Search found 5 matches

by buf
Fri Oct 11, 2019 1:25 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 9
Views: 848

Re: Beginner investor from Lithuania seeking advice

Congratulations on the simple plan, it sounds good. One minor thing is that you might consider paying off your mortgage at an accelerated rate (if that is possible) instead of putting money into bonds - 1.6% is likely above what you can expect from EUR-hedged bonds. Thanks! Excellent advice, will d...
by buf
Thu Oct 10, 2019 7:18 am
Forum: Non-US Investing
Topic: Comparing VWRA with IWDA+EMIM combination
Replies: 20
Views: 2469

Re: Comparing VWRA with IWDA+EMIM combination

Now that the dust has settled a bit, what were your final decisions regarding above two choices and what was the reasoning that finally persuaded you to choose one over the other? For those who are only starting to build up a portfolio, which option did you chose? For those who already had considera...
by buf
Wed Oct 09, 2019 6:30 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 9
Views: 848

Re: Beginner investor from Lithuania seeking advice

I would keep everything very simple including the % allocations to the nearest 10. Makes sense, will do just that. I assume that your tax position is understood vis a vis accumulating. Yes, reinvested dividends are not taxed. Can you contribute to a pension with commensurate employer contributions?...
by buf
Tue Oct 08, 2019 8:06 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 9
Views: 848

Re: Beginner investor from Lithuania seeking advice

Hi, 1. I would suggest that your allocation should be as near as achievable to global diversification in stocks and choose a world stock ETF. 2. For stock split see 1. above. For bonds portion why not just use one of the well known global bond ETFs. AGGH, EUNA or equivalent. 3. Why not go for two E...
by buf
Tue Oct 08, 2019 2:13 am
Forum: Non-US Investing
Topic: Beginner investor from Lithuania seeking advice
Replies: 9
Views: 848

Beginner investor from Lithuania seeking advice

Country of Residence: Lithuania International Lifestyle: Not planning to move anywhere else. Currency: EUR Emergency funds: Three to six months of expenses, but it is generally not part of my asset allocation. Debt: Only mortgage of 18000 EUR with 1.6% interest rate. Age: Almost 30 Desired Asset al...