Search found 3106 matches

by TedSwippet
Tue Sep 01, 2020 10:23 am
Forum: Non-US Investing
Topic: UK - What is your choice of equity funds
Replies: 19
Views: 1077

Re: UK - What is your choice of equity funds

I used these for my mother's SIPP; VWRL global equity, VVAL global value, SPGP gold producers, SGLN physical gold, IGLS 0-5yr UK gilts. Not familiar with the others, but VWRL pays dividends in USD , even though it is traded in GBP. A platform may convert these seamlessly, so that there's no visibil...
by TedSwippet
Tue Sep 01, 2020 10:15 am
Forum: Non-US Investing
Topic: How to determine the dividend yield for accumulating ETFs?
Replies: 8
Views: 690

Re: How to determine the dividend yield for accumulating ETFs?

Should not the dividend yield and date of distributing fund be equal to accumulating? The only difference being reinvestment. It would if this ETF , SWDA, had a direct distributing alter-ego. Unfortunately, it does not. It's only other two facets are distributing, but both are currency hedged (IWLE...
by TedSwippet
Tue Sep 01, 2020 6:18 am
Forum: Non-US Investing
Topic: UK - What is your choice of equity funds
Replies: 19
Views: 1077

Re: UK - What is your choice of equity funds

One other challenge I have run into with VEVE is that the distributions in the investment account are in US$. So in addition to the spread, I'm also getting hosed on the exchange rate by Interactive Investor whenever the fund distributes dividends. I was following advice from others here that one s...
by TedSwippet
Tue Sep 01, 2020 6:03 am
Forum: Non-US Investing
Topic: How to determine the dividend yield for accumulating ETFs?
Replies: 8
Views: 690

Re: How to determine the dividend yield for accumulating ETFs?

Note therefore you should, in the UK, not hold Accumulating funds outside of a pension or ISA. The tax complications could be nightmarish (let alone figuring out what your book cost was for Capital Gains Tax purposes). In the UK at least, they should only be held in tax protected accounts. Useful r...
by TedSwippet
Mon Aug 31, 2020 9:16 am
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

when you say I am above the minimums I am assuming you are saying the total interest earned correct ? or are you saying principal plus total interest earned? The latter. It is the balance in the account at the end of the year that would let you off form 8621, if low enough. This form's instructions...
by TedSwippet
Mon Aug 31, 2020 2:28 am
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

Actually, there are minimums which you can be below and have no need to file. Thank you for the correction. I'll fix the post upthread. The topic author's holding here is apparently above these minimums. I suppose another worry is Schedule B part III for any foreign accounts? The " You must complet...
by TedSwippet
Sun Aug 30, 2020 12:21 pm
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

Thanks for the update. i looked at the 8938 form instructions and this is what I see. I do not satisfy the 3rd condition. I file joint returns and by assets in India are under $100,000 for the given calendar year and has been that way since the last 10 yrs. I guess once they begin to go over that t...
by TedSwippet
Sun Aug 30, 2020 11:00 am
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

ok but I am a US citizen living in US and have paid all my taxes for my US income every year. The link you gave me speaks of "For US citizens living abroad" AND "For non-US citizens living in the US". I am neither. I a US citizen living and working and paying taxes in US. ... Good catch, thanks. I ...
by TedSwippet
Sun Aug 30, 2020 10:32 am
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Re: Wiki - Investing from India

^^^ The pages have been renamed to: - Investing from Australia - Investing from Japan - Investing from Japan for US citizens and US permanent residents - Investing from the UK ... Wow, that was quick! Thanks. While we're on the subject, can I suggest a couple of other name changes? These add 'UK' s...
by TedSwippet
Sun Aug 30, 2020 7:52 am
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

My Indian insurance is via HSBC India with which I have an NRE account. So i assume HSBC which is a global bank has done its due diligence. In the NRE account the gains are not taxed in India but should be taxed only when I get them back to the US which I dont plan to for atleast the next 10 yrs. A...
by TedSwippet
Sun Aug 30, 2020 5:47 am
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Re: Wiki - Investing in India

Small but important observation, "Investing from India" would be a more accurate title. Agreed. There are a couple of other "Investing in <country>" pages that have always slightly annoyed me, too: Investing in Australia - Bogleheads Investing in Japan - Bogleheads Investing in Japan for US citizen...
by TedSwippet
Sun Aug 30, 2020 3:15 am
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Re: Wiki - Investing in India

I have found an existing draft page: User:CarpeDiem22/Investing in India This was started by forum member CarpeDiem22, but has not been completed. Let's use this page to complete the content. Thanks. Now that you mention it, I vaguely recall this. It looks like a promising start, so I wonder why it...
by TedSwippet
Sun Aug 30, 2020 2:55 am
Forum: Non-US Investing
Topic: US citizen investing in India
Replies: 28
Views: 1924

Re: US citizen investing in India

Hi, I am a US citizen of Indian origin. I have some money parked in India in an MNC bank in an NRE account locked in insurance policies (75 %equity and 25% bonds). Can I invest in any Indian index funds ? ... To amplify responses above ... the wiki offers more detail on the US's horrible PFIC tax r...
by TedSwippet
Sat Aug 29, 2020 5:46 pm
Forum: Non-US Investing
Topic: NRA L1TW for Ireland domiciled REITs
Replies: 1
Views: 227

Re: NRA L1TW for Ireland domiciled REITs

I would like to know whether Ireland domiciled REITs (with US real estate) and stocks have the same US level 1 tax withholding rate (i.e. 15%)? The best way to find this number is probably to look at an ETF's annual report. It will show both the total dividend received and the amount of foreign tax...
by TedSwippet
Sat Aug 29, 2020 1:34 pm
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Re: VTI/VXUS- Need guidance [India]

I might have some information useful for local investors like knowledge of tax advantaged way of accessing foreign equities. Here is a list of them to include in Wiki: ... Thank you. This looks useful. Please can you explain a bit about the relevance of the "65/35" and "N foreign"? I'm not familiar...
by TedSwippet
Sat Aug 29, 2020 6:11 am
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Re: VTI/VXUS- Need guidance [India]

Ted, I am happy to do it --most of my knowledge is recent in origin and from extensive research - largely because I hit upon your writings here. If you can share your email with me on a private message I will jot down my learning and share with you for your editorial critique. Thanks for the offer....
by TedSwippet
Sat Aug 29, 2020 2:27 am
Forum: Non-US Investing
Topic: Wiki - Investing from India
Replies: 27
Views: 2012

Wiki - Investing from India

[Moved into a new thread from: VTI/VXUS- Need guidance [India] --admin LadyGeek Thread title revised 30 Aug 2020 "Investing in India" to "Investing from India" --admin LadyGeek] ... You should be very cautious of doing this method. I am still having head-aches trying to get local CA to file foreign...
by TedSwippet
Thu Aug 27, 2020 6:54 am
Forum: Non-US Investing
Topic: Canadian: How to invest USD sitting in a US Bank account?
Replies: 7
Views: 587

Re: Canadian: How to invest USD sitting in a US Bank account?

One problem with US investments is that you could then be caught by US estate tax (a foreigner with over $60k in US assets). There have been threads here, read what Ted Swippet has written, and also the Canadian forum (there's a link to it on this board). Canadian investors should be fine up to $11...
by TedSwippet
Wed Aug 26, 2020 4:27 pm
Forum: Non-US Investing
Topic: Novice Dutch investor in Hong Kong
Replies: 4
Views: 421

Re: Novice Dutch investor in Hong Kong

Welcome. My plan to Dollar Cost Average with about 10 000 USD/month into the following asset allocation and holding until retirement: 20% Vanguard Total Bond Market Index Fund 50% Vanguard Total Stock Market Index Fund 30% Vanguard Total International Stock Index Fund To add to 000 's reply above, b...
by TedSwippet
Wed Aug 26, 2020 3:54 pm
Forum: Non-US Investing
Topic: Irish tax resident until 2022 living in Switzerland, how to invest in ETFs
Replies: 14
Views: 1395

Re: Irish tax resident until 2022 living in Switzerland, how to invest in ETFs

From https://www.revenue.ie/en/jobs-and-pensions/tax-residence/how-to-know-if-you-are-resident-for-tax-purposes.aspx: If you have been tax resident in Ireland for three consecutive tax years, you become ordinarily resident from the beginning of the fourth tax year. If you leave Ireland after this t...
by TedSwippet
Wed Aug 26, 2020 9:44 am
Forum: Non-US Investing
Topic: Exit strategy for NRI on H-1B
Replies: 12
Views: 1450

Re: Exit strategy for NRI on H-1B

I recall reading or being advised that when one is no longer a resident, they can not keep their retirement accounts open. I am not sure how true it is. This is where the whole thing doesn’t come together. It seems to depend on who your accounts are with, and perhaps also to an extent where you liv...
by TedSwippet
Wed Aug 26, 2020 5:22 am
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2589

Re: Need help to invest in ETFs [Bahrain]

mohd wrote: Wed Aug 26, 2020 4:17 am I have a question regarding re-balancing ...
There are several ways you could choose to rebalance. There is a wiki page here describing some of them:

https://www.bogleheads.org/wiki/Rebalan ... approaches
by TedSwippet
Wed Aug 26, 2020 5:17 am
Forum: Non-US Investing
Topic: Exit strategy for NRI on H-1B
Replies: 12
Views: 1450

Re: Exit strategy for NRI on H-1B

What are the assets that subject to US estate tax? It certainly includes holdings of US domiciled ETFs. But what about Ireland domiciled ETFs holding in the US brokerage account(with proper W-8BEN)? Will those subject to US estate tax? How about holdings in international branches of US brokerage, s...
by TedSwippet
Wed Aug 26, 2020 2:44 am
Forum: Non-US Investing
Topic: Irish tax resident until 2022 living in Switzerland, how to invest in ETFs
Replies: 14
Views: 1395

Re: Irish tax resident until 2022 living in Switzerland, how to invest in ETFs

Welcome. Some thoughts (though not necessarily answers!) below ... I don't think I can easily invest in Irish-domiciled ETFs for now because of the remittance rule, which would not only hit me with taxes on the ETF gains, but also with administrative burden (I likely would need to justify the origin...
by TedSwippet
Wed Aug 26, 2020 2:19 am
Forum: Non-US Investing
Topic: [Hong Kong] Vanguard AU ETFs tax implications
Replies: 6
Views: 533

Re: [Hong Kong] Vanguard AU ETFs tax implications

VTS/VEU are unique funds in Australia in that they are US domiciled and just cross listed on the ASX, as a result 1. The Australian shares held within it are inaccessible/ignored for franking, so essentially it is considered Non-Australian shares 2. The broker will treat it as US funds, so if Hong ...
by TedSwippet
Wed Aug 26, 2020 2:12 am
Forum: Non-US Investing
Topic: My broker does not offer IE00BDBRDM35 (AGGH)
Replies: 8
Views: 1306

Re: My broker does not offer IE00BDBRDM35 (AGGH)

What would be the best substitute? It is supposed to be the fixed income part of my portfolio (40-50%). It needs to be IE-domiciled and accumulating. I invest in PLN. Changing the broker is not an option unfortunately. What would you recommend? The wiki lists VAGF as an alternative. Would that work...
by TedSwippet
Tue Aug 25, 2020 9:28 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance [India]

Ted- SWRD is accumulating or distributing - not clear from State Street prospectus? European tickers are a confusing bunch. Accumulation. A prospectus won't necessarily tell you, since this information has a different role. You want to look at fund factsheets. For example, here, shown directly unde...
by TedSwippet
Tue Aug 25, 2020 8:16 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance [India]

2)" mini" VT = Benchmark is FTSE All World Index = Vanguard FTSE All-World UCITS ETF 2 flavors -- VWRA IE00BK5BQT80 OR VWRD - IE00B3RBWM25 / iShares Core MSCI World UCITS ETF SWDA /SWRD SPDR® MSCI World UCITS ETF The ones in bold are good enough choices and cheaper too. All 4 available on IB More o...
by TedSwippet
Tue Aug 25, 2020 7:13 am
Forum: Non-US Investing
Topic: UK investors: savings account rates: what am I missing?
Replies: 5
Views: 552

Re: UK investors: savings account rates: what am I missing?

you get this at Zopa, which is a P2P platform basically: https://www.zopa.com/savings-accounts and this at NS&I: https://www.nsandi.com/income-bonds What you are missing is that the product terms here are not identical. Suppose you want to hold cash for a year. Zopa is offering (for example) 1.05% ...
by TedSwippet
Tue Aug 25, 2020 5:17 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance [India]

"Due to Indian regulatory requirements, no Shares of the Vanguard FTSE All-World UCITS ETF, the Vanguard FTSE Emerging Markets UCITS ETF or the Vanguard FTSE All-World High Dividend Yield UCITS ETF shall be knowingly offered to, directly or indirectly, sold or delivered within India or, transferred...
by TedSwippet
Mon Aug 24, 2020 11:12 am
Forum: Non-US Investing
Topic: Why are Vanguard UCITS funds so expensive?
Replies: 14
Views: 1751

Re: Why are Vanguard UCITS funds so expensive?

Ted- so to approximate both costs and Indices they cover 1) VOO 3 bps/ SPY = CSPX 7 bps=VUSD 7 bps VTI-3 bps =VWRL 22bps The first line might be right (not familiar with every ETF symbol), but the second looks apples-to-oranges. VTI is US stocks, VWRL is world stocks. Nevertheless, it is relatively...
by TedSwippet
Mon Aug 24, 2020 4:04 am
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2589

Re: Need help to invest in ETFs [Bahrain]

honestly, the first deposit feels scary but I am trying to get over it. It feels odd the first time, doesn't it? You should find it becomes entirely normal and routine fairly quickly. It helps if it happens that you get a bit of an uptick in stock, bond or whatever prices shortly after venturing in...
by TedSwippet
Mon Aug 24, 2020 3:45 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance [India]

Option 3 : Continue on the VTI/VXUS trajectoy and not sweat the small stuff : ) I think we established upthread that on a $200k portfolio, using US domiciled ETFs will cost you around $9,000 in lost return over a decade. If you die in that decade, your losses rise by between $27,400 and $106,566. T...
by TedSwippet
Sun Aug 23, 2020 8:19 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

An after thought - if what I have surmised is correct then would it not make sense to buy VT where dividend yields are much less compared to VTI/VXUS I'm unsure what you're asking about? US stocks generally yield less than non-US ones, because the US tax code tends to motivate companies to reinvest...
by TedSwippet
Sat Aug 22, 2020 12:48 pm
Forum: Non-US Investing
Topic: US/UK Dual Citizen 401K Options
Replies: 19
Views: 1036

Re: US/UK Dual Citizen 401K Options

Welcome. I have a 401K in the US with a balance of 76K. I will likely never contribute to the fund again (98% certain that I will not return). I could leave it (my previous employer allows for that), roll it into an IRA (I have a week left before the 60 day deadline), or cash it out and move the mon...
by TedSwippet
Sat Aug 22, 2020 7:13 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

1) Can I start now , given the melt up in market - just a tad fearful? 2) Can I park the money in an Money Market ETF, as I withdraw periodically to do a DCA in VTI/VXUS? I might not have access to money market funds via Schwab( given my Non US status) 3) One and Done VT vs VTI/VXUS? any advice wil...
by TedSwippet
Sat Aug 22, 2020 6:56 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

I am an Indian citizen , living in India and for IRS purpose’s I am a NRA, non US person, not domiciled in US and will be taxed on US situated assets only. I have no intention of relocating from India to US. Entirely clear. Sorry I missed all that detail in your first post. 2)US Dividend Withholdin...
by TedSwippet
Fri Aug 21, 2020 1:03 pm
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

TedSwippet - Report received, thanks. It wasn't me, but I'm guessing a moderator moved the thread because of the OP's non-US status. ... I can move the thread to the Personal Investments forum, but that is only for investors who are domiciled in the US. I'll keep the thread in the non-US forum, as ...
by TedSwippet
Fri Aug 21, 2020 10:49 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

The administrator pushed it into the Non US form What should I do ? From your answer, I assume you're a US investor. You can asked that it be moved using the '!' icon (Report this post) at the top right of your posting. I just did that for you, so with luck it should get moved soon. It's not normal...
by TedSwippet
Fri Aug 21, 2020 10:46 am
Forum: Non-US Investing
Topic: US Expats - convert existing 401k to Roth 401k?
Replies: 5
Views: 483

Re: US Expats - convert existing 401k to Roth 401k?

So we're all roaming in little-chartered territory. Indeed. Even a common case like mine, a 401k as a UK resident, isn't at all common. * im not currently contributing to the US 401k, so it is and has been "blind" to other countries * im not currently contributing to local private pension plans, so...
by TedSwippet
Fri Aug 21, 2020 9:03 am
Forum: Non-US Investing
Topic: US Expats - convert existing 401k to Roth 401k?
Replies: 5
Views: 483

Re: US Expats - convert existing 401k to Roth 401k?

I have no idea how these countries treat special US tax-advantaged accounts. That's why I sorta filed off the 401k to the corner of my brain, and now wondering if i'm missing out on tax-advantaged growth, and if anyone else has gone through the same sort of issue. The countries won't necessarily al...
by TedSwippet
Fri Aug 21, 2020 6:13 am
Forum: Non-US Investing
Topic: US Expats - convert existing 401k to Roth 401k?
Replies: 5
Views: 483

Re: US Expats - convert existing 401k to Roth 401k?

i left the US years ago, to a jurisdiction with effective income tax rate ~2x. plan to work perhaps 2 more decades, with 50%+ chance that i retire here (abroad). Two pieces of critical information are missing here. Are you a US citizen or green-card holder? And which country do you now live in? In ...
by TedSwippet
Fri Aug 21, 2020 5:14 am
Forum: Non-US Investing
Topic: VTI/VXUS- Need guidance [India]
Replies: 45
Views: 3253

Re: VTI/VXUS- Need guidance

Welcome. Dear Kindred, ... Are you a US investor? If yes, note that you posted in the non-US investor forum. Posting this in one of the main US focused forums should get you better and more appropriate responses. If no, which country do you live in? This will significantly affect whether or not you ...
by TedSwippet
Thu Aug 20, 2020 5:01 pm
Forum: Non-US Investing
Topic: Seeking Portfolio Advise [Germany]
Replies: 5
Views: 564

Re: Seeking Portfolio Advise [Germany]

Currency: ETFs are all in USD, accumulating, not EUR hedged at all. I am comfortable investing in USD, and do not seek to hedge. Just to be clear -- for the benefit of other readers; I think you already know this -- with these ETFs you would be investing globally (mostly), but using USD denominated...
by TedSwippet
Thu Aug 20, 2020 4:48 pm
Forum: Non-US Investing
Topic: Registering a company in Ireland
Replies: 13
Views: 569

Re: Registering a company in Ireland

In death scenario we wont have to pay an estate tax of 40% as Ireland has an estate tax treaty with US That's not strictly true. While Ireland has an estate tax treaty with the US, it is a poor one, and reportedly does not increase the US estate tax exemption beyond the very limited $60,000 allowed...
by TedSwippet
Wed Aug 19, 2020 2:48 pm
Forum: Non-US Investing
Topic: IRA Distributions for US Non Resident Alien
Replies: 27
Views: 4677

Re: IRA Distributions for US Non Resident Alien

Is there any other option that I'm not aware of and that doesn't involve becoming a resident of a country without capital gain tax which would benefit the brokerage account if <59 1/2? Nothing springs to mind. However, this has now moved well outside my experience, so that's not to say that nothing...
by TedSwippet
Wed Aug 19, 2020 12:34 pm
Forum: Non-US Investing
Topic: Why are Vanguard UCITS funds so expensive?
Replies: 14
Views: 1751

Re: Why are Vanguard UCITS funds so expensive?

VT still seems to have a 0.08% TER, which is cheaper than the VWRL/VWCE class. At least some of the difference will be down to economy of scale. VWRL has $4.9bn assets, and VT has $19.6bn. A neat factor of four scale difference. That aside, VWRL does seem to be a bit of a TER outlier. It's easy to ...
by TedSwippet
Wed Aug 19, 2020 1:27 am
Forum: Non-US Investing
Topic: IRA Distributions for US Non Resident Alien
Replies: 27
Views: 4677

Re: IRA Distributions for US Non Resident Alien

I'm also not familiar with tax treaty election (or not), so I'm not sure what that means in practice. It seems that for the US, you just need to fill form W-8BEN and then attach Form 8833 to the tax return. I'm assuming you can't elect and refuse treaties here and there at your convenience... I thi...
by TedSwippet
Tue Aug 18, 2020 4:16 pm
Forum: Non-US Investing
Topic: IRA Distributions for US Non Resident Alien
Replies: 27
Views: 4677

Re: IRA Distributions for US Non Resident Alien

I'll do a bit more research. According to this great article that I found, "when a taxpayer elects to apply the provisions of an income tax treaty, the election applies to all of the taxpayer’s activities and articles of income covered by the treaty; at that point, the treaty overrules the provisio...
by TedSwippet
Tue Aug 18, 2020 3:50 pm
Forum: Non-US Investing
Topic: UK pension for EU citizen
Replies: 5
Views: 413

Re: UK pension for EU citizen

B- I am nearing the age of 55 where the Aegon "group personal pension plan" would become available to me. How near? The government has indicated that it will raise this age to 57, but no timetable given. If you're over 50 say, it's very likely you will escape. I will be taxed on this in the UK and ...