Search found 67 matches

by vset
Sun Nov 25, 2012 3:55 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 719
Views: 300664

Re: Ultimate Buy and Hold - 8 slices vs 4

Hi all!

Can I use a similar portfolio here in Europe? Or you advice me to do some changes to avoid currency risk?

Thank you.
by vset
Sun Nov 25, 2012 3:51 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

PINGO

what a great answer!

Can you please give me your idea, about a portfolio for a european citizen?
What would you do about currency risk?

THANK YOU
by vset
Sun Nov 11, 2012 4:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

Hello vset, You are asking this question in several threads - but there is no response. In summary, you would like to create a 3-fund portfolio which trades in EUR currency. The purpose is to avoid currency risk. I have searched for you, but can find no funds. Perhaps others can search? Here is my ...
by vset
Sun Nov 11, 2012 4:51 pm
Forum: Investing - Theory, News & General
Topic: A Permanent portfolio for the Eurozone
Replies: 17
Views: 3502

Re: A Permanent portfolio for the Eurozone

I have been using the PP for 3 years. I DON'T think it will work in any country but the US, and especially not in Europe. The main reason gold works well in a US PP is that the dollar is the world's reserve currency. Gold primarily reacts to changes in the US monetary system. If you are in a smalle...
by vset
Sun Nov 11, 2012 7:20 am
Forum: Investing - Theory, News & General
Topic: A Permanent portfolio for the Eurozone
Replies: 17
Views: 3502

Re: A Permanent portfolio for the Eurozone

hello :beer :beer

is it possible to use LEVERAGE with this strategy?

What is your opinion?

:dollar :dollar :dollar
by vset
Sun Nov 11, 2012 7:14 am
Forum: Investing - Help with Personal Investments
Topic: EU Boglehead -index
Replies: 3
Views: 1720

Re: EU Boglehead -index

Thanks!

any more news?


:moneybag :moneybag :moneybag :moneybag
by vset
Sun Nov 11, 2012 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Coward Lazy Portfolio for European Investor in ACC Funds?
Replies: 17
Views: 5151

Re: Coward Lazy Portfolio for European Investor in ACC Funds

Hi 8-) 8-) 8-)

what was your choice for EUROPEAN portfolio?

:sharebeer :sharebeer
by vset
Sun Nov 11, 2012 4:30 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

Hellooooo,

:idea: :moneybag :dollar

what would be this 3 FUNDS portfolio for EUROPE citizen?

Still didn't find...

:annoyed :x :( :( :( :( :(
by vset
Sat Nov 10, 2012 2:00 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

Re: European Portfolios Samples *****

Hello,

one european citizen shall have 3 Funds portfolio with EURO ETF's which I didn't find yet.
This to avoid currency risk.

Anyone can help?




:oops: :moneybag :moneybag :moneybag :moneybag
by vset
Wed Nov 07, 2012 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio for Europe (follow-up)
Replies: 12
Views: 1992

Re: Permanent Portfolio for Europe (follow-up)

Hi :greedy

Where can we see it week by week or monthly?

I only found it yearly.

But monthly drawdown can be much higher than year DD...


:beer :sharebeer
by vset
Sun Nov 04, 2012 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Investing options for European Union citizens
Replies: 20
Views: 2155

Re: Investing options for European Union citizens

@ValueThinker In regards to invest in ETF that trade in a different currency than yours, what do you think about the constant injecting and withdrawal in a different currency? One will be always exposed to the fluctuations of the currency, right? So, that won't affect the investor only if we believ...
by vset
Sun Nov 04, 2012 5:01 am
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

Re: % of your money in cash : bank deposit

Hi :sharebeer


considering the PP, 25% shall be in CASH for recession periods.

:dollar
by vset
Sun Nov 04, 2012 4:52 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

Hello all

:beer

this 3 fund's portfolio for EUROPEAN citizens using EUROS is possible?

Regards
:moneybag :moneybag
by vset
Sun Nov 04, 2012 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio for Europe (follow-up)
Replies: 12
Views: 1992

Re: Permanent Portfolio for Europe (follow-up)

mghisla,

:happy

do you have a history chart with this strategy since let's say 30 years ago?

Thank you

:sharebeer
by vset
Sun Nov 04, 2012 4:42 am
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

What would you say to a person in 2012 who had spent 40 years with a PP-like allocation and had enjoyed 9.5% average annual returns (4.5% inflation-adjusted) with very low volatility over the entire period? Would you tell them they had made an error? I'm more concerned as to what you would say to a...
by vset
Sun Oct 28, 2012 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

What would you say to a person in 2012 who had spent 40 years with a PP-like allocation and had enjoyed 9.5% average annual returns (4.5% inflation-adjusted) with very low volatility over the entire period? Would you tell them they had made an error? I'm more concerned as to what you would say to a...
by vset
Fri Oct 19, 2012 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

Hi, and what about to create 2, 3 different LAZY PORTFOLIOS? Let's say having Harry Brownes + 3 Funds Portfolio + David Swensen ? What are the problems we can face? Thank you all! I think simpler is better. So if you want to run a Permanent Portfolio I would be more tempted to augment it with a sim...
by vset
Thu Oct 18, 2012 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

Hi, and what about to create 2, 3 different LAZY PORTFOLIOS? Let's say having Harry Brownes + 3 Funds Portfolio + David Swensen ? What are the problems we can face? Thank you all! I think simpler is better. So if you want to run a Permanent Portfolio I would be more tempted to augment it with a sim...
by vset
Wed Oct 17, 2012 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

Hi,

and what about to create 2, 3 different LAZY PORTFOLIOS?

Let's say having Harry Brownes + 3 Funds Portfolio + David Swensen ?

What are the problems we can face?


Thank you all!
by vset
Wed Oct 17, 2012 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio in Europe/Germany
Replies: 70
Views: 11127

Re: Permanent Portfolio in Europe/Germany

Your other post is full of cherry picked time frames "gold doesn't look frothy when you look at it over 10 years," and full of recentcy bias... Unless of course you think long term treasuries are going to replicate the returns they gained going from ~18% to 3% over 30 years, and that gold...
by vset
Wed Oct 17, 2012 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio for Europe (follow-up)
Replies: 12
Views: 1992

Re: Permanent Portfolio for Europe (follow-up)

Hi, As I recently received some requests via PM, I would like to give you all an update on the final composition of my European Permanent Portfolio. The portfolio is completely built on ETF/ETCs (except for the cash part) and looks like this: GOLD (25%) j 25% on db Physical Gold Euro Hedged ETC (DE...
by vset
Thu Aug 30, 2012 5:22 am
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

Re: % of your money in cash : bank deposit

HELLO, CD's in US have 1% return per year? Here in my country we get 4% liquid per year. If you had 4-5% profit in a Cash deposit per year how much % of your portfolio would you allocate in it? Thank you! What is the inflation rate? What is the expected return of all the other alternatives? Sidney,...
by vset
Wed Aug 29, 2012 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

Re: % of your money in cash : bank deposit

HELLO,

CD's in US have 1% return per year?

Here in my country we get 4% liquid per year.

If you had 4-5% profit in a Cash deposit per year how much % of your portfolio would you allocate in it?

Thank you!
by vset
Mon Aug 27, 2012 4:07 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

Re: Portfolios Samples

Some ideas. (1) You could change your topic's title to be something more descriptive in the hope of getting a more targeted response. Example: "Seeking European Portfolio Samples (and how to)" From original title, we didn't know you were looking for European examples, so knowledgeable Eur...
by vset
Mon Aug 27, 2012 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

Re: % of your money in cash : bank deposit

Good evening all!

Here in Europe I don't think it is common to build these type of portfolios.

So if you want to be highly conservative and take minimum risks, after the Cash deposits what would be your asset allocation ?

Thank you!
by vset
Mon Aug 27, 2012 8:36 am
Forum: Investing - Help with Personal Investments
Topic: most conservative AA
Replies: 20
Views: 2794

Re: most conservative AA

hi,

Bogle's book said one person (executive) only invested in bonds, because was enough to maitain is lifestyle.

I'm also interested to know which instruments we can use, apart from cash deposits to build a convervative portfolio.

:sharebeer

regards.
by vset
Mon Aug 27, 2012 5:15 am
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

Re: % of your money in cash : bank deposit

Thank you all for your replies.

So, if you do portfolio rebalancement every year (once a year) where you put all the savings until that rebalancing day ?

REgards.

:beer :moneybag
by vset
Sun Aug 26, 2012 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5521

% of your money in cash : bank deposit

Dear all,

how much money ( % of your total money) you have in cash in the bank ?

How much you have as time deposit ?

Do you use this time of investment that can return up to 4-5% depending on the country.

Regards.


Thank you!

:beer :beer :beer
by vset
Sat Aug 25, 2012 5:49 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

Re: Portfolios Samples

Thank you all the support!


What shall be the big difference for a EUROPEAN citizen using ETF portfolio instead of Vanguard funds?


Tks.

:|
by vset
Sat Aug 25, 2012 5:06 pm
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 19345

Re: Post your AA

Hi,

anyone who is outside US , for example from EUROPE ?

What are you doing as Asset allocation?

Please advice.

Thank you!


8-)
by vset
Sat Aug 25, 2012 4:20 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

Re: Portfolios Samples

I tought we could have much more hipotesys of portfolios...

So that means that everyone is using some sort of portfolio like these ones ?

Thank you!


:D
by vset
Sat Aug 25, 2012 3:46 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

Re: Portfolios Samples

Hi,

I would prefer to see YOUR portfolios.

The members portfolios is not posted?

Thank you and regards.

:sharebeer
by vset
Fri Aug 24, 2012 5:00 pm
Forum: Investing - Theory, News & General
Topic: European Portfolios Samples *****
Replies: 16
Views: 2757

European Portfolios Samples *****

Hi mates,

I would like to know links(s) for several passive portfolio samples FOR EUROZONE CITIZENS

Can you please help.

OR A NORMAL DIVERSIFIED LAZY PORTFOLIO IS GOOD FOR EUROPEAN PEOPLE?

Thank you!


:)
by vset
Fri Aug 24, 2012 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investing options for European Union citizens
Replies: 20
Views: 2155

Re: Investing options for European Union citizens

Hi, But you can open an account at interactive brokers. By 120usd per year of fees... Isnt it bogle friends? After i think you have to do hedge because o currency risk, if euros do appreciate very much. Regards. Actually if Euros depreciate. If you hold Euro funds, and they appreciate, then you've ...
by vset
Wed Jul 04, 2012 4:40 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

Dear colleagues,

I don't understand why this type of portfolio cannot (should not) be used by a european citizen.

Please explain me.

Thanks!
by vset
Wed Jul 04, 2012 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Long term successful investing portfolio
Replies: 36
Views: 8211

Re: Long term successful investing portfolio

Charybdis ,

now I am totally confused, with your reply!

Please explain me better.

Thank you :?
by vset
Wed Jun 13, 2012 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Living in Europe do I have to open a position for hedging
Replies: 4
Views: 494

Living in Europe do I have to open a position for hedging

Dear all,

I live in the EURO ZONE .

If I have a lazy portfolio what must me my attention for the USD ETF's ?

Do I have to open a EURUSD position to make hedge?

Thank you and best regards.

:moneybag :dollar :greedy 8-) :sharebeer
by vset
Wed Jun 13, 2012 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Long term successful investing portfolio
Replies: 36
Views: 8211

Re: Long term successful investing portfolio

Until we got close to retirement, we found 50% total US domestic stock, 40% total US domestic bond, and 10% total international stock a very simple portfolio. Set and forget, sock away as much as you can, then feel free to adjust as you approach retirement, to reflect (if appropriate) a more conser...
by vset
Mon Jun 11, 2012 3:43 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads advice for getting rich
Replies: 63
Views: 7540

Re: Bogleheads advice for getting rich

Dear rrosenkoetter,

he inherited it from old grandmother.

At the moment he has no debt and asked for financial advice to not lose everything.


What good answer you have?


:beer
by vset
Mon Jun 11, 2012 12:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads advice for getting rich
Replies: 63
Views: 7540

Re: Bogleheads advice for getting rich

Hello, I have a friend with 21 years that has around 2 millions and he asked what shall he do with that big amount. Can you please advice? Thank you. He should put 90% in Vanguard and donate 10% to the Bogleheads Forum. Victoria Hi, In which products, etfs, funds. ?... Of vanguard. ? Thanks,!
by vset
Sun Jun 10, 2012 6:30 am
Forum: Investing - Theory, News & General
Topic: Bogleheads advice for getting rich
Replies: 63
Views: 7540

Re: Bogleheads advice for getting rich

Hello,

I have a friend with 21 years that has around 2 millions and he asked what shall he do with that big amount.

Can you please advice?

:dollar :confused


Thank you.
by vset
Sun Jun 10, 2012 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Investing options for European Union citizens
Replies: 20
Views: 2155

Re: Investing options for European Union citizens

Hi,

But you can open an account at interactive brokers.

By 120usd per year of fees...

Isnt it bogle friends?

:greedy

After i think you have to do hedge because o currency risk, if euros do appreciate very much.

Regards.
by vset
Sun Jun 10, 2012 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Long term successful investing portfolio
Replies: 36
Views: 8211

Re: Long term successful investing portfolio

Until we got close to retirement, we found 50% total US domestic stock, 40% total US domestic bond, and 10% total international stock a very simple portfolio. Set and forget, sock away as much as you can, then feel free to adjust as you approach retirement, to reflect (if appropriate) a more conser...
by vset
Fri Jun 01, 2012 2:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The Three Fund Portfolio

LadyGeek suggest I post this here, too--I just put it into the Wiki article on Three-fund portfolio. As of 2012, Vanguard provides a tool that in fact recommends a three-fund portfolio of the kind championed by Taylor, with percentages based on your responses to a short online questionnaire. The to...
by vset
Fri Jun 01, 2012 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Long term successful investing portfolio
Replies: 36
Views: 8211

Re: Long term successful investing portfolio

Dear colleagues , you in US use Vanguard for the Three fund portfolio : From Vanguard's list of "core funds," the funds that are best for a three-fund portfolio are: Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Mar...
by vset
Thu May 31, 2012 4:17 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The "Boglehead Way."

Hi all, I am in europe... My biggest difficulty is to select portfolio. Where can i see more examples of various hipotesys and your experience and case studies. I have seen the videos and the page you suggested but i remain a bit empty. Please help. Thank you all. vset, It is my understanding that ...
by vset
Wed May 30, 2012 4:14 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The "Boglehead Way."

Hi all, I am in europe... My biggest difficulty is to select portfolio. Where can i see more examples of various hipotesys and your experience and case studies. I have seen the videos and the page you suggested but i remain a bit empty. Please help. Thank you all. vset, It is my understanding that ...
by vset
Wed May 30, 2012 12:27 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102862

Re: The "Boglehead Way."

Steve: I hope I answered your questions. You did and I appreciate it very much. You and Dan are a good example of how the "Boglehead Way" has helped many of us. Best wishes Taylor Hi all, I am in europe... My biggest difficulty is to select portfolio. Where can i see more examples of vari...