Search found 1521 matches

by airahcaz
Mon Apr 05, 2010 7:10 pm
Forum: Personal Investments
Topic: Retirement options without 401K
Replies: 9
Views: 1254

Retirement options without 401K

I work for a franchise that doesn't provide a 401K.

Do I just contribute to an IRA and take the tax deductions at year end, or is there another plan that I can max out?
by airahcaz
Wed Mar 31, 2010 8:42 am
Forum: Personal Investments
Topic: XWD or ACWI for a Canadian account
Replies: 4
Views: 1274

XWD or ACWI ETF

I believe we can get around the US withholding via:
Retirement account (RRSP) OR
Being a US Resident and providing the proper documentation.

Besides withholding, estate, and other general possible tax issues, does anyone have any opinions on the actual ETF's, XWD vs ACWI/VT?

Thanks
by airahcaz
Tue Mar 30, 2010 4:41 pm
Forum: Personal Investments
Topic: XWD or ACWI for a Canadian account
Replies: 4
Views: 1274

XWD or ACWI for a Canadian account

For a Canadian account, one can buy the iShares XWD on the TSX in Canadian Dollars. Alternatively, can convert the CAD to USD, take a hit on foreign exchange (typically 1%), and purchase ACWI (or VT) with lower MER, higher AUM, less tracking error, and I'm sure other advantages. What are some though...
by airahcaz
Tue Mar 30, 2010 1:42 pm
Forum: Investing - Theory, News & General
Topic: One ETF for the World or three. What are the pros and cons
Replies: 17
Views: 3855

Total World is the most diversified stock index fund Vanguard offers (and by the way, adding small caps would make very little difference). But by using 2 or 3 funds, you can own the same exact stocks with a lower expense ratio, and more flexibility in case you want to tax loss harvest or make a ta...
by airahcaz
Tue Mar 30, 2010 9:20 am
Forum: Investing - Theory, News & General
Topic: One ETF for the World or three. What are the pros and cons
Replies: 17
Views: 3855

Re: One ETF for the World or three. What are the pros and co

What do you do and why? Erwin In my US account, I use VT. In my Japanese account, where VT is not available, I use a combination of individual Japanese stocks, SPY (S&P500), and EEM (Emerging Markets), and plan to start using TOK (MSCI Kokusai index, which is developed markets ex-Japan), since ...
by airahcaz
Sat Mar 27, 2010 8:40 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

Re: VT

This quote seems incorrect eh? "For example, 42% VTI (Total US Stocks) and 52% VEU (Total World Stocks ex US) is equivalent to VT." From: seeking alpha http://seekingalpha.com/article/95469-all-world-etfs-offer-access-to-global-growth-opportunities Indeed! A little creative math going on ...
by airahcaz
Sat Mar 27, 2010 12:13 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

VT

This quote seems incorrect eh?

"For example, 42% VTI (Total US Stocks) and 52% VEU (Total World Stocks ex US) is equivalent to VT."

From:
seeking alpha http://seekingalpha.com/article/95469-a ... ortunities
by airahcaz
Fri Mar 19, 2010 7:22 am
Forum: Personal Investments
Topic: ACWI and IWV via Fidelity
Replies: 7
Views: 1655

Re: fidelity

mattsm wrote:
airahcaz wrote:So you use fidelity to buy one share of acwi a month?
Depends on how I'm feeling... but 1-3 shares at the current price.
sorry, didn't mean to ask the quantity, but your broker is Fidelity since commission free eh
by airahcaz
Thu Mar 18, 2010 8:43 pm
Forum: Personal Investments
Topic: ACWI and IWV via Fidelity
Replies: 7
Views: 1655

fidelity

So you use fidelity to buy one share of acwi a month?
by airahcaz
Thu Mar 18, 2010 7:18 pm
Forum: Personal Investments
Topic: ACWI and IWV via Fidelity
Replies: 7
Views: 1655

ACWI and IWV via Fidelity

I'm digging Fidelity over Schwab for commission free ETF's. I'm not digging that ACWX (iShares MSCI ACWI ex US Index (ACWX) is not on the list. What are folks thoughts on buying one ACWI (iShares MSCI ACWI Index) for every IWV (Russell 3000), thus giving me 3 parts domestic US and 1 part Internation...
by airahcaz
Mon Mar 15, 2010 2:58 pm
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

I am more comfortable keeping US & foreign in separate funds. I like to invest in the asset class that has dropped. If I had only one fund, I would not be able to do that. Look at just the last month ... because of Greece, markets tanked, but foreign markets more than US markets. For example, V...
by airahcaz
Tue Mar 09, 2010 9:47 pm
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

Re: small cap

VT: Giant 52.14 Large 34.36 Medium 13.17 Small 0.32 Micro 0.01 Does anyone know where to find the small cap makeup of VTI, for comparison purposes? VTI: Giant 40.35 Large 31.02 Medium 19.79 Small 6.48 Micro 2.37 http://quicktake.morningstar.com/etfnet/portfolio.aspx?symbol=VTI&country=USA It is...
by airahcaz
Sun Mar 07, 2010 10:48 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

small cap

VT: Giant 52.14 Large 34.36 Medium 13.17 Small 0.32 Micro 0.01 Does anyone know where to find the small cap makeup of VTI, for comparison purposes? VTI: Giant 40.35 Large 31.02 Medium 19.79 Small 6.48 Micro 2.37 http://quicktake.morningstar.com/etfnet/portfolio.aspx?symbol=VTI&country=USA It is...
by airahcaz
Sun Mar 07, 2010 10:22 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

Opponent Process wrote:VT:

Giant 52.14
Large 34.36
Medium 13.17
Small 0.32
Micro 0.01
Does anyone know where to find the small cap makeup of VTI, for comparison purposes?
by airahcaz
Sun Mar 07, 2010 10:15 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

Assuming the expense ratio were not higher than one could get by holding the components, I'd buy it. For that matter, I'd buy Total World Stock Market right now, if not for its ER which is higher than both Total Stock Market and FTSE All World Ex-US, and if not for its lack of small cap. I'd let it...
by airahcaz
Sat Mar 06, 2010 3:37 pm
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

VT International

let me post the question another way, are folks more comfortable with the international allocation within VT, or the alternative, such as VTI plus an international ETF where you control the makeup?
by airahcaz
Sat Mar 06, 2010 3:24 pm
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

VT

My only solace is that I suppose the small cap in VT is probably minuscule?
by airahcaz
Sat Mar 06, 2010 10:06 am
Forum: Investing - Theory, News & General
Topic: Schwab Index ETFs vs Vanguard ETFs
Replies: 9
Views: 3554

Fidelity vs Schwab

So seems like going with Fidelity to get free commissions on iShares ETF's is the better way to go than Schwab?
by airahcaz
Fri Mar 05, 2010 3:07 pm
Forum: Investing - Theory, News & General
Topic: Schwab Index ETFs vs Vanguard ETFs
Replies: 9
Views: 3554

Schwab

in this debate, what would happen to your Schwab ETF's f Schwab were to go bankrupt?
by airahcaz
Fri Mar 05, 2010 3:03 pm
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

VT vs VTI + VEU

I really want to just own VT, and not have to deal with VTI and VEU. However, VT seems overweight in international, and isn't it recommended to be overweight domestic? even 60/40? Secondly, I'm following the discussion here, but how much US domestic small cap is in VTI that is lacking in VT? Having ...
by airahcaz
Fri Mar 05, 2010 11:58 am
Forum: Investing - Theory, News & General
Topic: What we really need: All-Cap All-World Index Fund:
Replies: 75
Views: 16834

bump

don't know any other way to add myself to this interesting thread, so bumping :)