Search found 28 matches

by oogZoo
Fri Nov 15, 2019 6:43 pm
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 27
Views: 1233

Re: Receiving an International Bank Wire Transfer Questions

So no one here has received an international wire transfer to their boa or ally bank at all? Im shocked at this because i found this forum and it seem be a lot about finances and banking so i figure lots of people here has received or sent wires with boa or ally bank which are 2 popular us banks. Y...
by oogZoo
Fri Nov 15, 2019 9:17 am
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 27
Views: 1233

Re: Receiving an International Bank Wire Transfer Questions

This is a reasonable option if the sender has access to make a local transfer to one of the currencies that you could set up as a TransferWise borderless account and for which TransferWise provides local bank details (those currencies listed by oogZoo). However, IIRC, when you then want to withdraw...
by oogZoo
Fri Nov 15, 2019 5:01 am
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 27
Views: 1233

Re: Receiving an International Bank Wire Transfer Questions

Hi there. I read about transferwise. The issue is the sender would need to create an account to do this. I dont think they would want to be bothered with this process. They do things pretty old school etc. You can also create an account for yourself as a recipient and that way make things easier fo...
by oogZoo
Thu Nov 14, 2019 6:40 pm
Forum: Non-US Investing
Topic: My Portfolio - Seeking Advice. Romania. 4 Currencies.
Replies: 21
Views: 974

Re: My Portfolio - Seeking Advice. Romania. 4 Currencies.

1. Vanguard FTSE Developed World UCITS ETF Acc | TER 0.12% | AUM $355 million | Inception Date - 24 September 2019 (problem?) Under the factsheet I saw their Ongoing Charges Figure - 0.18% - I've done a quick search on Google, however, I'm still unclear as to how it is different to the TER and whet...
by oogZoo
Thu Nov 14, 2019 7:04 am
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 27
Views: 1233

Re: Receiving an International Bank Wire Transfer Questions

Have a look at TransferWise for eliminating huge bank fees and lousy exchange rates when doing cross-border transfers. Their borderless account would work very well for this purpose.
by oogZoo
Thu Nov 14, 2019 6:55 am
Forum: Non-US Investing
Topic: How to buy a few thousand shares of VWCE?
Replies: 6
Views: 716

Re: How to buy a few thousand shares of VWCE?

If you do not have visibility to the order book through your broker, you can have a look through Börse Frankfurt web site: https://www.boerse-frankfurt.de/en/etf/vanguard-ftse-all-world-ucits-etf-usd-accumulating (though it is 15 minutes delayed) There is always a few thousand shares of this ETF ava...
by oogZoo
Sat Nov 09, 2019 12:06 pm
Forum: Non-US Investing
Topic: S&P500 52 week high, Hold, DCA, or Invest lump sums
Replies: 13
Views: 1040

Re: S&P500 52 week high, Hold, DCA, or Invest lump sums

Here’s a Vanguard paper on lump sum vs DCA that (paraphrasing a bit) concludes it’s prudent under certain assumptions to lump sum invest to gain access to markets as soon as possible, but acknowledges that for the investor concerned with managing risk and minimizing regret, DCA may be of use: https...
by oogZoo
Thu Nov 07, 2019 1:42 am
Forum: Non-US Investing
Topic: New Accumulating Vanguard ETFs for EU Investors
Replies: 7
Views: 1348

Re: New Accumulating Vanguard ETFs for EU Investors

<r><QUOTE author="minimalistmarc" post_id="4826912" time="1573077827" user_id="100852"><s>[quote=minimalistmarc post_id=4826912 time=1573077827 user_id=100852]</s> U.K. - I was considering switching my all world ETF from VWRL (income) to VWRP accumulating.<br/> <br/> However, I believe that VWRL ER ...
by oogZoo
Mon Nov 04, 2019 2:45 pm
Forum: Non-US Investing
Topic: European ETFs historical data (including AUM, dividends/distributions, etc)
Replies: 5
Views: 369

Re: European ETFs historical data (including AUM, dividends/distributions, etc)

iShares.com publishes for their ETFs an Excel with daily price of the funds since inception and current positions. Likewise with SPDR and Vanguard. (But I guess the OP was looking for a site which provides the data from all ETF providers.) www.etfinfo.com website has the price info but I do not thi...
by oogZoo
Thu Oct 31, 2019 1:35 pm
Forum: Non-US Investing
Topic: Investing for minor in S&P500 IE ETF
Replies: 9
Views: 472

Re: Investing for minor in S&P500 IE ETF

The smartest choice depends on the local tax legislation. Also the selection of available brokers depends on where you are located. So impossible to answer without more details. Here in Finland gift tax is smaller than capital gains tax. And capital gains tax of a gift is calculated based on gains a...
by oogZoo
Sun Oct 27, 2019 3:51 pm
Forum: Non-US Investing
Topic: Saxo Bank ETFs on different exchanges
Replies: 4
Views: 323

Re: Saxo Bank ETFs on different exchanges

I compared those two ETFs at the following site: https://www.justetf.com/de-en/find-etf.html I did not see any significant difference in their performance. So if the history data at your broker indicates otherwise, it could be some sort of glitch at the broker's systems. There is however a small dif...
by oogZoo
Wed Oct 23, 2019 1:55 pm
Forum: Non-US Investing
Topic: [Non-US] Planning to meet a wealth management advisor for education
Replies: 16
Views: 1016

Re: [Non-US] Planning to meet a wealth management advisor for education

mhalley wrote:
Wed Oct 23, 2019 1:35 pm
For one thing, you are wasting his time.
Anyone cold calling to market their services is wasting massive amounts (in total) of other people's time. So it is only fair that once in a while someone wastes their time. :)
by oogZoo
Sat Oct 19, 2019 4:04 am
Forum: Non-US Investing
Topic: Portfolio for retirement at 40 - advice please! [SPAIN]
Replies: 9
Views: 1109

Re: Portfolio for retirement at 40 - advice please! [SPAIN]

So I will update the equity so as not to miss anything: [54%] World: iShares Core MSCI World UCITS ETF USD (Acc) (EUR) IE00B4L5Y983 - 0.20% [6%] Emerging: iShares Core MSCI EM IMI UCITS ETF USD (Acc) (EUR) IE00BKM4GZ66 - 0.18% If you are after smaller TER, then you might want to consider the follow...
by oogZoo
Fri Oct 18, 2019 8:44 am
Forum: Non-US Investing
Topic: Portfolio for retirement at 40 - advice please! [SPAIN]
Replies: 9
Views: 1109

Re: Portfolio for retirement at 40 - advice please! [SPAIN]

bogleeuro wrote:
Fri Oct 18, 2019 6:05 am
Have I missed anything obvious?
You are missing Canada. :)
by oogZoo
Thu Oct 10, 2019 12:58 am
Forum: Non-US Investing
Topic: European in the US wants to FIRE in 5 years. Questions.
Replies: 44
Views: 3673

Re: European in the US wants to FIRE in 5 years. Questions.

One follow up Q, let's say you pay exit tax on your capital gains (as if you were selling) but you don't sell. Back in EU, you'll may sell your assets. Was the cost basis adjusted? e.g. ETF sold in US at $100, when you leave US it's worth $120, so you pay capital gains on $20. Back in EU is $150 an...
by oogZoo
Mon Oct 07, 2019 4:29 pm
Forum: Non-US Investing
Topic: Why emerging market bonds?
Replies: 37
Views: 3590

Re: Why emerging market bonds?

There are also emerging markets local currency bonds in case you do not want to increase your USD exposure. For example: IE00BFZPF546 iShares J.P. Morgan EM Local Govt Bond UCITS ETF IE00BFWFPY67 SPDR Bloomberg Barclays Emerging Markets Local Bond UCITS ETF Just an idea in case you didn't notice the...
by oogZoo
Thu Oct 03, 2019 2:34 pm
Forum: Non-US Investing
Topic: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]
Replies: 43
Views: 4141

Re: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]

Based on the chart on page 12 in this study (admittedly the data is 10-20 years old), 90th/99th percentile net worth: Sweden 151,000/456,000 euros Finland 160,000/506,000 euros USA 483.000/3,756,000 euros (figures are in 2005 euros). More up to date year 2016 numbers: Net worth P90/P99: Finland 485...
by oogZoo
Fri Sep 27, 2019 12:26 am
Forum: Non-US Investing
Topic: Investing in Norway for expat
Replies: 26
Views: 1981

Re: Investing in Norway for expat

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by oogZoo
Wed Sep 25, 2019 2:48 pm
Forum: Non-US Investing
Topic: VWRD Dividends
Replies: 7
Views: 697

Re: VWRD Dividends

I can’t seem to find any details about the VWRD Vanguard total word fund dividends. You can see it at the following address: https://americas.vanguard.com/institutional/mvc/detail/etf/overview?portId=9505&assetCode=EQUITY##pricesanddistributions Scroll to the bottom to "Distribution history" section.
by oogZoo
Tue Sep 24, 2019 10:34 am
Forum: Non-US Investing
Topic: Ishares is delisting ETFs from the London stock exchange.
Replies: 32
Views: 3861

Re: Ishares is delisting ETFs from the London stock exchange.

DJN wrote:
Tue Sep 24, 2019 9:13 am
The only problem seems to be that I cannot access AGGH on the Xetra exchange on IBKR only on LSE. I will have to call them again.
At Xetra the ticker is EUNA. Better to search with ISIN (IE00BDBRDM35) because for many ETFs the ticker is different at different exchanges.
by oogZoo
Wed Sep 18, 2019 4:39 pm
Forum: Non-US Investing
Topic: Vanguard Ireland domiciled funds
Replies: 16
Views: 1119

Re: Vanguard Ireland domiciled funds

If the funds were domiciled in UK, nobody in other EU countries would be using them currently.
by oogZoo
Sat Sep 14, 2019 5:31 am
Forum: Non-US Investing
Topic: Belgian - US or EUR denominated bonds?
Replies: 12
Views: 713

Re: Belgian - US or EUR denominated bonds?

Not quite true. If we assume there is no credit risk, then yes, the expected return should be exactly the same. However bonds do have credit risk, which is why bond funds still get to have any sort of positive return these days. But credit risk means you have risk of default. Thanks glorat. I overl...
by oogZoo
Sat Sep 14, 2019 5:21 am
Forum: Non-US Investing
Topic: UK Guy who fell in love and moved later in life to the USA
Replies: 10
Views: 1822

Re: UK Guy who fell in love and moved later in life to the USA

I wished there were euro hedge funds buying just treasuries. I have to use global bond instead (they have a big chunk of treasuries, thankfully) Do you mean something like one of the following? Xtrackers US Treasuries UCITS ETF 2D EUR Hedged (dist) (LU1399300455) iShares $ Treasury Bond 1-3yr UCITS...
by oogZoo
Sat Sep 14, 2019 3:38 am
Forum: Non-US Investing
Topic: Belgian - US or EUR denominated bonds?
Replies: 12
Views: 713

Re: Belgian - US or EUR denominated bonds?

I have been wondering about the same question as well: Which type of bond ETF makes most sense for someone living in eurozone. I am in Europe in € country and the traditional/standard answer seems to be to get globally diversified bond ETF hedged to €. However I just recently came across the followi...
by oogZoo
Thu Sep 12, 2019 10:45 am
Forum: Non-US Investing
Topic: What do you think about SPDR MSCI World UCITS ETF?
Replies: 15
Views: 1470

Re: What do you think about SPDR MSCI World UCITS ETF?

Valuethinker wrote:
Thu Sep 12, 2019 5:40 am
On say 100k EUR, how much is 0.08% p.a? Compounded over how long - say 30 years?
About 2428 €.
by oogZoo
Thu Sep 12, 2019 10:40 am
Forum: Non-US Investing
Topic: What do you think about SPDR MSCI World UCITS ETF?
Replies: 15
Views: 1470

Re: What do you think about SPDR MSCI World UCITS ETF?

In Interactive Brokers I can see two options of buying this ETF. Its either London LSE in USD, or BVME (I think it's Italy) in EUR. If I am from Lithuania, is there any difference which one to buy? I would prefer LSE, since commissions are lower ( I use tiered option not fixed). If you want you cou...
by oogZoo
Wed Sep 11, 2019 4:58 pm
Forum: Non-US Investing
Topic: [wiki] navigation in non-us wiki
Replies: 3
Views: 296

Re: [wiki] navigation in non-us wiki

Just a thought: As a new board member from Europe this feels kind of backwards. Why not just label US specific stuff as US specific, EU specific as EU specific, and leave the generic stuff unlabeled? It feels strange if everything is by default US specific unless labeled as "non-US". Most of the stu...
by oogZoo
Mon Sep 02, 2019 12:15 pm
Forum: Non-US Investing
Topic: safety of brokers
Replies: 9
Views: 822

Re: safety of brokers

DeGiro has different account types. Custody, Standard, Active, Trader. The brokerage fees for Custody are significantly higher compared to the other account types, but this offers you protection from counterparty risk. It also disables DeGiro to lend your securities to third parties. The above is n...