Search found 9 matches

by longjohn
Tue Sep 15, 2020 3:22 am
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 4255

Re: How will you describe your investing journey so far?

Overall my investing journey has been great! But I do have a couple of pointers that would have made it even better: 1) Diversification is important, but when you are starting out, don't worry too much about it. I focused way too much on this, meaning that my positions in stock-picking where very sm...
by longjohn
Tue Apr 07, 2020 5:30 am
Forum: Non-US Investing
Topic: Guidance on how Funds Pay Out?
Replies: 4
Views: 292

Re: Guidance on how Funds Pay Out?

Do some funds pay out via an accumulation of annual dividends? - yes as mentioned above this would be distributing funds, they payout the dividends as they receive them, typically each quarter. The distributed dividend will be taxed upon payout, meaning that you will pay the tax rate in the country ...
by longjohn
Wed Apr 01, 2020 5:09 am
Forum: Non-US Investing
Topic: [Switzerland] Any Low Cost Index Funds in Europe/Switzerland??
Replies: 5
Views: 529

Re: [Switzerland] Any Low Cost Index Funds in Europe/Switzerland??

Vanguard FTSE All-World UCITS or Vanguard FTSE Developed World (90%) + Vanguard FTSE Emerging Markets UCITS (10%) for world indices. But other than these, Vanguard has plenty of UCITS index funds with low cost 0.22% and down, their Vanguard S&P 500 is as low as 0.07%, and I expect that on the long t...
by longjohn
Wed Apr 01, 2020 1:55 am
Forum: Non-US Investing
Topic: Emergency Fund for non-US investors
Replies: 7
Views: 646

Re: Emergency Fund for non-US investors

Not too big of an emergency fund as there is great support in my country during sickness, unemployment etc., I do keep about 3-6 months depending on the situation. These is combined together with my spouse, we have it on a separate bank account with 0.35% interest rate. I believe that many welfare n...
by longjohn
Thu Mar 26, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64842

Re: So bottom is probably behind us....right?

https://www.worldometers.info/coronavirus/

For anyone who wants to follow the numbers as they get updated, the number of days for each new 100.000 people being confirmed sick is decreasing at a crazy pace.
by longjohn
Fri Mar 20, 2020 8:13 am
Forum: Non-US Investing
Topic: [Germany] Newbie trying to use the market dip to start investing
Replies: 13
Views: 1154

Re: [Germany] Newbie trying to use the market dip to start investing

If you want to save a bit on the ongoing charges, you can take Vanguard FTSE Developed World (0.12%) accompanied by Vanguard FTSE Emerging Markets (0.22%) with 10-15% in Emerging Markets at most depending on your stand on EM. Personally, I bought into Vanguard FTSE All-world but realised recently th...
by longjohn
Tue Mar 17, 2020 6:54 am
Forum: Personal Investments
Topic: Should asset allocation depend on size of portfolio?
Replies: 20
Views: 1113

Re: Should asset allocation depend on size of portfolio?

Honestly, I think the AA should also depend on the portfolio as the size of it will influence your risk tolerance, i.e. the short answer is always based on risk tolerance and time-in-market. However, I think there is a difference between growing wealth and preserving wealth, e.g. young investor just...
by longjohn
Sun Mar 15, 2020 8:11 am
Forum: Non-US Investing
Topic: All-world all-cap index ETF traded in Euros?
Replies: 20
Views: 1029

Re: All-world all-cap index ETF traded in Euros?

... An approximation with a decent TER 0.153% could be roughly: 80% Vanguard FTSE Developed World UCITS ETF, TER 0.12% 10% Vanguard FTSE Emerging Markets UCITS ETF, TER 0.22% 10% iShares MSCI World Small Cap UCITS ETF, TER 0.35% (The Vanguard FTSE Global Small Cap Index Fund Investor is cheaper but...
by longjohn
Thu Mar 12, 2020 7:16 am
Forum: Personal Investments
Topic: I'm Young. How Can I Best Take Advantage??
Replies: 6
Views: 464

Re: I'm Young. How Can I Best Take Advantage??

I agree with all of the above, but secure your job, maybe find some side jobs and put some money aside for emergency. THEN buy buy buy, personally I am also young and just started pension contribution (lucky timing). I bought in VWCE (Vanguard FTSE All-world UCITS acc) as I am EU based. My plan is t...