Search found 39 matches

by oogZoo
Mon May 18, 2020 10:28 am
Forum: Non-US Investing
Topic: Vanguard ETF
Replies: 12
Views: 1746

Re: Vanguard ETF

Due to the PRIIPs (Packaged Retail Investment and Insurance-based Products Regulation) I am not able to buy VG ETF in my home country. In which country can I buy VG ETF? Vanguard has many UCITS ETF:s which are available to EU investors. See for example here: https://www.justetf.com/de-en/find-etf.h...
by oogZoo
Sun May 17, 2020 3:41 am
Forum: Non-US Investing
Topic: Vanguard ETF
Replies: 12
Views: 1746

Re: Vanguard ETF

Fay313 wrote:
Sat May 16, 2020 10:12 pm
Does anyone know where to buy Vanguard ETF as a European?
Through any broker that serves your country. (You would have to mention your country of residence to get suggestions on brokers.)
by oogZoo
Tue May 05, 2020 11:57 am
Forum: Non-US Investing
Topic: Do all-in-one funds exist outside the US?
Replies: 6
Views: 634

Re: Do all-in-one funds exist outside the US?

There are many such funds in Finland. Not as ETFs though. The costs of those funds tend to be significantly higher than using separate bond and equity funds.
by oogZoo
Mon Apr 27, 2020 12:03 pm
Forum: Non-US Investing
Topic: Best EU Broker for Buy and Hold strategy
Replies: 11
Views: 729

Re: Best EU Broker for Buy and Hold strategy

You did not tell what is important to you. The best choice for someone else might not be the best choice for you. Degiro is popular and decently priced for investors with small capital. I am happy with it. However it is not available for customers based in Romania. After you have moved to Austria yo...
by oogZoo
Mon Apr 27, 2020 11:52 am
Forum: Non-US Investing
Topic: Bid-Ask Spread data for IWDA, EIMI and VWRD ?
Replies: 19
Views: 802

Re: Bid-Ask Spread data for IWDA, EIMI and VWRD ?

You could use Xetra Liquidity Measure (XLM) statistics for this. Assuming Xetra is relevant to you. You did not mention which exchange you are interested about. Have a look here for explanation: https://www.xetra.com/xetra-en/trading/market-quality/xlm-xetra-liquidity-measure and https://www.xetra.c...
by oogZoo
Mon Apr 06, 2020 11:36 am
Forum: Non-US Investing
Topic: iShares IWDA + EMIM vs Vanguard VWCE ?
Replies: 4
Views: 758

Re: iShares IWDA + EMIM vs Vanguard VWCE ?

Thanks for answering. Yes I am not bother by the 0.02% price difference. I wonder more about the product itself. - Diversification - Replication method - 600 m fund size vs a 16.000m fund size - Vangard vs iShares - Returns - flexibility You can find these basic details in the fund fact sheets and/...
by oogZoo
Wed Apr 01, 2020 4:34 pm
Forum: Non-US Investing
Topic: Emergency Fund for non-US investors
Replies: 7
Views: 620

Re: Emergency Fund for non-US investors

I keep: 2-3 months worth of EUR in a normal bank account in my own country (no interest) 2-3 months worth of EUR in a savings account in a bank of a neighbouring country (1% interest) 2-3 months worth of mostly EUR and some USD notes in an envelope at home (helps in case there is some kind of crisis...
by oogZoo
Tue Mar 10, 2020 2:01 pm
Forum: Non-US Investing
Topic: Accumulating ETFs on DeGiro
Replies: 2
Views: 555

Re: Accumulating ETFs on DeGiro

There are really many accumulating ETFs available on Degiro. Degiro platform is pretty useless for searching. Their listed fund names are a mess. I suggest you look at the following resources instead and use Degiro for just order execution when you have found what you want (search with ISIN code): h...
by oogZoo
Tue Mar 10, 2020 12:06 pm
Forum: Non-US Investing
Topic: In the future will Bitcoin end up replacing Gold?
Replies: 64
Views: 2477

Re: In the future will Bitcoin end up replacing Gold?

The Bitcoin network does not have enough capacity to handle transactions if it starts to become popular. This is due to constraints built in to the protocol which people running the nodes (miners) are unwilling to change. The result is that when the number of transactions increase, the costs skyrock...
by oogZoo
Tue Jan 28, 2020 12:18 pm
Forum: Non-US Investing
Topic: [Non-US] What makes iShares so popular? How much does that matter?
Replies: 31
Views: 4585

Re: What makes iShares so popular? How much does that matter?

We do know what MSCI charges on average: MSCI Inc. charged on average 3.05 basis points of clients’ ETFs assets in the third quarter, meaning a $10 billion fund tracking an MSCI Index would on average pay $3.05 million in licensing fees. https://www.bloomberg.com/news/articles/2017-12-07/fund-fee-w...
by oogZoo
Wed Jan 15, 2020 12:45 pm
Forum: Non-US Investing
Topic: New listed ETF [SWRD - SPDR MSCI World UCITS]
Replies: 44
Views: 7182

Re: New listed ETF [SWRD - SPDR MSCI World UCITS]

Looking at the portfolio according to Mornignstar US, the funds has about 8-9% cash. Not saying that is a deal breaker, but it is different than VWRD, SWDA, and the index This does not seem to be right. Morningstar often has incorrect information. You should always double check any numbers you get ...
by oogZoo
Fri Nov 15, 2019 6:43 pm
Forum: Non-US Investing
Topic: Receiving an International Bank Wire Transfer Questions
Replies: 30
Views: 2227

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: 30
Views: 2227

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: 30
Views: 2227

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: 23
Views: 1610

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: 30
Views: 2227

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: 1109

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: 1220

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: 2006

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: 478

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: 586

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: 443

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: 1262

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: 1273

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: 1273

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: 4218

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: 4350

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: 4694

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: 27
Views: 2444

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: 877

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: 49
Views: 7355

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: 1571

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: 817

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: 1949

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: 817

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: 1859

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: 1859

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: 374

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: 993

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...