Search found 32 matches

by engineerahead
Sat Oct 26, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9929

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I don't remember any of their products being pitched as a " cheaper reliable alternative," but maybe I'm forgetting something? I mean, I agree with a lot of what you said, with a couple of differences. Im sorry english is not my first language and sometimes I have difficulties explaining what exact...
by engineerahead
Thu Oct 24, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9929

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I don't think people buy iphones because they think apple invented a bunch of stuff. I think they buy them because of the brand reputation, the apple ecosystem, and the fact the phones work well (I think this because I've just never heard somebody say "I bought an iphone because apple invented/pion...
by engineerahead
Thu Oct 24, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9929

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I don't get your last paragraph. Why do you think that Apple pretends (could you give an example) they invent everything and "buyers believe it?" Personally, I don't care who came up with the initial idea for a feature in a product I buy, as long as I get the feature (if I did care, I'd say a littl...
by engineerahead
Wed Oct 23, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9929

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Why did you choose an iPhone? First smartphone available. I'm pretty sure it wasnt, the first smartphone was a nokia communicator and the term was used even a decade earlier. Apple got a device that was really close to today's smartphones but it wasnt "a phone" in the first place. Apart from that m...
by engineerahead
Wed Oct 23, 2019 11:09 pm
Forum: Non-US Investing
Topic: Vanguard cuts fees across its European range
Replies: 16
Views: 2694

Re: Vanguard cuts fees across its European range

That's some amazing news!
Sadly, the accumulating versions still aren't that interesting. This step is such a good thing though, here's hoping this will force a move on Blackrock to lower a bit as well :sharebeer
by engineerahead
Sun Oct 20, 2019 11:12 pm
Forum: Non-US Investing
Topic: [CZ] ETF investment plan check & questions
Replies: 18
Views: 1749

Re: [CZ] ETF investment plan check & questions

Thank you very much for such a detailed wrap-up, I will definitely consider it. On degiro, it translates to: SYMBOL_NAME [TER] [SHARE] iSHR S&P500 B A [0.07] (57) iShares Core MSCI Emerging Markets IMI UCITS ETF [0.18] [10.4] ISHARES MSCI EUR A [0.12] (18.4) ISHARES MSCI JAP A [0.15] (7.1) ISHARES ...
by engineerahead
Thu Oct 10, 2019 3:46 am
Forum: Personal Finance (Not Investing)
Topic: First house - planning and sanity check - need feedback
Replies: 6
Views: 841

Re: First house - planning and sanity check - need feedback

For retirement many like to place the master bedroom/bath on the main floor. Since you plan on having an additional child a small nursery adjacent to the bedroom would be nice and could later be switched to a hobby room or small retreat area. Thanks for the advice, I must admit the room possibly re...
by engineerahead
Thu Oct 10, 2019 3:15 am
Forum: Personal Finance (Not Investing)
Topic: First house - planning and sanity check - need feedback
Replies: 6
Views: 841

First house - planning and sanity check - need feedback

Hello everybody, there are some things regarding handling a first house I would like some opinions/advices about so I can cherry pick the answers correlating with my thinking (jk) The long term plan is to get a dream house I wont change in the future and then save for FI/RE The thing: I am 26yrs old...
by engineerahead
Wed Sep 11, 2019 4:49 am
Forum: Personal Investments
Topic: Using "dry powder" to buy the dips for a mostly buy-and-holder
Replies: 17
Views: 2944

Re: Using "dry powder" to buy the dips for a mostly buy-and-holder

Hey! Im a newbie, could you, please, explain to me why is it so much market timing and not a preplanned rebalancing strategy? If I knew in the first place that I: 1) invest for the long term horizon 2) dont plan on using the money anytime soon 3) invest only absolute surplus i wont need in a few yea...
by engineerahead
Fri Sep 06, 2019 1:21 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 336
Views: 321490

Re: A time to EVALUATE your jitters

This is not any kind of prediction or observation, not intended to create reassurance or fear... Its 9/6/19, everyone is talking about brexit, soon upcoming recession and bubbles all around the world, also warnings of too much % of market being in indexes; and I have just stumbled upon this post, n...
by engineerahead
Thu Sep 05, 2019 1:15 pm
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

What you are missing is the reality of living through a severe downturn/recession and the behavioral aspect of watching one's investments evaporate. Additional behavioral aspect of being young enough to have only experienced a strong and surging stock market. And the cherry on the behavioral aspect...
by engineerahead
Wed Sep 04, 2019 3:21 pm
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

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 engineerahead
Tue Sep 03, 2019 9:29 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

Also, even the big recessions were back on track in 2-4 years usually. Some of the drawdowns were very deep and extended. Also depends on the allocation as well as the underlying funds. Search the forum threads on this. j I just now read through post "How bad was 2008?" And realized its easy to say...
by engineerahead
Tue Sep 03, 2019 8:42 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

In 2008 we glimpsed the end of the financial system as we knew it. The logical stock price of the conditions in late September-early October was, for financial stocks at least zero - total nationalization. In Ireland, Iceland and to some extent the UK & US (& Germany) that actually happened. Virtua...
by engineerahead
Tue Sep 03, 2019 8:02 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

Remember one thing.... everyone has great ideas about asset allocation when you are 10 years into a bull market and the longest economic expansion on record. Personally, buying my first stocks around age 20 or 21, I had no use for bonds either.... but that was 50 years ago so I've seen a cycle or t...
by engineerahead
Tue Sep 03, 2019 7:43 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

Wow thanks for the amazing explanation! Thus if you look at 100% stock vs. 80% stock/ 20% bond the loss in total return is quite small - on historical data. The drop in volatility is significant. Im not that good with portfolio visualiser and don't really know which bonds are best to backtest, but w...
by engineerahead
Tue Sep 03, 2019 3:24 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

I don't necessarily think you are wrong, except for this comment. Also, even the big recessions were back on track in 2-4 years usually. There certainly have been much longer periods of down markets. Just because the last 2 were not like this does not mean that they will never occur again. Of cours...
by engineerahead
Tue Sep 03, 2019 3:02 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

I sleep well at night knowing that at least 1 of my asset classes is up in value most of the time, so that I can sell it if I have to. Yeah this I understand. Also in your case, being a freelancer, I would probably choose likewise. Its the more bonds allocations from people that aren't freelancers....
by engineerahead
Tue Sep 03, 2019 2:10 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

Re: risk tolerance - too much in bonds?

Instead of having a huge emergency fund to cover a 2 year unemployment I would understand even a large emergency fund as a freelancer, but your plan seems to be working and profitable. I have my emergency fund for 3-6m at most. During a bad recession with unemployment yes, one would need to probabl...
by engineerahead
Tue Sep 03, 2019 1:13 am
Forum: Non-US Investing
Topic: risk tolerance - too much in bonds?
Replies: 34
Views: 2754

risk tolerance - too much in bonds?

Hello bogleheads! Lately I've been thinking about risk tolerance when comparing ifferent people and their plans. Yes, I know this is usually very closely tied to a specific person, their mind and individual case. I'm just wondering if im forgetting something in regards to equity allocation. I, mysel...
by engineerahead
Mon Sep 02, 2019 2:22 am
Forum: Non-US Investing
Topic: Four year review - Way forward or am I doing something wrong?
Replies: 19
Views: 2491

Re: Four year review - Way forward or am I doing something wrong?

it gives me steady 3.5% annual return , which is still better than what I am getting from the index fund which has given me 5% return over 4 years . I think you misunderstand the numbers. Your investment has not only given a quite good return (anything above 4% would be decently good, the median fo...
by engineerahead
Sun Sep 01, 2019 11:31 pm
Forum: Non-US Investing
Topic: Four year review - Way forward or am I doing something wrong?
Replies: 19
Views: 2491

Re: Four year review - Way forward or am I doing something wrong?

I have started this journey hoping that I will see at least 5%-8% annual returns but after this time, it seems unrealistic. If you put in a lump sum of money, which I guess you didn't, the 35,166 over four years at 5% return would be (correct me if I'm wrong here): 35,166*(1,05)^4 = 42,744. Which i...
by engineerahead
Wed Aug 28, 2019 11:27 pm
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

Re: SWRD.. again (SPDR vs IShares MSCI World ETF)

I dug a bit deeper into factual expense ratios that you can find in annual reports. There's no annual report for VWRA or SWRD yet. I took as example a distributing VWRD - for year ending 30 June 2018, tracking difference was -0.02% (fund returned 10.59% while benchmark returned 10.61%). Does that m...
by engineerahead
Wed Aug 28, 2019 8:12 am
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

Re: SWRD.. again

From the info you provided IWDA seems to be the better choice, even more so when it's possible the TER decreases over time. Do you feel that there is anything else on the topic I may be missing? Just the usual - that the historic performance does not indicate future performance. SWRD might really p...
by engineerahead
Wed Aug 28, 2019 8:10 am
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

Re: SWRD.. again

EngineersAhead, I suggest you edit your subject line to include more than a bare ticker symbol. I'm not a mod and can't do it myself. You can do it yourself simply by editing your initial post--the subject line will become editable. I suggest something like "SWRD vs IWDA? (SPDR and iShares MSCI Wor...
by engineerahead
Wed Aug 28, 2019 6:44 am
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

Re: SWRD.. again

VWRA hasn't doubled in a month. It's share class assets are $0.1m several days after it launched (31st July), and the next point in reporting share class assets will be on 31st August. Vanguard seems to be updating AUM info monthly only. Entire VWRA fund size is $2.8b, but that includes distributin...
by engineerahead
Wed Aug 28, 2019 4:30 am
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

Re: SWRD.. again

I’ve seen changes to ishares etf’s on a regular basis. I will hold IWDA and expect the TER to drop in the future. Also, degiro charges no transaction cost on IWDA. EDIT: rewrote the comment to be more clear. Yes I've head that iShares improves TER in time, that's a good thing to say the least. The ...
by engineerahead
Wed Aug 28, 2019 3:14 am
Forum: Non-US Investing
Topic: SWRD.. again (SPDR vs IShares MSCI World ETF)
Replies: 20
Views: 1858

SWRD.. again (SPDR vs IShares MSCI World ETF)

Hello bogleheads and let me state in advance that I'm sorry to bring SWRD ( SPDR MSCI World UCITS ETF ) up again since there are multiple threads mentioning SWRD vs IWDA ( iShares Core MSCI World UCITS ETF ) already. Frankly, none of them explained all the questions. The thing is, SWRD is pretty int...
by engineerahead
Fri Aug 23, 2019 10:49 am
Forum: Non-US Investing
Topic: Cheapest way to buy MSCI World
Replies: 17
Views: 1329

Re: Cheapest way to buy MSCI World

I hope you know I didn't mean to be a negative nancy, I meant well for the others to just consider this and have mentioned it has more work and specifics. If it felt too agressive then I am sorry. Not at all! I really appreciated your post, sincerely. Thank you for posting it. I know tone is diffic...
by engineerahead
Fri Aug 23, 2019 10:29 am
Forum: Non-US Investing
Topic: Cheapest way to buy MSCI World
Replies: 17
Views: 1329

Re: Cheapest way to buy MSCI World

The usual default strategy for the international boglehead is to buy the total stock market. The most popular index that covers the total stock market is the MSCI ACWI index (or some variant of it) so the question is what are the simplest and most cost-effective ways to buy this index. The simplest...
by engineerahead
Thu Aug 22, 2019 11:38 pm
Forum: Non-US Investing
Topic: [CZ] ETF investment plan check & questions
Replies: 18
Views: 1749

Re: [CZ] ETF investment plan check & questions

[...] Interesting - could you please give an example of such 6-7 ETFs? I would be interested. The price per trade at degiro with ~500-2000€ is usually about <3€/trade or something (and some of them for free entirely, such as IWDA), so absolutely negligible compared to swings and TERs in the longter...
by engineerahead
Thu Aug 22, 2019 12:12 am
Forum: Non-US Investing
Topic: [CZ] ETF investment plan check & questions
Replies: 18
Views: 1749

Re: [CZ] ETF investment plan check & questions

Hello guys, a fellow CZ starter here! Portfolio plan: You're going for the typical allocation which is probably the best way for starters. The allocation % you mention (80/20 85/15) doesn't really matter, but if you really want to tinker, then the goal is to replicate the All World index, which is d...