to hold for 3 years. Anyway I think you might want to reconsider the one you discarded over transaction cost. The IE00B14X4Q57 has a TER of 0.20%. If you hold it for 3 years you pay 3 times 0.10% compared to your ‘main’ bond fund. Your transaction cost is roughly 4€ + 0.058% ...
by Schlabba
Fri May 31, 2019 10:02 pm
Forum: Non-US Investing
Topic: Which of these EU bond funds would you pick as temporary storage / safe haven for stocks?
Replies: 12
Views: 822

Re: Which of these EU bond funds would you pick as temporary storage / safe haven for stocks?

I would use a bond etf to hold for 3 years. Anyway I think you might want to reconsider the one you discarded over transaction cost. The IE00B14X4Q57 has a TER of 0.20%. If you hold it for 3 years you pay 3 times 0.10% compared to your ‘main’ bond fund. Your transaction cost is roughly 4€ + 0.058% +...
by Schlabba
Thu May 30, 2019 10:06 pm
Forum: Non-US Investing
Topic: Good way to split allocations with non-resident spouse [Netherlands]
Replies: 5
Views: 673

Re: Good way to split allocations with non-resident spouse [Netherlands]

We are going back to Amsterdam, probably for good, and I am wondering if it makes more sense for me to hold higher percentage of bonds from our portfolio? He is the only one employed, and we have only taxable accounts. To answer we need much more information. Howmuch (%) bonds do you have already? ...
by Schlabba
Thu May 30, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5439

Re: Jim Cramer

Jim cramer is one of the best reasons for the ‘don’t peek’ rule.

Don’t look at your money, don’t follow financial news. It only distracts.
by Schlabba
Mon May 27, 2019 6:56 am
Forum: Personal Investments
Topic: Keeping Track of Your Investments
Replies: 5
Views: 702

Re: Keeping Track of Your Investments

I have a son who has limited computer skills. I suspect that he will need some means to keep track of his investments/portfolio. Please provide your recommendation of a book or journal to manually record and keep track of where the money is. MUCH appreciated. The best investment he can make is gett...
by Schlabba
Mon May 27, 2019 12:46 am
Forum: Personal Investments
Topic: Is this a good long-term portfolio?
Replies: 37
Views: 3050

Re: Is this a good long-term portfolio?

I will offer my thoughts to your very broad question. My answer is yes and no. Yes to the 50/50 allocation (and heavier EM exposure). No to being 100% equities (even though you said you would not sell in a downturn). The reason for the latter, no, is because I follow Graham's advice to never be mor...
by Schlabba
Sun May 26, 2019 10:13 am
Forum: Personal Investments
Topic: Allocation to individual stocks/bonds
Replies: 13
Views: 760

Re: Allocation to individual stocks/bonds

Hi everyone, I've been following an index fund/ETF only strategy for the last couple of years, but would like to start allocating a small part of my portfolio to individual picks I would like to make. For those of you who combine indexing with some individual active asset picking, how much of your ...
by Schlabba
Fri May 24, 2019 11:38 am
Forum: Personal Investments
Topic: Bond Fund for new investor
Replies: 17
Views: 858

Re: Bond Fund for new investor

Hello all. I got some great help with what to do as I switch a bunch of accounts all over to Vanguard to manage myself. I am going roughly with the three fund portfolio. I am a new investor and plan on educating myself for the rest of my lifetime (it will take that long!) Roughly? What are you plan...
by Schlabba
Fri May 24, 2019 11:17 am
Forum: Personal Investments
Topic: Bond Fund for new investor
Replies: 17
Views: 858

Re: Bond Fund for new investor

Hello all. I got some great help with what to do as I switch a bunch of accounts all over to Vanguard to manage myself. I am going roughly with the three fund portfolio. I am a new investor and plan on educating myself for the rest of my lifetime (it will take that long!) Roughly? What are you plan...
by Schlabba
Fri May 24, 2019 11:02 am
Forum: Non-US Investing
Topic: VUAA: new Irish S&P 500 UCITS ETF (Accumulating)
Replies: 7
Views: 500

Re: VUAA: new Irish S&P 500 UCITS ETF (Accumulating)

Does the price per share matter?

I also noticed they started adding accumulating funds. I really hope for a ftse all world (acc)!
by Schlabba
Fri May 24, 2019 10:52 am
Forum: Personal Investments
Topic: Bond Fund for new investor
Replies: 17
Views: 858

Re: Bond Fund for new investor

Hello all. I got some great help with what to do as I switch a bunch of accounts all over to Vanguard to manage myself. I am going roughly with the three fund portfolio. I am a new investor and plan on educating myself for the rest of my lifetime (it will take that long!) Roughly? What are you plan...
by Schlabba
Wed May 22, 2019 9:40 pm
Forum: Non-US Investing
Topic: Leverage with zero interest loan?
Replies: 8
Views: 666

Re: Leverage with zero interest loan?

Hello bogleheads. The online broker I use offers a zero interest rate loan as long as it is either 10% of portfolio value or max. $5K (converted from SEK). If the leverage exceed 10% you will pay an interest rate. Is there any reason why I should not use this credit to accumulate more shares in my ...
by Schlabba
Wed May 22, 2019 11:30 am
Forum: Non-US Investing
Topic: Does this specific tax system make bonds slightly less appealing?
Replies: 20
Views: 997

Re: Does this specific tax system make bonds slightly less appealing?

I have iShares Core € Corp Bond UCITS ETF. At the time I bought it iShares Core Global Aggregate Bond UCITS ETF didn’t exist yet. Sometimes I wonder whether I should switch to the aggregate. I didn’t (yet?). The equity risk in the former will show up in the next equity bear market. Reduces the dive...
by Schlabba
Wed May 22, 2019 10:36 am
Forum: Non-US Investing
Topic: Does this specific tax system make bonds slightly less appealing?
Replies: 20
Views: 997

Re: Does this specific tax system make bonds slightly less appealing?

I have iShares Core € Corp Bond UCITS ETF. At the time I bought it iShares Core Global Aggregate Bond UCITS ETF didn’t exist yet.

Sometimes I wonder whether I should switch to the aggregate. I didn’t (yet?).
by Schlabba
Wed May 22, 2019 10:10 am
Forum: Non-US Investing
Topic: Does this specific tax system make bonds slightly less appealing?
Replies: 20
Views: 997

Re: Does this specific tax system make bonds slightly less appealing?

There's one caveat to that. If you have a "target wealth level" you want to hit at some given age, it might make you take more risk. I'm curious, does your statement refer to the scenario where I want to be living of my investments? To answer the OP, I as a dutch investor, completely ignore it. The...
by Schlabba
Wed May 22, 2019 12:01 am
Forum: Non-US Investing
Topic: Does this specific tax system make bonds slightly less appealing?
Replies: 20
Views: 997

Re: Does this specific tax system make bonds slightly less appealing?

Is this dutch wealth tax also applicable to savings accounts? And also to Real estate outside your primary residence? If I remember correctly the Netherlands do not have capital gains tax, and dividend tax can be offset against the wealth tax? Right? Its basically a net worth tax, with the exceptio...
by Schlabba
Tue May 21, 2019 8:43 am
Forum: Non-US Investing
Topic: Sources of diversification for UK-based investors
Replies: 5
Views: 276

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?
by Schlabba
Mon May 20, 2019 1:56 am
Forum: Non-US Investing
Topic: Investment plan - is it sensible?
Replies: 7
Views: 818

Re: Investment plan - is it sensible?

The small cap that I hold seem to largely vevolve in sync with the large caps, but more volatile. Higher highs and lower lows. In theory is should, in the long term, give an extra 0.x percent return. Are you sure about that it should outperform? Here is a little analysis: https://www.vanguard.com/b...
by Schlabba
Sun May 19, 2019 8:19 pm
Forum: Non-US Investing
Topic: Investment plan - is it sensible?
Replies: 7
Views: 818

Re: Investment plan - is it sensible?

Hello and welcome! It seems like you have it figured out mostly. I have some tiny comments but feel free to ignore them. Your stock allocation seems to overweigh emerging markets by alot. Normally it doesn’t consist of 40% of the total. There is nothing wrong with this but I am just mentioning it. Y...
by Schlabba
Sat May 18, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6554

Re: Do you reward yourself for achieving a financial goal?

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? I kinda thought this post was joke. What’s next a second home in Aspen for a million. To answer “no” nor would anyone who wants to achiev...
by Schlabba
Sat May 18, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6554

Re: Do you reward yourself for achieving a financial goal?

P.S. OP, where are you???? FWIW, I don't have a lot of patience with OPs who post and then disappear without responding to/engaging with those who've taken the time to respond thoughtfully, even if only to say "Thanks but no thanks." Not that I keep a ledger, but I do note that in so doing such OPs...
by Schlabba
Thu May 16, 2019 10:17 pm
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5339

Re: Does stock allocation truly matter?

I am wondering now if the question was about stock/fixed income allocation or about allocation within whatever proportion of stocks one hold, whether by that we mean US/Intl or tilting to small and value or buying dividend stocks, or whatever it is? I read the question as your 2nd option. I used to...
by Schlabba
Thu May 16, 2019 9:14 pm
Forum: Non-US Investing
Topic: [Belgium] 18yo worth 37k, am I doing good?
Replies: 5
Views: 608

Re: [Belgium] 18yo worth 37k, am I doing good?

You are doing great in the sense that you are actively investing at 18! I only discovered investing in my late 20’s and I remember wishing I started 10 years earlier. If you live below your means and invest you will be wealthy whether you choose to live in Belgium or the US. On the question of buyin...
by Schlabba
Wed May 15, 2019 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6554

Re: Do you reward yourself for achieving a financial goal?

I prefer to look at my income, not NW. I assume roughly 5% net on stocks (of course varies up and down but that's a good assumption on average), whatever comes net on rental RE, plus job income. Save and (re)invest 30% of total net income, spend the rest guilt free. If followed religiously over you...
by Schlabba
Wed May 15, 2019 2:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6554

Do you reward yourself for achieving a financial goal?

Hi,

Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that?
by Schlabba
Sun May 12, 2019 10:07 am
Forum: Forum Issues and Administration
Topic: Real Names
Replies: 16
Views: 940

Re: Real Names

David Althaus wrote:
Sun May 12, 2019 10:06 am
OK. My main point is anonymity is a curse to civil and meaningful dialogue.
Is it? The bogleheads forum is filled with civil and meaningful dialogue.
by Schlabba
Sun May 12, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 10633

Re: What is your U.S./ex-U.S. stock allocation?

63.13 / 36.87 (MSCI World index)
by Schlabba
Sun May 12, 2019 5:08 am
Forum: Non-US Investing
Topic: Using a little margin to enhance returns a little
Replies: 11
Views: 948

Re: Using a little margin to enhance returns a little

Achkelone wrote:
Sat May 11, 2019 5:57 pm
Why don't you just borrow money from your bank, instead of your broker ? I just borrowed 30.000€ @ 0,95%.
I also consider increasing my mortgage (interest rate is 1.45%) to put the money into the stock market. Where did you find a 0,95% loan? My local bank starts at 4%!
by Schlabba
Sun May 12, 2019 4:57 am
Forum: Non-US Investing
Topic: Currency risk for the long term [Europe]
Replies: 19
Views: 1540

Re: Currency risk for the long term [Europe]

My advise is also not to hedge.
But if it helps you sleep at night and stay the course, it might be worth getting a hedged etf. The
iShares S&P 500 EUR Hedged costs 0.20% TER, which is the same as their MSCI World.
by Schlabba
Sun May 12, 2019 3:26 am
Forum: Non-US Investing
Topic: Currency risk for the long term [Europe]
Replies: 19
Views: 1540

Re: Currency risk for the long term [Europe]

If you buy a worldwide diversified index fund the companies you own are generating their profits in all kinds of currencies, and many of those comapnies operate across currency borders as well. I personally wouldn’t hedge any long term investments. Maybe only if you buy a bonds fund that you intent ...
by Schlabba
Sat May 11, 2019 9:52 am
Forum: Non-US Investing
Topic: Using a little margin to enhance returns a little
Replies: 11
Views: 948

Re: Using a little margin to enhance returns a little

if I get a 7% return on 10k and pay 1.25% interest, I would end up with a "free" 575€. I'm concerned about your 7% estimated return. That might be hard to achieve and could require significant exposure to risky assets (equities), and 7% returns for equities are not guaranteed. You haven't disclosed...
by Schlabba
Sat May 11, 2019 9:28 am
Forum: Non-US Investing
Topic: Using a little margin to enhance returns a little
Replies: 11
Views: 948

Using a little margin to enhance returns a little

Hi Bogleheads, I found out my local broker charges only EONIA + 1.25% for borrowing money in Euros, which is basically 1.25%. I read on the forums the adventures of Market Timer in 2008, but then I wondered, what if you only apply a little margin for a little "free" profit? During the great depressi...