Search found 31 matches

by WienerG
Tue Sep 01, 2020 10:35 am
Forum: Non-US Investing
Topic: Migrating & broker account
Replies: 4
Views: 358

Re: Migrating & broker account

Maybe. Looks like you will become domiciled in Australia and subject or the local legislation. It might be easier with a local broker to comply with all the rules. I agree... It probably makes sense to transfer the assets which are portable to a local broker & freeze the ones that aren't. As I said...
by WienerG
Mon Aug 31, 2020 9:31 am
Forum: Non-US Investing
Topic: Migrating & broker account
Replies: 4
Views: 358

Re: Migrating & broker account

Hi all, I am planning on moving from The Netherlands to Australia. How does it work with my bank and broker accounts? Can I simply keep DeGiro and my bank accounts here or do they have to be cancelled and transferred to banks and brokers in Australia? And if so, which brokers and banks in Australia...
by WienerG
Mon Aug 24, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 155
Views: 16286

Re: Market will be at all time high by year-end

I have a prediction that the market will be at an all time high by 12/31/2020. This thread will be revisited on that date to show the genius that I am. Of course you resurrected this post solely based on US markets. A cursory glance at your portfolio, as proudly displayed in your footer, suggests t...
by WienerG
Sun Aug 23, 2020 11:58 am
Forum: Non-US Investing
Topic: MSCI World vs MSCI ACWI
Replies: 13
Views: 1021

Re: MSCI World vs MSCI ACWI

Hi everyone. I'm new to index investing, and I'm glad I stumbled upon bogleheads. As a non-US investor, I am currently at a dilemma as to which index fund to invest in, MSCI World or MSCI ACWI. The chart below, taken from MSCI, shows the performance of MSCI ACWI vs World vs EM for the past 15 years...
by WienerG
Thu Jul 30, 2020 8:42 am
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

Flatex just informed me that the vanguard FTSE all world accumulating ETF (VWCE) is not a recognized meldefond in Austria (contrary to the statement on the ÖKB (Profitweb) website. This means that I have to file details manually with the BMF! Anyone had this happen to them? I would not have used fl...
by WienerG
Mon Jul 27, 2020 8:50 am
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

Flatex just informed me that the vanguard FTSE all world accumulating ETF (VWCE) is not a recognized meldefond in Austria (contrary to the statement on the ÖKB (Profitweb) website. This means that I have to file details manually with the BMF! Anyone had this happen to them? I would not have used fla...
by WienerG
Sun Jul 26, 2020 2:44 pm
Forum: Non-US Investing
Topic: [Wiki] - Non-US investing now displayed on the wiki home page
Replies: 2
Views: 572

Re: [Wiki] - Non-US investing now displayed on the wiki home page

The new wiki page Bogleheads® investment philosophy for non-US investors has been added to the wiki home page "For non-US investors" section. * See: Bogleheads® wiki * Discussed in: Draft wiki page: Bogleheads investment philosophy for non-US investors Thanks for this @LadyGeek and also your volunt...
by WienerG
Mon Jul 06, 2020 3:57 pm
Forum: Non-US Investing
Topic: How would you invest in my situation? [Brazil]
Replies: 38
Views: 1769

Re: Should a Non investor goes all in on VT?

It would help to know where you are & what your situation is.

WienerG
by WienerG
Tue Jun 30, 2020 12:50 am
Forum: Non-US Investing
Topic: [Germany] First time investor_Seeking advice_Beginner
Replies: 8
Views: 662

Re: [Germany] First time investor_Seeking advice_Beginner

Please familiarise yourself with taxation in Germany. Assuming you can invest from Germany, you can use flatex (I'm in Austria and use them). Flatex give you access to the big european exchanges. You can purchase Vanguard & Ishare UCIT ETF's (check out www.justetf.com for a full list or ask in the f...
by WienerG
Thu Jun 11, 2020 7:48 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21541

Re: Market makes no sense

[/quote] I didn't get back in when the market was at it's lows because I was buying a house and my job was in jeopardy. It was too much risk for my appetite. Then of course after that was done all I did was chase the market to the top only to watch my gains evaporate this week. [/quote] That is exac...
by WienerG
Sat Jun 06, 2020 3:42 am
Forum: Personal Investments
Topic: Started investing with lump sum at ATH / windfall coming in 2 weeks, lump sum again?
Replies: 32
Views: 2356

Re: Started investing with lump sum at ATH / windfall coming in 2 weeks, lump sum again?

OP. The nature of the stock market is that it rises over time, so you will often be investing at or near a market high. Invest what funds you have available when you have them and switch off. You cant change the markets. They will go up and down, however, as long as you dont sell, you have *not* mad...
by WienerG
Sun May 24, 2020 2:31 am
Forum: Non-US Investing
Topic: Should I remortgage?
Replies: 2
Views: 511

Re: Should I remortgage?

Hi all, I'm looking for some advise as my mortgage deal is ending in the next few months. To give you some background, I'm a UK/US citizen living in the UK. I bought a flat in 2016 in London and don't own any assets in the US (have only lived there approx one year in my life). I'm thinking about re...
by WienerG
Sat May 23, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39321

Re: The axe falls and I am prepared. What's next?

Klangfool,

What is stopping you hanging up your boots & calling it a day?

You have great numbers, you have health cover & you are clearly adept at budgeting. I would heed DW's advice & enjoy the time.

Thanks for your insightful posts... Really appreciate them.

WienerG
by WienerG
Sun May 17, 2020 2:23 am
Forum: Non-US Investing
Topic: The Mighty USD
Replies: 58
Views: 4568

Re: The Mighty USD

KlangFool wrote: Fri May 15, 2020 4:45 pm OP,

I am buying Gold and Silver.

KlangFool
Hi Klangfool... Just out of interest. What % of your portfolio is in Gold & Silver & what are you planning for it to be.

Thx.
Wienerg
by WienerG
Thu May 14, 2020 12:40 am
Forum: Non-US Investing
Topic: Avoid Saxo Inactivity Fee
Replies: 5
Views: 577

Re: Avoid Saxo Inactivity Fee

Why have a back-up broker? All large brokers are fully resilient. I would close the depot & merge it with your main broker. But if you feel there is a risk, then you'll need to maintain minimum activity to avoid any inactivity fees.
by WienerG
Sun Apr 05, 2020 10:17 am
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

we're not in a hurry to buy ASAP.

You said it! Stay the course !!
by WienerG
Sat Apr 04, 2020 1:44 am
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

ellaellela wrote: Sat Apr 04, 2020 1:35 am Then I have to be patient.

Are the buy orders executed within some reasonable time?
Sure... This is rapid.
by WienerG
Sat Apr 04, 2020 1:44 am
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

ellaellela wrote: Sat Apr 04, 2020 1:35 am Then I have to be patient.

Are the buy orders executed within some reasonable time?
Sure... This is rapid.
by WienerG
Sat Apr 04, 2020 1:43 am
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

The way I understand it, the "capital gain" taxed at 60% mentioned in the case of accumulating funds, it the new value you gain from your new shares, which is the value of the reinvested dividend. It would not make sense to tax every time the fund decides to rebalance the portofolio. So, unless you...
by WienerG
Sat Apr 04, 2020 1:42 am
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

The way I understand it, the "capital gain" taxed at 60% mentioned in the case of accumulating funds, it the new value you gain from your new shares, which is the value of the reinvested dividend. It would not make sense to tax every time the fund decides to rebalance the portofolio. So, unless you...
by WienerG
Sat Apr 04, 2020 1:41 am
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

The way I understand it, the "capital gain" taxed at 60% mentioned in the case of accumulating funds, it the new value you gain from your new shares, which is the value of the reinvested dividend. It would not make sense to tax every time the fund decides to rebalance the portofolio. So, unless you...
by WienerG
Fri Apr 03, 2020 4:33 pm
Forum: Non-US Investing
Topic: [AT/Austria] clarification on ETF taxes
Replies: 56
Views: 3827

Re: [AT/Austria] clarification on ETF taxes

[*] The 60% tax on Accumulating ETFs does NOT apply to dividends , it only applies to internal gains (made by the fund selling shares internally) [*] Dividends paid by Accumulating ETFs are taxed 100% (at the 27.5% KEst) like normal [*] The dividends tax is paid shortly after the distribution, for b...
by WienerG
Fri Apr 03, 2020 4:22 pm
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

[quote=bitmouse post_id=5152242 time=1585768012 How long did it take to receive account details by post from the moment of the identification? I did a postident on Monday and I do understand that they will send all the account details by physical post separately for safety. It took a couple of week...
by WienerG
Wed Apr 01, 2020 11:35 pm
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

@WienerG: Thank you for the link. A lot of relevant information on one place! May I ask if you have experience with "ETF savings plan" at flatex? Are all the fees stated on their websites or there are some hidden ones to be aware of? With a small number of ETFs and buying once every three months, I...
by WienerG
Wed Apr 01, 2020 10:23 am
Forum: Non-US Investing
Topic: [Austria] seeking advice on how to start investing
Replies: 17
Views: 907

Re: [Austria] seeking advice on how to start investing

Welcome to the forum. I am also Austria based. You may want to check out this article which covers purchase of Vanguard EFTs in Austria on the Xetra Dax. It's in German but is a good overview. It is worth having a broker with an Austrian presence - I use Flatex.at https://www.stichlberger.com/invest...
by WienerG
Sun Mar 08, 2020 1:43 am
Forum: Personal Finance (Not Investing)
Topic: [Locum tenens or permanent position - Cardiology]
Replies: 9
Views: 1623

Re: DECISION, PLEASE HELP ME!!!

It seems to me that you are essentially asking us to tell you whether a recession will hit or not. No one has a crystal ball, however IMHO the effects of the Corona Virus on the economy are likely to be felt for at least 18 months. The Bull run was very long & a correction of some sort is due. So ta...
by WienerG
Tue Feb 25, 2020 3:27 pm
Forum: Non-US Investing
Topic: Irish- domiciled on LSE still recommended after Brexit?
Replies: 7
Views: 645

Re: Irish- domiciled on LSE still recommended after Brexit?

You should be OK during the transition period (i.e. until 31.12.20) as nothing changes. After that there should be a new trade deal & it will depend on the contents.
by WienerG
Mon Feb 10, 2020 3:31 pm
Forum: Non-US Investing
Topic: Asset allocation advice for early retirement?
Replies: 16
Views: 1489

Re: Asset allocation advice for early retirement?

xxd091. Thanks for your input. This is indeed food for thought. Much appreciated.
by WienerG
Sat Feb 08, 2020 3:58 am
Forum: Non-US Investing
Topic: I am an Albanian living in Austria, what are my [investing] options?
Replies: 4
Views: 561

Re: I am an Albanian living in Austria, what are my [investing] options?

You do have access to US index funds & their Euro denominated UCITS ETFs.
This article details some options, brokers & FMA recognised funds. It is in German.

https://www.stichlberger.com/investiere ... ch-kaufen/
by WienerG
Fri Feb 07, 2020 2:08 pm
Forum: Non-US Investing
Topic: Asset allocation advice for early retirement?
Replies: 16
Views: 1489

Re: Asset allocation advice for early retirement?

Thanks to all for taking time to comment and also refer me to links. This is much appreciated. If I broke etiquette or omitted detail, I apologise - it was my first post & this is my first forey into indexed funds. The 50K number is more than I will need. I therefore assume that 3% will be more than...
by WienerG
Thu Feb 06, 2020 6:35 pm
Forum: Non-US Investing
Topic: Asset allocation advice for early retirement?
Replies: 16
Views: 1489

Asset allocation advice for early retirement?

Hi to all. I am new to this forum, however have recently read the Bogleheads guide to investing and it was an eye opener. I am considering taking early retirement at the end of this year. I will be 50 in Dec. I have 1.6M USD to invest (after downsizing), with a draw down rate of USD50K pa. According...