Search found 19 matches

by rerombo
Thu Oct 22, 2020 8:56 am
Forum: Non-US Investing
Topic: Emergency Fund - Advice
Replies: 2
Views: 251

Emergency Fund - Advice

Hi everybody, My wife and I have a joint account, we manage our finances together and we plan to start investing soon. We rent in Belgium, have stable (though non permanent) employment in the public sector and are covered by unemployment schemes, which would take about two months from request to kic...
by rerombo
Thu Oct 08, 2020 2:16 am
Forum: Personal Investments
Topic: When to start investing
Replies: 13
Views: 980

When to start investing

Hi everyone! I have a lump sum that I want to start investing in two different portfolios, I have studied different assets allocations and basically it's 75% global stocks for one portfolio, and 50% global stocks for the other. My time horizon is long for the stock heavy one (30+ years) and medium/l...
by rerombo
Thu Oct 01, 2020 7:36 am
Forum: Non-US Investing
Topic: EU Investor - Gold ETC
Replies: 7
Views: 894

Re: EU Investor - Gold ETC

so you'd just go for the cheapest? It makes no difference that one is exchangeable for gold coins and the other not?
by rerombo
Thu Oct 01, 2020 7:24 am
Forum: Personal Investments
Topic: Gold ETFs
Replies: 5
Views: 573

Re: Gold ETFs

And is there a difference between and ETF with gold held in the UK and gold held in Switzerland?
by rerombo
Tue Sep 29, 2020 11:11 am
Forum: Personal Investments
Topic: Gold ETFs
Replies: 5
Views: 573

Re: Gold ETFs

Thank you!
by rerombo
Tue Sep 29, 2020 9:58 am
Forum: Personal Investments
Topic: Gold ETFs
Replies: 5
Views: 573

Gold ETFs

Hello everyone, I'm a EU investor but I cannot get an answer to my question in the Non-US section. So I'd like to request temporary "asylum" :D and I apologize for posting here. I have to choose between two gold ETF, both are backed by physical gold. 1) DE000A1DCTL3 - it is backed by gold in a Swiss...
by rerombo
Mon Sep 28, 2020 7:19 am
Forum: Non-US Investing
Topic: EU Investor - Gold ETC
Replies: 7
Views: 894

Re: EU Investor - Gold ETC

Thank you for the tip! And once I have found what the tax treatment is, does it matter if it’s exchangeable for real gold?

I mean, is in some way better or it’s just better to go for the cheapest etf?
by rerombo
Sun Sep 27, 2020 10:51 am
Forum: Non-US Investing
Topic: EU Investor - Gold ETC
Replies: 7
Views: 894

EU Investor - Gold ETC

Hello! I decided to invest 25% of my portfolio in gold and I am looking for a suitable gold ETC. I have identified DE000A0LP781 - Gold Bullion Securities - TER 0,40% DE000A1DCTL3 - Swiss Physical Gold - TER 0,15% Both are Wisdom tree products. The first one has higher TER, but can be exchanged for g...
by rerombo
Sun Sep 27, 2020 10:28 am
Forum: Non-US Investing
Topic: EU ST Bonds vs US ST Treasuries hedged to EUR
Replies: 10
Views: 1294

Re: EU ST Bonds vs US ST Treasuries hedged to EUR

Many thanks for all your answers!
by rerombo
Wed Sep 23, 2020 8:30 am
Forum: Non-US Investing
Topic: EU ST Bonds vs US ST Treasuries hedged to EUR
Replies: 10
Views: 1294

Re: EU ST Bonds vs US ST Treasuries hedged to EUR

You might want to add some more information like.... Does ST mean short-term? Where do you live? Or where do you plan to live/retire in the future? Somewhere in the EU? What is the rest of your portfolio like? You're absolutely right. So, I'm 30, I plan to live and retire in Europe (Belgium) and my...
by rerombo
Wed Sep 23, 2020 5:27 am
Forum: Non-US Investing
Topic: EU ST Bonds vs US ST Treasuries hedged to EUR
Replies: 10
Views: 1294

EU ST Bonds vs US ST Treasuries hedged to EUR

Hi!
I've decided to allocate a small portion of my portfolio to short-term governments bonds via an ETF.

Now I'm wondering, do you think it is better to have EU Gov. Bonds or US Treasuries hedged to EUR?

Thanks for your answers
by rerombo
Tue Sep 22, 2020 2:29 pm
Forum: Personal Investments
Topic: Seeking Advice - Modified GB Portfolio
Replies: 5
Views: 484

Re: Seeking Advice - Modified GB Portfolio

Historically it has returned 6.8% annually with very low volatility (data since 1978), but I’m not sure if those returns can be repeated
by rerombo
Tue Sep 22, 2020 5:16 am
Forum: Personal Investments
Topic: Seeking Advice - Modified GB Portfolio
Replies: 5
Views: 484

Seeking Advice - Modified GB Portfolio

Hello! I am 31, quite new to investing, and I am seeking advice on a portfolio I've created, based on the Golden Butterfly. My new allocation would be 25% Total Stock Market 25% Small cap value 15% Long Term Treasuries 10% Short Term Treasuries 25% Gold What do you think about it? I've backtested it...
by rerombo
Mon Sep 21, 2020 9:24 am
Forum: Non-US Investing
Topic: Tax-efficient golden butterfly
Replies: 2
Views: 812

Re: Tax-efficient golden butterfly

You're right, and I've tried thousands of combinations in backtesting, but I wonder if there's something I am missing
by rerombo
Sun Sep 20, 2020 4:24 pm
Forum: Non-US Investing
Topic: Tax-efficient golden butterfly
Replies: 2
Views: 812

Tax-efficient golden butterfly

Hi everyone. I wanted to implementing the golden Butterfly portfolio, which allocates like this 20% all stocks 20% small cap value 20% gold 20% short term bonds 20% long term bonds Unfortunately, investing in bond ETF in tax-inefficient here in Belgium, so I’m reformulating the portfolio like this 2...
by rerombo
Thu Sep 17, 2020 10:43 am
Forum: Personal Investments
Topic: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio
Replies: 7
Views: 712

Re: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio

Thanks a lot for sharing this, I'm very new to investing and convexity is a very interesting topic I didn't know about.
But isn't it more of a reason to generally hold bonds in one's portfolio, than a reason to choose LTT and STT over ITT?
I apologize if it is dumb question.
by rerombo
Thu Sep 17, 2020 7:49 am
Forum: Personal Investments
Topic: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio
Replies: 7
Views: 712

Re: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio

Thanks for your answers. I see how it applies to the permanent portfolio, so I’ll stick with LTT and cash.

Do you think this is true also for the golden butterfly?
by rerombo
Wed Sep 16, 2020 3:27 pm
Forum: Personal Investments
Topic: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio
Replies: 7
Views: 712

Re: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio

You’re right. For the golden butterfly I am thinking of replacing LT and ST with IT and for the PP I would replace LT and cash with IT.
by rerombo
Wed Sep 16, 2020 3:56 am
Forum: Personal Investments
Topic: Intermediate Treasuries in Golden Butterfly and Permanent Portfolio
Replies: 7
Views: 712

Intermediate Treasuries in Golden Butterfly and Permanent Portfolio

Hello everybody, I'm interested in implementing the Golden butterfly portfolio for my own savings and the Permanent portfolio for my wife's. For simplicity and to reduce brokerage fees I am looking into whether I could replace the short-term treasuries and long-term treasuries with intermediate (7-1...