Search found 196 matches

by xxd091
Mon Sep 21, 2020 2:12 pm
Forum: Non-US Investing
Topic: Going 100% into VWCE [Vanguard FTSE All-World UCITS ETF]
Replies: 15
Views: 1142

Re: Going 100% into VWCE [Vanguard FTSE All-World UCITS ETF]

U.K. investor-75 -18 years retired Well done starting so young-I had to learn a lot along the way-many mistakes For last 20 + years -2 funds only A equity and a bond fund-both Global Index Tracker Funds-Vanguard Made my pile so now 30/65/5-equities/bonds/cash Produces 3 to 3.5% drawings every year A...
by xxd091
Sat Sep 12, 2020 6:13 pm
Forum: Non-US Investing
Topic: Do bonds make sense in my portfolio?
Replies: 10
Views: 776

Re: Do bonds make sense in my portfolio?

The main point of having bonds in a portfolio is to reduce a portfolios volatility -equities go up and down vigorously! The return on the bond fund is a secondary function but important Volatility not a big problem when you are young and earning money A huge problem if old and dependent on portfolio...
by xxd091
Fri Sep 11, 2020 5:15 am
Forum: Non-US Investing
Topic: savings account instead of bonds
Replies: 25
Views: 2269

Re: savings account instead of bonds

Used Vanguard Global Bond Index Fund hedged to the Pound (VIGBBD) for many years
Currently 4.13% YTD
Returned over 4% pa for 9+ years
Still bonds for me
Savings accounts returning under 1% in UK currently
Will bond situation change going forward?
xxd09
by xxd091
Tue Sep 08, 2020 6:28 pm
Forum: Non-US Investing
Topic: Investment, where should I begin? [UK]
Replies: 13
Views: 599

Re: Investment, where should I begin? [UK]

Starting investing at 19 -well done!!!!! I am 75-retired 17 years-did not really start investing properly till I was 40+ Just a World Equities Index Tracker and a World Bond Index Tracker Fund hedged to the Pound was enough to see me through to a comfortable retirement I use Vanguard but its up to y...
by xxd091
Sun Sep 06, 2020 5:14 am
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 3508

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

Some encouragement from a 75 year old UK Boglehead who has walked the walk Retired 18 years 3 funds only -a World Equities Index Tracker ex UK,a FTSE AllShare Index Tracker and a Global Bond Index Tracker Fund hedged to the Pound Split 26%/4%/65%/5%- the 5% is cash 2 years living expenses Simple che...
by xxd091
Fri Sep 04, 2020 5:37 am
Forum: Non-US Investing
Topic: An Active/Passive Portfolio review
Replies: 21
Views: 1766

Re: An Active/Passive Portfolio review

My wife’s grandmother lived on Mull Western Isles Scotland rather a lot of years ago and invested from there very successfully!
Info was newspapers only and no doubt delivered 2 or 3 days late
Shows what can be done!
xxd091
by xxd091
Thu Sep 03, 2020 5:15 am
Forum: Investing - Theory, News & General
Topic: How important this forum has been to our family.
Replies: 13
Views: 1889

Re: How important this forum has been to our family.

UK investor Bogleheads set me on the right track many years ago Structured my savings to 3 funds only Simple cheap and easy to follow Now 75 -retired at 57 and very comfortable thanks to John Bogle Thanks also to Taylor Larimore, Sheepdog and very important to me anyway a long gone poster -Ozark 42-...
by xxd091
Wed Sep 02, 2020 6:37 pm
Forum: Non-US Investing
Topic: An Active/Passive Portfolio review
Replies: 21
Views: 1766

Re: An Active/Passive Portfolio review

You have put a lot of thoughts and analysis into your portfolio-it should do the business OK A bit too complicated for me but each to his own I do confess to having a more complicated portfolio when younger! Personally I am 75 now 18 years retd and more concerned with simplicity and performance The ...
by xxd091
Tue Sep 01, 2020 6:41 am
Forum: Non-US Investing
Topic: An Active/Passive Portfolio review
Replies: 21
Views: 1766

Re: An Active/Passive Portfolio review

Vanguard,s Life Strategy Funds still showing a UK bias-not a fund for me yet but might be as I simplify from 3 funds to one in old age 80+? and fund performance not such an issue
xxd091
by xxd091
Mon Aug 31, 2020 8:17 am
Forum: Non-US Investing
Topic: An Active/Passive Portfolio review
Replies: 21
Views: 1766

Re: An Active/Passive Portfolio review

All sorted by an Index tracker-fees and mediocre managers -that is!
xxd091
by xxd091
Mon Aug 31, 2020 4:01 am
Forum: Non-US Investing
Topic: An Active/Passive Portfolio review
Replies: 21
Views: 1766

Re: An Active/Passive Portfolio review

Aged 74 retired 17 years You really enjoy managing your money and if that’s your thing then all these investments are terrific However I certainly worked hard at my job plus wife and 3 kids which I enjoyed Managing money was not an interest but became one by necessity-was in private practice Managin...
by xxd091
Tue Aug 18, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: "The Great American Bond Bubble" by Jeremy Siegel And Jeremy Schwartz
Replies: 54
Views: 3690

Re: "The Great American Bond Bubble" by Jeremy Siegel And Jeremy Schwartz

UK investor using Vanguard Global Bond Index Tracker Fund hedged to the Pound (VIGBBD) Since it’s inception-2009-averaged 4.65% pa YTD -5.03% Admittedly a few corporate bonds Does the business for me. Retd -aged 74- this fund is 65% of my Portfolio I made enough so have a conservative asset allocati...
by xxd091
Mon Aug 17, 2020 6:06 pm
Forum: Non-US Investing
Topic: UK investors: have you any experience with Jarvis Investment Management?
Replies: 5
Views: 261

Re: UK investors: have you any experience with Jarvis Investment Management?

Monevator.com has a good comparison page on ISAs SIPPs and Investment Accounts -expenses etc
Well worth a look
xxd091
by xxd091
Mon Aug 17, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13111

Re: When should one share financials with their children?

I started giving my 3 (46,45 and 43)children information where all our financial assets were some years ago They are the executors of the estate-all 3 married with kids and financially secure This year (my wife and I are 74-and in good health) I gave them the actual financial amounts I do the financ...
by xxd091
Thu Aug 13, 2020 6:54 am
Forum: Non-US Investing
Topic: US v International (Investing Review) [UK Investor]
Replies: 33
Views: 2299

Re: US v International (Investing Review) [UK Investor]

Chinese figures are suspect-lack of rule of law,government interference etc etc
A totalitarian state tends to a have a different value system -inimical to a free market
Have to tread carefully
No one appears to want to go there yet
Will situation change? Who knows?
xxd09
by xxd091
Tue Aug 04, 2020 3:23 am
Forum: Non-US Investing
Topic: Best bond for non US investors? (formerly:VBTLX)
Replies: 28
Views: 2339

Re: Best bond for non US investors? (formerly:VBTLX)

Aged 74-retd 17 yrs
Been using Vanguard Global Bond Index Fund hedged to the Pound (VIGBBD)
For many years
65% of a 3 fund Portfolio
Returns average 3.5%+ pa over last 10 yrs
Done the controlling volatility for my portfolio plus some return
Cheap,simple to understand
xxd091 (UK investor)
by xxd091
Sat Aug 01, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 279
Views: 14656

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

Thank you Rick for this podcast I learnt a lot again about the Annuity end of the market I think most of us here are canny enough to read about a different/new point of view without getting too carried away re the background of the contributor We need to be constantly challenged on our investing ide...
by xxd091
Sat Aug 01, 2020 2:54 am
Forum: Non-US Investing
Topic: US v International (Investing Review) [UK Investor]
Replies: 33
Views: 2299

Re: US v International (Investing Review) [UK Investor]

Monevator.com has a good comparison table on the various platforms It is horses for course Chose a larger-“safer” outfit first Then one with competitive charges Then stick with it as it is a very competitive field and charges of the big boys will stay in sync Chopping and changing could cause you to...
by xxd091
Thu Jul 30, 2020 5:18 pm
Forum: Non-US Investing
Topic: US v International (Investing Review) [UK Investor]
Replies: 33
Views: 2299

Re: US v International (Investing Review) [UK Investor]

Well done for getting your ducks in a row so quickly Such good advice from Ted and Valuethinker Just a thought or two from me aged 74-17 yrs retd)-walked the walk! I used and still use 3 funds only -UK investor 30/65/5- equities/bonds/cash over two SIPPs and 2 ISAs (wife and I)-made enough money Van...
by xxd091
Wed Jul 29, 2020 4:04 am
Forum: Non-US Investing
Topic: Is it possible to copy the best hedge fund ever,The Renaissance ??
Replies: 60
Views: 5996

Re: Is it possible to copy the best hedge fund ever,The Renaissance ??

It’s very obvious from reading the book (and articles) on Renaissance Technologies by the fund manager himself-I forget the title-maybe someone can supply it-that these are very special people For the average punter to go any where near these guys is madness A very few of us are given these gifts of...
by xxd091
Sun Jul 19, 2020 4:57 am
Forum: Non-US Investing
Topic: Retirement £ mindset
Replies: 16
Views: 1634

Re: Retirement £ mindset

Retired 17 years ago-now 74 Over half our (wife and I) income comes from investments-SIPPs and ISAs The other lesser half comes from my wife She is a retired Teacher with a full Teachers Pension (plus our State Pensions ) De accumulation is Accumulation in reverse-mechanics are the same I had used Q...
by xxd091
Sat Jul 18, 2020 4:46 am
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15183

Re: Retirees, share your epiphanies..

UK Boglehead 17 years into retirement (74) -all good cash wise -thanks to John Bogle Could not have done it with out him! Looking back was lucky it all worked out Always put family first though our jobs were good and satisfying-and paid reasonably well Had 3 kids early and close together -all are no...
by xxd091
Fri Jul 03, 2020 6:41 pm
Forum: Non-US Investing
Topic: Portfolio review (UK - FIRE)
Replies: 8
Views: 723

Re: Portfolio review (UK - FIRE)

Aged 74-17 years retired You seem to have a good plan -stick to it Target funds ensure disciplined investment behaviour Live frugally and save Watch the LTA with Pensions-some advise more Bonds in the Pension (Grows slower re LTA) and more Equities in the ISA-not really possible with Target Fund as ...
by xxd091
Tue Jun 30, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid being lazy with 3-fund portfolio?
Replies: 36
Views: 3727

Re: How do you avoid being lazy with 3-fund portfolio?

Absolutely the point of a 3 fund portfolio !!!
Time to do the more important things in life!!
xxd091
by xxd091
Mon Jun 29, 2020 6:44 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid being lazy with 3-fund portfolio?
Replies: 36
Views: 3727

Re: How do you avoid being lazy with 3-fund portfolio?

John Bogle, Jonathan Clements,Larry Swedroe, Rick Ferri,Alan Roth,the two Bernstein’s ,Howard Marks
The blog writers of Bogleheads forum-Taylor et al,Monevator.com(UK),Lars Kroijer (UK)
Two particular Bogleheads posters helped me a lot-Ozark 42(no longer posts) and Sheepdog
etc etc
xxd091
by xxd091
Mon Jun 29, 2020 5:10 am
Forum: Investing - Theory, News & General
Topic: How do you avoid being lazy with 3-fund portfolio?
Replies: 36
Views: 3727

Re: How do you avoid being lazy with 3-fund portfolio?

I think your use of the word lazy is a mistake It implies poor behaviour sloth and idleness To be able to set an Investment Plan-written down Set an Asset Allocation and stick with it through thick and thin is the very opposite of laziness It is very counterintuitive for humans not to meddle Not med...
by xxd091
Mon Jun 29, 2020 4:51 am
Forum: Investing - Theory, News & General
Topic: Newbies question - Gordon equation & William Bernstein remark
Replies: 16
Views: 1223

Re: Newbies question - Gordon equation & William Bernstein remark

Just for interest-a Vanguard Global Bond Index Fund hedged to the Pound that I use here in the U.K. is returning a steady 3 to 3.5 %
After doing what a Bond fund does to a portfolio (reducing volatility,maintaining portfolio value etc etc) this is a reasonable bonus for me
xxd091
by xxd091
Fri Jun 26, 2020 3:48 am
Forum: Non-US Investing
Topic: UK --> Germany [EU Expat]
Replies: 5
Views: 398

Re: UK --> Germany [EU Expat]

Dividends are dividends whether in Accumulation or Distribution mode
Will be treated by tax authorities as such
Some people keep their funds in Distribution mode so dividends are easy to track (And tax!)
Retrieving dividends from Funds in Accumulation mode is more difficult but can be done
by xxd091
Fri Jun 26, 2020 3:41 am
Forum: Non-US Investing
Topic: Advice Required On Re-adjusting My Newly Built Portfolio (UK Investor)
Replies: 11
Views: 667

Re: Advice Required On Re-adjusting My Newly Built Portfolio (UK Investor)

Vanguard does seem to be proceeding cautiously with its SIPP too
Currently drawdown from the SIPP is only in the form of buying an annuity or transferring to another platform that allows drawdown
Academic question for a young investor like you but something to be aware off
by xxd091
Tue Jun 16, 2020 6:11 pm
Forum: Non-US Investing
Topic: Easy to change my mind [UK]
Replies: 26
Views: 1448

Re: Easy to change my mind [UK]

What a lot of good advice I can only concur with all of it I am 74-17 years retd and near the end of investing fun but if I was starting out now.... A Global Equities Index Tracker for equities A Global Bond Index Tracker hedged to the Pound for Bonds Ie 2 investment funds only Simple cheap and easy...
by xxd091
Sun Jun 14, 2020 6:33 pm
Forum: Non-US Investing
Topic: ETFs vs non-ETFs in UK SIPP
Replies: 6
Views: 436

Re: ETFs vs non-ETFs in UK SIPP

Funds were one of the first simple financial formats available for ordinary investors and therefore for Index Funds However some investors being the sort of persons they are wanted to trade Index Funds like shares-negating the whole ethos of Index investing ie buy and hold forever Why anyone would w...
by xxd091
Fri Jun 12, 2020 5:20 am
Forum: Investing - Theory, News & General
Topic: Any reason for 5% cash in a long-term portfolio?
Replies: 58
Views: 4945

Re: Any reason for 5% cash in a long-term portfolio?

Retd 17 yrs aged 74
30/65/5 equities/bonds/cash
5% cash is just over 2 years living expenses
Let’s me sleep at night-been like that since retiral
Unlike you guys over here in U.K.-we still have Brexit to go yet!
xxd091
by xxd091
Thu Jun 11, 2020 3:41 am
Forum: Investing - Theory, News & General
Topic: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?
Replies: 231
Views: 29608

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

Hopefully Keot5K66 has a large pot aka Warren Buffet,s spouse and is therefore insulated from market downturns
Buffet,s wife’s savings remember were to be 90% S&P 500 and 10% Government Treasuries as advised by him
xxd091
by xxd091
Sun Jun 07, 2020 8:02 am
Forum: Non-US Investing
Topic: 25 years old and in the UK. Critique portfolio
Replies: 10
Views: 732

Re: 25 years old and in the UK. Critique portfolio

If I was starting out again at your age I would have 2 funds/ETFs only Vanguard Global Equity Index Fund Tracker and a Vanguard Global Bond Index Fund hedged to the Pound or their equivalents 80/20 .Equity/Bond Rebalance with new monies as you invest After that -if one or the other gets 5% out of it...
by xxd091
Sun Jun 07, 2020 4:44 am
Forum: Non-US Investing
Topic: 25 years old and in the UK. Critique portfolio
Replies: 10
Views: 732

Re: 25 years old and in the UK. Critique portfolio

Well done starting at such a young age Nothing to add to Teds very sound advice-took me till my 40,s to get started down the index road At the end of my investing career now -indexing did the job for me Along with frugal living and saving as much as possible! Remember to write down your investment P...
by xxd091
Fri Jun 05, 2020 5:58 pm
Forum: Non-US Investing
Topic: UK looking for bond fund
Replies: 29
Views: 1573

Re: UK looking for bond fund

The argument re the status of your fixed income ie pension part of your savings is a long-standing one-is or isn’t it a Bond? Personally I keep my share Portfolio separate and treat it as such Fixed Pensions and State Pensions cannot be sold ,passed on and die with you-ie not a bond! A share Portfol...
by xxd091
Fri Jun 05, 2020 4:59 am
Forum: Non-US Investing
Topic: UK looking for bond fund
Replies: 29
Views: 1573

Re: UK looking for bond fund

Gemini My experience-aged 74-13 years retired Like you 50% of income from State/Teachers pension My portfolio for many years has been a Global Equities Index Tracker Fund and a Global Bond Index Tracker Fund hedged to the Pound I use Vanguard Global Bond Index Fund hedged to the Pound (VIGBBD) only ...
by xxd091
Thu May 28, 2020 1:51 pm
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 36
Views: 1606

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

bbet2402
Sounds like you have read everything and made the right choices
Get it invested,leave it alone and back to your studies
xxd091
by xxd091
Tue May 26, 2020 8:17 am
Forum: Non-US Investing
Topic: 20-year-old, Investment advice [UK]
Replies: 36
Views: 1606

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: 36
Views: 1606

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: 36
Views: 1606

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: 502

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: 806

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: 453

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: 2177

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: 1568

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: 1350

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: 644

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: 2947

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: 597

Re: Free Portfolio Trackers?

I use Trustnet
xxd091