Search found 158 matches

by xxd091
Tue May 26, 2020 8:17 am
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 31
Views: 1114

Re: 20-year-old, Investment advice [UK]

Hedging is usually done with Bonds-they are the portfolio,s anchor to windward-ie your safe money-portfolio,s ballast You don’t want currency fluctuations problems here-safety paramount Equities are not usually hedged as in this part of your portfolio you are going all out for growth and this the ri...
by xxd091
Tue May 26, 2020 7:31 am
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 31
Views: 1114

Re: 20-year-old, Investment advice [UK]

Never a good time to invest but the sooner you get started the better-that’s the way compounding works-you’ve got 40 years of investment ahead of you before you retire Re downturns-get used to them -they occur regularly-every few years Have an Investment Plan-write it down Set your Asset Allocation ...
by xxd091
Tue May 26, 2020 4:41 am
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 31
Views: 1114

Re: 20-year-old, Investment advice [UK]

If this is money for investing and not required even in an emergency then the sooner you get all of it invested the better In a tax wrapper-ISA-no tax calculations to bother with Age in bonds is good for your asset allocation -takes needless volatility out of the portfolio Personally if I was your a...
by xxd091
Tue May 12, 2020 5:17 am
Forum: Non-US Investing
Topic: Bond fund for UK resident
Replies: 6
Views: 440

Re: Bond fund for UK resident

Aged 73-retd 17 years Did Gilt bond ladders etc etc but wanted US exposure and simplicity Been using only Vanguard Global Bond Index Fund hedged to the Pound acc for many years In fact is 65% of portfolio Seems to do the business Simple. Cheap and easy understand Returned approx 4% pa over the last ...
by xxd091
Fri May 08, 2020 5:47 am
Forum: Non-US Investing
Topic: Vanguard three fund strategy advice for UK residence
Replies: 9
Views: 712

Re: Vanguard three fund strategy advice for UK residence

You might be interested in a practical example I am 73-17 years retired My portfolio is 30/65/5 -equities,bonds and cash -made my pile -don’t need to take risks I use 3 funds only and have done so for many years Equities are split 4% Vanguard FTSE AllShare acc (VVFUSI) 26% Vanguard Dev World ex UK (...
by xxd091
Wed May 06, 2020 5:15 am
Forum: Non-US Investing
Topic: Vanguard FTSE All-World UCITS ETF USD Accumulation (EUR) (VWCE)
Replies: 2
Views: 305

Re: Vanguard FTSE All-World UCITS ETF USD Accumulation (EUR) (VWCE)

Looks good-great way to start however you need a Plan
Write it down
Set your Asset Allocation
Keep reading
xxd091
by xxd091
Tue May 05, 2020 5:14 am
Forum: Non-US Investing
Topic: Cash or bonds? ...until the stock market settles down
Replies: 23
Views: 2097

Re: Cash or bonds? ...until the stock market settles down

You have to start somewhere in investing -with a 30 years working life and probably 30 years retired-time is on your side-get on with it Drip feeding in investing cash is OK-just don’t take too long about it Perhaps a good start would be a World Equities Index Tracker Fund and a World Bond Index Tra...
by xxd091
Mon May 04, 2020 4:30 am
Forum: Investing - Theory, News & General
Topic: Do Paradigm Changes Call for Change In Strategies?
Replies: 24
Views: 1512

Re: Do Paradigm Changes Call for Change In Strategies?

Sounds as some have said-your Asset Allocation is to risky for your stomach Remember John Bogles rule-your age in Bonds As guidance it’s a good rule and maybe would let you sleep through the night You will have a few more downturns like this to manage before your are done Take a lesson from this one...
by xxd091
Sat May 02, 2020 5:21 am
Forum: Non-US Investing
Topic: [Non-US] Would adding US treasuries give a diversification benefit?
Replies: 14
Views: 1285

Re: [Non-US] Would adding US treasuries give a diversification benefit?

Yes -had known that fact re hedged bonds and non hedged equities
My only other 2 funds are a FTSE All share Index Tracker(4%) and a World Equities Index Tracker ex UK -unhedged (26%)
5% Cash(2 years living expenses) and that’s it
Seems to work
xxd091
by xxd091
Mon Apr 27, 2020 6:03 pm
Forum: Non-US Investing
Topic: UK Pension Vs ISA
Replies: 18
Views: 593

Re: UK Pension Vs ISA

Hopefully you work for a good company that will still be about when your Pension comes due
Another reason to diversify into an ISA in case of cases
xxd091
by xxd091
Mon Apr 27, 2020 3:31 am
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2777

Re: How Boglehead philosophy guides home bias equities for US vs non-US

Ted -what’s the situation with Vanguard Funds for a non US(UK) investor-are they in the same position as ETFs?
xxd091
by xxd091
Tue Apr 21, 2020 4:35 am
Forum: Non-US Investing
Topic: Free Portfolio Trackers?
Replies: 5
Views: 562

Re: Free Portfolio Trackers?

I use Trustnet
xxd091
by xxd091
Sat Apr 11, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 3929

Re: Am I being dumb ["standing and doing nothing"]?

I passed the 2008 downturn in the Arabian desert with no communications available It was all over when I returned to base-certainly too late to do anything -so sat it out as we have been told to do and all came OK This time I am at home-older wiser and looking everyday at the ups and downs of my Por...
by xxd091
Fri Apr 10, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing for retirees: one direction, both or none?
Replies: 12
Views: 1007

Re: Rebalancing for retirees: one direction, both or none?

UK Boglehead aged 73- retd 17 years with a 30/65/5 portfolio- Equities/Bonds/Cash Know about the 5% rule re rebalancing Never rebalanced yet In Accumulation phase - rebalancing occurred “naturally “ with regular investing same thing happened in retirement-regular withdrawals rebalanced the Portfolio...
by xxd091
Fri Apr 10, 2020 5:05 am
Forum: Non-US Investing
Topic: Simple question - my one ETF portfolio - do I need to change it? [Ireland]
Replies: 13
Views: 966

Re: Simple question - my one ETF portfolio - do I need to change it? [Ireland]

Generally agree with posters here My rules were as a UK investor in equities -now aged 73-17 years retd A) A Global Equities Index Tracker Fund -ETF or Mutual Fund-allows access to US market-one fund only B) Lowest cost possible -very important over long periods of time Done the business for me- per...
by xxd091
Fri Apr 10, 2020 4:47 am
Forum: Non-US Investing
Topic: Sold mutual funds, how/when to enter into all-world ETF in this high volatility? [Slovenia]
Replies: 8
Views: 478

Re: Sold mutual funds, how/when to enter into all-world ETF in this high volatility? [Slovenia]

Investing is a learning curve-we have all made your mistakes-however you are young and time is on your side Lesson-major dealing/investing during times of high volatility is dangerous as you have found out Set up your Investment Plan and write it down Set your Asset Allocation You then can approach ...
by xxd091
Fri Apr 03, 2020 5:02 am
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 75
Views: 10528

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

Really good stuff
Calm reassuring advice and comments from an experienced financier which are a real requirement/ help for amateur investors at this turbulent time
xxd091
by xxd091
Sun Mar 29, 2020 6:09 am
Forum: Investing - Theory, News & General
Topic: For a 20-year time horizon do bonds make sense any more?
Replies: 98
Views: 5971

Re: For a 20-year time horizon do bonds make sense any more?

John Bogle wrote somewhere in one his books in relation to his rule of “Your age in Bonds” as a guide to the % of Bonds in an Asset Allocation “All portfolios should have some bonds ie all equity or all bond portfolios do not do as well in the long run as a mixed portfolio 30% was the lowest amount ...
by xxd091
Fri Mar 27, 2020 4:46 am
Forum: Investing - Theory, News & General
Topic: Why don't investors like "boring"?
Replies: 29
Views: 1809

Re: Why don't investors like "boring"?

We are programmed as “animals” not stand still, be alert and keep moving It is hard wired into our genes An animal (ape-our ancestors) that stands still for a long period of time on the savannah gets eaten by a predator! Investing mantras that advocate “stay the course” etc are therefore counterintu...
by xxd091
Wed Mar 25, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: "The market portfolio is the most sensible decision"
Replies: 26
Views: 3169

Re: "The market portfolio is the most sensible decision"

Just a small point Taylor
For non US Bogleheads an International Portfolio is required
This is one way we can easily and cheaply access US stocks ie my international portfolio is over 50% US equities and over 50% US bonds
This has proved a great success
xxd091
by xxd091
Wed Mar 25, 2020 4:08 am
Forum: Investing - Theory, News & General
Topic: Market Timing Covid-19 (A Cautionary Tale)
Replies: 22
Views: 2124

Re: Market Timing Covid-19 (A Cautionary Tale)

Staying the course is easily said but very difficult to do!
Human (animal)nature is programmed for constant change from our ancestral genes
Those who stood still got eaten!
Investing is counterintuitive
I too sat out 2001 and 2008 and will do the same for this one-seems to work
xxd091
by xxd091
Sun Mar 22, 2020 7:04 am
Forum: Investing - Theory, News & General
Topic: Thinking about moving Investments to Cash, Need Help
Replies: 25
Views: 1925

Re: Thinking about moving Investments to Cash, Need Help

Is your work position stable as mentioned -if it is.... Then at 40 this a good time for you as your regular contributions buy more units The market will come back or we are all stuffed You can see how nearer retirement you should be more in bonds or you will be in serious trouble Age in bonds is a J...
by xxd091
Fri Mar 20, 2020 6:04 am
Forum: Non-US Investing
Topic: Over rebalancing
Replies: 25
Views: 1889

Re: Over rebalancing

The great a John Bogle was very equivocal on rebalancing Thought it did not make much difference in the long term If one could successfully time the market this would not be true but who can? His statement has been a great comfort to me as I sat out 2000 and 2008 I will sit this one out too Rebalanc...
by xxd091
Wed Mar 18, 2020 2:08 pm
Forum: Non-US Investing
Topic: Should I rebalance
Replies: 13
Views: 1070

Re: Should I rebalance

The great John Bogle had a very equivocal attitude to rebalancing He famously said that it really made very little difference in the long term My experience-Aged73 -retd 17 years and have never rebalanced Sat out 2001 and 2008 In my accumulation phase I rebalanced as I added money In my deaccumulati...
by xxd091
Wed Mar 18, 2020 5:07 am
Forum: Investing - Theory, News & General
Topic: Rebalancing -- IPS Clarification Needed
Replies: 33
Views: 1845

Re: Rebalancing -- IPS Clarification Needed

I remember John Bogle being very equivocal about the merits of rebalancing In fact a reasonable position in his eyes was to do nothing at all Set your Asset Allocation and stay the course That was very comforting to me especially in volatile times Aged 72 retired 17 years and never really rebalanced...
by xxd091
Sun Mar 15, 2020 5:13 am
Forum: Non-US Investing
Topic: Your thoughts on my planned portfolio
Replies: 5
Views: 407

Re: Your thoughts on my planned portfolio

Looks OK Get started and as you learn -more adjustments can be made There are many different ways/funds/ETF,s to achieve the same end result so provided the basic Boglehead principles are observed-which you seem to have done- you personal preferences can be used Write down your Investment Plan on pa...
by xxd091
Fri Mar 13, 2020 7:38 am
Forum: Non-US Investing
Topic: Big difference between global bond ETFs today
Replies: 11
Views: 663

Re: Big difference between global bond ETFs today

Funds settle at the end of the day ETFs trade continually in real time So prices at any one time in a volatile situation as we currently have with large market swings will shew variations between Funds and ETF,s Time will cure all variations Trading funds in current circumstances not recommended ETF...
by xxd091
Thu Mar 12, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 432
Views: 275157

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

Sheepdog rides again! This thread will never die-a book awaits! He has saved many people with his patently honest attempt to cope with an event that will occur at some time in an amateur investors career Countless of us have “had the experience “ of a severe downturn by reading and rereading his ori...
by xxd091
Tue Mar 10, 2020 4:27 am
Forum: Non-US Investing
Topic: Totally new UK investor - need guidance please
Replies: 31
Views: 1714

Re: Totally new UK investor - need guidance please

This is interesting info I notice that Vanguard Global Bond Index Fund hedged to the Pound (VIGBBD) which I use - is domiciled in Ireland and therefore will have the higher 30% US tax rate 2 other funds I use are domiciled in U.K. and therefore should qualify for the lower 15% US rate Is this correc...
by xxd091
Sun Mar 01, 2020 5:23 am
Forum: Non-US Investing
Topic: Is being in a world index fund true diversification?
Replies: 79
Views: 4875

Re: Is being in a world index fund true diversification?

If US goes down we are all stuffed so I wouldn’t worry about it too much If really troubled buy gold and head for the hills!-take a gun! I follow your thoughts -aged 73-retd 17 years-diversified many years ago I also in addition use a Global Bond Index Tracker hedged to the Pound for my Bond allocat...
by xxd091
Tue Feb 25, 2020 9:56 am
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2777

Re: How Boglehead philosophy guides home bias equities for US vs non-US

Jim Beam
I use Vanguard Global Bond Index Fund hedged to the Pound (OIEC) VIGBBD -accumulation format for simplicity
xxd091
by xxd091
Tue Feb 25, 2020 4:58 am
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 41
Views: 2777

Re: How Boglehead philosophy guides home bias equities for US vs non-US

Just a note from someone walking the walk-aged 73 retd-17 years-UK Thanks for that info Glorat on US taxation affecting U.K. investors Many years ago I went Global with Equities and Bonds-Vanguard Index Funds It seems to have worked for me through 2002,2008 and now another test-Brexit/Coronavirus So...
by xxd091
Sun Feb 23, 2020 8:05 am
Forum: Non-US Investing
Topic: Setting up passive investment for my new born [Australian / Irish citizen]
Replies: 7
Views: 570

Re: Setting up passive investment for my new born [Australian / Irish citizen]

No I never gave them any money-they all got jobs that seemed to pay OK-I never had enough spare cash at that time anyway My serious investing started after the last one left university and at last I had money to invest In fact I was ruthlessly clear that I would pay to bring them up,educate them,pay...
by xxd091
Sun Feb 23, 2020 5:57 am
Forum: Non-US Investing
Topic: Setting up passive investment for my new born [Australian / Irish citizen]
Replies: 7
Views: 570

Re: Setting up passive investment for my new born

I concentrated on creating a good functional family and then making sure the children were fed and well educated Money is a distraction for youth-spend it on them but don’t give them much! Spend money on children -good food,good education etc enabling them to fly the nest well equipped and are then ...
by xxd091
Fri Feb 21, 2020 5:56 am
Forum: Non-US Investing
Topic: Count home as investment? [Pakistan]
Replies: 7
Views: 559

Re: Count home as investment? [Pakistan]

A home is not normally considered as part of your Investment portfolio You have to live somewhere It is illiquid The only time it is sometimes used is in retirement if your income is not high enough it can be remortgaged -home equity release-to be avoided if possible You can also down size on retire...
by xxd091
Tue Feb 18, 2020 7:05 pm
Forum: Non-US Investing
Topic: Building a portfolio in your 20's...
Replies: 8
Views: 839

Re: Building a portfolio in your 20's...

Must echo Valuethinker All you need is a Global Equities Index Fund /ETF plus a Global Bond Index Tracker Fund hedged to the Pound Your age in Bonds is a rough guide to % of Bonds required Simple cheap and easy to follow Once your Asset Allocation is set-leave alone and concentrate on your business ...
by xxd091
Tue Feb 18, 2020 6:55 pm
Forum: Non-US Investing
Topic: New UK based investor
Replies: 5
Views: 520

Re: New UK based investor

Why don’t you just invest only in a Global Equities Index Tracker Fund or ETF and save yourself a lot of hassle and expense not to mention duplication Leave the fund invested and concentrate on making money with your day job for further investing -that’s where your main efforts should be. That’s it ...
by xxd091
Thu Feb 13, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Zero Stocks In Retirement
Replies: 79
Views: 5949

Re: Zero Stocks In Retirement

Heard 30 years ago of people retiring with large portfolios with only bonds -good interest rates in those days-don’t hear it now I was like most investors starting out -mostly equities-learning all the time and discovered JohnBogle Now 73-17 years retired-made my pile-30/65/5-equities/bonds/ cash-2 ...
by xxd091
Thu Feb 13, 2020 1:00 pm
Forum: Non-US Investing
Topic: Investing inheritance
Replies: 5
Views: 683

Re: Investing inheritance

If you do not need the money immediately-take your time Leave it in the Bank and start reading learning and asking questions Then start slowly investing it learning as you go Might take a few years to get fully invested but that’s OK If you want someone else to manage your money that’s good too but ...
by xxd091
Wed Feb 12, 2020 6:01 pm
Forum: Non-US Investing
Topic: A couple of general questions...
Replies: 26
Views: 2782

Re: A couple of general questions...

I am a 73 year old-17 years ret in U.K. Started in investing before ETFs were available (to all intents and purposes they are the same as the equivalent fund) My portfolio in a SIPP is a 1) Vanguard Global Equities Index Tracker Fund -I wanted to get access to the US market Generally advice is not t...
by xxd091
Wed Feb 12, 2020 5:42 pm
Forum: Non-US Investing
Topic: New investor from Latvia
Replies: 7
Views: 601

Re: New investor from Latvia

Portfolio 2 is enough-cheap,simple and easy to understand -all you would ever need A rough rule is your age in Bonds-one to bear in mind as you get older,have more money at risk and you are coming nearer retirement With a portfolio like this in place you can now safely concentrate on matters more un...
by xxd091
Wed Feb 12, 2020 12:30 pm
Forum: Non-US Investing
Topic: Looking for a bond fund
Replies: 9
Views: 739

Re: Looking for a bond fund

Maybe we have met on other boards-Citywire or Lemon Fool-at risk of repeating myself? Aged 73-retd 17 yrs-started investing long before the time of ETFs Have used Vanguard Global Bond Index Fund hedged to the Pound for many years for a number of reasons Wanted access to US Govt Bonds and a few Corpo...
by xxd091
Sat Feb 08, 2020 6:53 pm
Forum: Non-US Investing
Topic: Asset allocation advice for early retirement?
Replies: 16
Views: 1469

Re: Asset allocation advice for early retirement?

If you got a downturn/crash at the time of your retirement a 70/30 portfolio might not recover in time even with a 3.1% withdrawal Are you happy with that? Have you alternative sources of retirement income (keeping working?) and a big enough cash fund for day to day expenses?(most people have 2 year...
by xxd091
Fri Feb 07, 2020 4:50 am
Forum: Non-US Investing
Topic: Is dimensional funds worth the extra 1% expense [Australia]
Replies: 24
Views: 1357

Re: Is dimensional funds worth the extra 1% expense [Australia]

Rick Ferri,s latest Podcast in the main Bogleheads forum has a long discussion with Paul Merriman,DDA funds etc
Plus many comment .Perhaps someone could provide a link
Listening to the podcast may help you with further decision making
xxd091
by xxd091
Tue Feb 04, 2020 5:04 am
Forum: Non-US Investing
Topic: Do the bogleheads think this 22 year old belgian is smart or naïve?
Replies: 26
Views: 3792

Re: Do the bogleheads think this 22 year old belgian is smart or naïve?

Once you have set your Asset Allocation ie Equities/Bonds ratio- do not change it-resist the urge to tinker! Concentrate on your day job where you have some control-make your money and then invest it Live frugally That’s it! I would however keep reading and learning-John Bogle books,Lars Kroijer has...
by xxd091
Mon Feb 03, 2020 4:37 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10021

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

One of your great podcasts Rick. I don’t agree with Paul’s investing premises but no one person even John Bogle has possession of the “Holy Grail” and other investing points of view are constantly needed to be listened to and analysed Your interview technique was superb-letting Paul develop his idea...
by xxd091
Fri Jan 31, 2020 5:56 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 33
Views: 1473

Re: International Bonds

U.K. investor
Of course for all investors except US ones-Global (International) Bonds are the way to go .
That way we get access to the US bond market where Govt Bonds still pay some interest
xxd091
by xxd091
Fri Jan 31, 2020 5:41 am
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1438

Re: UK SIPP investor questions

Agreed re costs I was referring to Investments only-not Platforms-apologies. Confession -I hold my investments-3 Vanguard Funds (OEICs )in Interactive Investor-through accidents of history and watching costs-best and cheapest for me -0.27% total running costs for 2 SIPPs( in drawdown) and 2 ISAs Bee...
by xxd091
Fri Jan 31, 2020 4:31 am
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1438

Re: UK SIPP investor questions

Vanguard prioritises it’s Investors over shareholders (its a mutual company-it has no shareholders!!) -having two masters (investors and Fidelity shareholders)usually increases costs!
Check your costs
xxd09
by xxd091
Thu Jan 30, 2020 6:45 pm
Forum: Non-US Investing
Topic: UK SIPP investor questions
Replies: 27
Views: 1438

Re: UK SIPP investor questions

I am not sure it matters that much which one you choose
It’s a very competitive field and tweaks keep coming to attract investors
Just choose a Global Equity and a Global Bond fund and stick with it
xxd091