Search found 33 matches

by ATope
Thu Feb 15, 2018 10:18 am
Forum: Non-US Investing
Topic: Planning portfolio - European investor
Replies: 12
Views: 1861

Re: Planning portfolio - European investor

I too have the three equity portfolio approach, just slightly different fund providers:

VWRD
VDEM
SPDR MSCI World Small Cap UCITS ETF, WDSC

I balance this with cash & bonds:
IUAA.

So 4 funds in total. Rebalance 2 times per year to minimize transactions. Leave it and get on with my life
:happy
by ATope
Tue Feb 13, 2018 5:02 am
Forum: Non-US Investing
Topic: Planning portfolio - European investor
Replies: 12
Views: 1861

Re: Planning portfolio - European investor

That’s 7 funds - to buy/sell each month to maintain the balance across the portfolio. Perhaps too many if only investing 250 EUR per month. Why not simply go for IWDA and Emerging Markets/Small Cap if you wish for a little more diversification & risk? I’d also balance equities with either bonds or c...
by ATope
Fri Jan 12, 2018 9:01 am
Forum: Non-US Investing
Topic: Brazilian Boglehead needs help with Ireland Domiciled ETFs
Replies: 9
Views: 852

Re: Brazilian Boglehead needs help with Ireland Domiciled ETFs

Hi! I think you need to follow the basics of the forum and post as many details about your situation, investing plan, duration of investments, goals etc. It’ll be hard for people to advise & recommend otherwise. I’d also suggest using the search function for ‘expat portfolios’, ‘Ireland domiciled ET...
by ATope
Mon Jan 08, 2018 12:17 pm
Forum: Non-US Investing
Topic: Investing close to retirement and reconsidering location [EU]
Replies: 9
Views: 1232

Re: European expat investing close to retirement

You’re welcome! As a newbie, the choice overload can be daunting. And the urge to tinker and question after an initial commitment also makes things harder. But keep it simple is a great philosophy to counter these issues. I sometimes wish I was still UK based to access the Vanguard fund-of-funds veh...
by ATope
Mon Jan 08, 2018 11:12 am
Forum: Non-US Investing
Topic: Investing close to retirement and reconsidering location [EU]
Replies: 9
Views: 1232

Re: European expat investing close to retirement

Hi. My circumstances are somewhat different (age, marital status etc.) but am an expat and based in EU (currently) with a very simple portfolio. Building on some of the initial advice already given you might wish to streamline everything down and go for the following, according to your % preference:...
by ATope
Sat Jan 06, 2018 4:34 am
Forum: Non-US Investing
Topic: Global nomad advice/newbie alert
Replies: 24
Views: 3233

Re: Global nomad advice/newbie alert

VWRD or the iShares equivalent seem fine if you wish to keep it simple. Which as a newbie myself I always follow KISS! One further point: never say ‘never’. I’m also a wandering expat (UK citizen, currently based in Switzerland but expat out of Japan!?!?!) and at various points in the past 2 years h...
by ATope
Mon Mar 13, 2017 10:57 am
Forum: Non-US Investing
Topic: Investing in Japan: ETF and Funds, fees and hurdles
Replies: 5
Views: 1192

Re: Investing in Japan: ETF and Funds, fees and hurdles

Hi! Apols to reply late on a few of your questions. The "liquidity" of a fund can be checked by the overall size (the bigger the better), the daily trading volumes and the bid/ask spread (the smaller the better). Your fund choice looks fine. There are a few global "kokusai" funds ex-Japan, which sho...
by ATope
Sun Feb 19, 2017 4:21 am
Forum: Non-US Investing
Topic: Australia - Please help me with my first portfolio
Replies: 14
Views: 5227

Re: Australia - Please help me with my first portfolio

Perhaps more info is needed on your investment goals, timeframe, risk appetite, tax situation. I would frame the request in the standard Boglehead style. FYI. There is a pretty robust Oz-centric investment thread on the Money Moustache forum: http://forum.mrmoneymustache.com/investor-alley/australia...
by ATope
Mon Feb 13, 2017 8:21 am
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 5363

Re: Help to build a three fund portfolio with non-US ETF

KISS philosophy is good!!!
Out of interest, and a personal question so feel free to decline to answer, but what is your past 5Y pre-tax return on the 2 ETF portfolio, Galeno? Ballpark % is fine (assuming fees & taxes etc. with your broker will be different to mine and others)
by ATope
Fri Feb 10, 2017 10:21 am
Forum: Non-US Investing
Topic: Help to build a three fund portfolio with non-US ETF
Replies: 21
Views: 5363

Re: Help to build a three fund portfolio with non-US ETF

Hi. You could replace IUAG with intermediate treasury bonds (3-7 year) (CSBGU7) and/or Inflation linked Govt bonds (IDTP). ishares offers these as accumulating ETFs in USD. I remain torn between IUAG and the above two. I have been working on a similar portfolio, trying to balance Vanguard availabili...
by ATope
Tue Feb 07, 2017 2:44 pm
Forum: Non-US Investing
Topic: Please judge my investing plan (Netherlands)
Replies: 13
Views: 1977

Re: Please judge my investing plan (Netherlands)

Yep. The choice of ETFs is bewildering. How is the liquidity of the ishares ETFs you mention? Irrespective of cost and coverage, the Vanguard ETFs typically have good trade volumes and thus are appealing. It's tough though, as ishares offer accumulating versions which are attractive...but sometimes ...
by ATope
Mon Feb 06, 2017 3:26 pm
Forum: Non-US Investing
Topic: Expat Investor - portfolio recommendations
Replies: 9
Views: 1388

Re: Expat Investor - portfolio recommendations

Thanks for the advice. My understanding is as a current Swiss tax payer I am liable for appropriate Swiss CGT. Fine. I will of course pay this until I move elsewhere. Japan tax is of course not an issue until I technically decide to retire/reside there. I currently have no Japanese tax obligations. ...
by ATope
Mon Feb 06, 2017 8:43 am
Forum: Non-US Investing
Topic: Expat Investor - portfolio recommendations
Replies: 9
Views: 1388

Re: Expat Investor - portfolio recommendations

Understood!
Again, many thanks for the guidance.
by ATope
Mon Feb 06, 2017 8:11 am
Forum: Non-US Investing
Topic: Expat Investor - portfolio recommendations
Replies: 9
Views: 1388

Re: Expat Investor - portfolio recommendations

Hi all. Many thanks for the replies. I do not think PFIC applies as I do not file US taxes. At present I file Swiss taxes. And yes, I asked if it was optimal to buy either USD version of ETF or same GBP version. Both versions across most ETFs mentioned above are available. I agree that USD versions ...
by ATope
Sun Feb 05, 2017 3:44 am
Forum: Non-US Investing
Topic: Expat Investor - portfolio recommendations
Replies: 9
Views: 1388

Expat Investor - portfolio recommendations

Hi, I'm a UK expat currently in Switzerland, most likely to retire in Japan (it's a long story). But final retirement is not clear. I am likely to move from Switzerland on my next assignment. Next destination is not yet known. I have no 'home country' as such when it comes to portfolio construction....
by ATope
Fri Feb 03, 2017 4:10 pm
Forum: Non-US Investing
Topic: Please judge my investing plan (Netherlands)
Replies: 13
Views: 1977

Re: Please judge my investing plan

Hi. This may or may not be helpful but as the vast majority of the people in the forum are US focused, you may wish to reach out to the person behind the following blog: https://www.nomorewaffles.com He's around your age, based 'next door' in Belgium and can probably guide you on many topics that re...
by ATope
Tue Jan 31, 2017 6:00 pm
Forum: Personal Investments
Topic: Unsure which country i'm retiring in - investing advice?!
Replies: 4
Views: 979

Re: Unsure which country i'm retiring in - investing advice?!

I'd consider the tax implications of investing now in the US and what it might mean should you wind up your positions further down the line and move elsewhere. But why not, given your age and you are investing for retirement, simply choose one of the Vanguard Life Strategy or Target retirement funds...
by ATope
Tue Jan 31, 2017 1:47 am
Forum: Non-US Investing
Topic: Investing in Japan: ETF and Funds, fees and hurdles
Replies: 5
Views: 1192

Re: Investing in Japan: ETF and Funds, fees and hurdles

Hi. I guess one of the complicating factors you are highlighting is only being able to buy in set units of your preferred fund. You may wish to check the listed ETFs on the TSE, apologies if you have already done so: http://www.jpx.co.jp/english/equities/products/etfs/issues/01-08.html There are a s...
by ATope
Mon Jan 30, 2017 12:12 pm
Forum: Non-US Investing
Topic: Which Vanguard Life Strategy Fund? 10 year horizon
Replies: 5
Views: 1427

Re: Which Vanguard Life Strategy Fund? 10 year horizon

Again, thanks. This is all very helpful. I think I will look at the target retirement funds for guidance. It looks like Retirement 2025 or 2030 fund might suit....
by ATope
Mon Jan 30, 2017 10:14 am
Forum: Non-US Investing
Topic: Which Vanguard Life Strategy Fund? 10 year horizon
Replies: 5
Views: 1427

Re: Which Vanguard Life Strategy Fund? 10 year horizon

Many thanks for the great analysis!
I guess that by 2027 I would very much like to have protected the principal, and grown it moderately. So therefore more certainty on the end value, for sure.
by ATope
Mon Jan 30, 2017 9:40 am
Forum: Non-US Investing
Topic: Which Vanguard Life Strategy Fund? 10 year horizon
Replies: 5
Views: 1427

Which Vanguard Life Strategy Fund? 10 year horizon

Hi. I'd like to use a very easy, set-n-forget approach for a 10 year investment horizon (for my daughter, until age 18). This would be using a tax free savings vehicle (UK, ISA allowance) with maximum $18K per annum. I would like moderate risk , so was considering either the 40% or 60% Life Strategy...
by ATope
Tue Jan 17, 2017 4:03 pm
Forum: Non-US Investing
Topic: Help Me, I'm Swiss: Diversifying Portfolio to non-US
Replies: 16
Views: 2003

Re: Help Me, I'm Swiss: Diversifying Portfolio to non-US

Perhaps this is language thing, but when you say "difference is only if you see the money or not" surely with an accumulating ETF you never actually "see" the money. It is automatically reinvested.
by ATope
Mon Jan 16, 2017 5:28 pm
Forum: Non-US Investing
Topic: Help Me, I'm Swiss: Diversifying Portfolio to non-US
Replies: 16
Views: 2003

Re: Help Me, I'm Swiss: Diversifying Portfolio to non-US

I guess I just chose domestic stocks, world stocks and intermediate bonds to keep it all simple. I could have emerging markets as a 4th fund....but to be honest simplicity suits me best. A few buy/sell trades to rebalance, and I carry on with life. I'm sure a better structure could be there for the ...
by ATope
Mon Jan 16, 2017 2:05 pm
Forum: Non-US Investing
Topic: Help Me, I'm Swiss: Diversifying Portfolio to non-US
Replies: 16
Views: 2003

Re: Help Me, I'm Swiss: Diversifying Portfolio to non-US

iShares Core MSCI World UCITS ETF USD Acc
UBS ETF MSCI Switzerland 20/35 UCITS ETF
iShares USD Treasury Bond 3-7yr UCITS ETF USD Acc
by ATope
Mon Jan 16, 2017 2:08 am
Forum: Non-US Investing
Topic: Help Me, I'm Swiss: Diversifying Portfolio to non-US
Replies: 16
Views: 2003

Re: Help Me, I'm Swiss: Diversifying Portfolio to non-US

Good morning Swiss Bogleheads! I'm currently investing in three accumulating, Irish & Lux Based ETFs: IE00B4L5Y983 45% LU0977261329 15% IE00B3VWN393 40% I use Swissquote as my broker. My current split is 60:40 equities and bonds across the above 3 ETFs. I simply wanted to minimize workload, I rebala...
by ATope
Thu Jan 12, 2017 7:54 am
Forum: Personal Investments
Topic: Investing advice for spouse - JAPAN based investing
Replies: 2
Views: 385

Re: Investing advice for spouse - JAPAN based investing

Hi. Thanks for the advice. I understand the tendency in Japan still for high priced managed funds. I guess it is a legacy thing. But I wonder if a fund-of-fund like Vanguard Global Life is actually not too bad when you strip out brokerage fees for ETF purchasing etc. over the course of a year? So do...
by ATope
Tue Jan 10, 2017 11:58 am
Forum: Personal Investments
Topic: Investing advice for spouse - JAPAN based investing
Replies: 2
Views: 385

Investing advice for spouse - JAPAN based investing

Hi all! Happy New Year! I'm looking for some basic investment advice from Japan based investors , on behalf of my wife (a Japanese national). I'm trying to encourage her to get into Boglehead-style investing with a simple balanced portfolio approach. We have about 3 MIO JPY to get her started, and p...
by ATope
Sat Feb 20, 2016 5:46 am
Forum: Non-US Investing
Topic: Starting investment with complex situation
Replies: 2
Views: 451

Re: Starting investment with complex situation

Hi. Interesting situation, a bit like mine. I am a British citizen, employed in Japan but now expat in Europe. I receive salary in yen and have maintained bank accounts in Japan. I 'might' retire to Japan eventually, but not sure. I am likely to continue on the expat circuit too for the foreseeable ...
by ATope
Fri Jan 22, 2016 9:08 am
Forum: Non-US Investing
Topic: Japan: how & where to invest to be flexible in what country I retire in?
Replies: 1
Views: 401

Re: Japan: how & where to invest to be flexible in what country I retire in?

Hi. I read your post and find myself in somewhat similar circumstances (although slightly different ). Like you I am a foreign national (UK, in my case) who is currently/technically based in Japan. Unlike you, and maybe where I can offer some advice if you ever need it in such circumstances, I am no...
by ATope
Fri Jan 22, 2016 7:32 am
Forum: Non-US Investing
Topic: Newbie Investor - Japan
Replies: 3
Views: 714

Re: Newbie Investor - Japan

Just to close the loop on this conversation for anyone interested. My circumstances are a little unusual (foreign national, Japan non- resident as currently expat overseas from Japan, eventually likely to return to Japan thus becoming resident again) I've been informed by tax advisors (KPMG Japan) t...
by ATope
Mon Jan 18, 2016 12:38 pm
Forum: Non-US Investing
Topic: Newbie Investor - Japan
Replies: 3
Views: 714

Re: Newbie Investor - Japan

Thanks for the advice! Yes. The taxation status is probably key to all this. I'll look into it, especially if I commence a portfolio in my current country of residence and then look to take those monies "back" to Japan at some point. As you say, the portfolio part of the equation is the easiest: I a...
by ATope
Sun Jan 17, 2016 9:34 am
Forum: Non-US Investing
Topic: Newbie Investor - Japan
Replies: 3
Views: 714

Newbie Investor - Japan

Hi. I've been browsing the forums and looking for final advice before taking the plunge. I'm 40 years old and have not seriously considered investing before, but now need to plan ahead for retirement. I have around 20million yen just sitting in the bank. I also have around 6 million in the company p...