Search found 3107 matches

by TedSwippet
Mon Jul 27, 2020 4:51 am
Forum: Non-US Investing
Topic: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]
Replies: 13
Views: 1293

Re: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]

Generally it would be best for me if the ETF I am investing in is denominated in EUR, because it won't change, who knows what the exchange rate between BGN and GBP will be in the future or USD for that matter. Regardless it doesn't matter, because in any of these ETF's that I will invest in the maj...
by TedSwippet
Mon Jul 27, 2020 2:44 am
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

If I understand correctly, then in US there is no capital gain tax for non-resident aliens(paid when selling stocks with profit), while there is a capital gain tax treatment for US taxpayers - different for long and short term gains. Of course, because of taxation deals between countries, in Poland...
by TedSwippet
Sun Jul 26, 2020 2:01 pm
Forum: Non-US Investing
Topic: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]
Replies: 13
Views: 1293

Re: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]

So basically, just an example if I were to invest in VTI which is all american stocks, I need to look at the exchange rate between my currency (BGN) and the dollar (USD) ? Right. The ETF's currency is irrelevant. Say you invested in VUSA instead of VOO. This is Vanguard's EU domiciled S&P 500 track...
by TedSwippet
Sun Jul 26, 2020 3:32 am
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

Those are the links, but I am unable to verify ... The US/Luxembourg treaty indeed has a 15% US rate for dividends, and individual investors living in Luxembourg and who hold US shares can definitely use it. However, Luxembourg domiciled investment funds and ETFs cannot use the treaty (probably bec...
by TedSwippet
Sat Jul 25, 2020 5:55 pm
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

BTW, and back to first post as it hasn't been addressed, I have just read that beside Ireland, Luxembourg is now having pretty low ETF taxation and 15% tax treaty with US. Change apparently happened somewhere around 2009. Could anybody verify? Can you say where you read this? KPMG's 2019 study on w...
by TedSwippet
Sat Jul 25, 2020 5:45 pm
Forum: Non-US Investing
Topic: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]
Replies: 13
Views: 1293

Re: [How can I buy an index fund like Vanguard total stock market? (Bulgaria)]

Welcome. Basically what my goal is and what I am trying to do, based on the recommendations of so many people is to just buy an index fund. Since I am in the EU, I want to buy an index fund equal to VTI( Vanguard Total Stock Market ETF ) , or if it's optimal, just buy the actual VTI. Since I am a st...
by TedSwippet
Sat Jul 25, 2020 9:12 am
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

Koale3 wrote: Sat Jul 25, 2020 8:47 am I know that there is a broker called DIF-broker that is pretty open about it but commissions are so high that it's totally unprofitable.
DIF Broker claims to be compliant with PRIIPs.
by TedSwippet
Sat Jul 25, 2020 8:39 am
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

Plenty of US-based brokers offer their services for people from Europe. Interesting. Please can you list them. You will need to exclude those that have already stated they will not offer US domiciled ETFs to EU residents, so Schwab , Interactive Brokers , and TD Ameritrade . Moreover some EU-countr...
by TedSwippet
Sat Jul 25, 2020 7:47 am
Forum: Non-US Investing
Topic: ETFs from Poland(tax) - US vs IE
Replies: 15
Views: 1093

Re: ETFs from Poland(tax) - US vs IE

Welcome. ... being in US gives me access to big ETF market and superior liquidity. Are you sure you have any realistic choice about whether to use US domiciled or Ireland domiciled ETFs? An EU regulation known as PRIIPs, passed in 2018, now means that brokers can effectively no longer let EU residen...
by TedSwippet
Fri Jul 24, 2020 7:22 am
Forum: Spain
Topic: Check my portfolio/strategy (First time ever entering the market)
Replies: 22
Views: 2319

Re: Check my portfolio/strategy (First time ever entering the market)

I'll keep the portfolio in USD I receive most of my income in USD due to my work, I understand and accept the currency risk. Perhaps I'm missing something, or being naive, but ... overall I would have thought that having your salary closely coupled to the USD/EUR exchange rate but your spending in ...
by TedSwippet
Fri Jul 24, 2020 7:12 am
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2596

Re: Need help to invest in ETFs [Bahrain]

1. VWRD and VWRL are practically the same, since they are managed by same company and same amount of assets. (Can't see any difference, I guess it's only the currency) Right. Not just practically the same, but actually the same . Same ISIN, IE00B3RBWM25. So yes, the only difference is the trading c...
by TedSwippet
Thu Jul 23, 2020 4:36 pm
Forum: Non-US Investing
Topic: US Pensions withdrawal strategies before leaving the US.
Replies: 4
Views: 581

Re: US Pensions withdrawal strategies before leaving the US.

These issues can become challenging for one that lives in the US for let's say 10 years. In my case, I have access to a roth 401k where the employer puts a 50% match with no limit. So my traditional 401k will grow over the years pretty substantially. I hear you. In my case, eleven years of 401k gro...
by TedSwippet
Thu Jul 23, 2020 3:14 pm
Forum: Non-US Investing
Topic: US Pensions withdrawal strategies before leaving the US.
Replies: 4
Views: 581

Re: US Pensions withdrawal strategies before leaving the US.

Scenario #1 someone has 200k in a traditional IRA (100k contributions, 100k gains for the sake of the maths). One viable strategy would be to withdraw to 100k contribution while a resident (and pay taxes + penalty), and just leave an account with 100% gain (easier to track,maintain and report ultim...
by TedSwippet
Thu Jul 23, 2020 2:15 pm
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2596

Re: Need help to invest in ETFs [Bahrain]

In my case world equity index, SWDA ISHARES CORE MSCI WORLD LSEETF, would be fine since it's domiciled in Ireland, right? Right. Your shares in SWDA are shares in a non-US corporation , even though some of the things that SWDA holds within itself are actually shares in US companies. Putting a non-U...
by TedSwippet
Thu Jul 23, 2020 12:37 pm
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2596

Re: Need help to invest in ETFs [Bahrain]

I opened an account with InteractiveBrokers.com, and it's US based company. Are there are tax risks or any kind of traps for non-us investors? As long as you hold only non-US assets , such as Ireland domiciled ETFs and other non-US stocks, you are mostly safe from US tax traps. However, one still e...
by TedSwippet
Thu Jul 23, 2020 9:01 am
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2596

Re: Need help to invest in ETFs [Bahrain]

Incase of investing in Ireland based ETFs, how much the taxes would be? Without a US tax treaty -- and Bahrain does not have one -- the US taxes most dividends paid out by US domiciled ETFs at 30% (the main exception is dividends that arise from US bond interest). In contrast, Ireland does not tax ...
by TedSwippet
Thu Jul 23, 2020 6:40 am
Forum: Non-US Investing
Topic: NRA advice for future investments
Replies: 4
Views: 767

Re: NRA advice for future investments

Welcome. 1- can I keep my SSN linked to my fidelity account even if I'm not a resident? is it legal? It is certainly legal. And your SSN is yours for life; you don't lose it even if no longer a US resident. From the sound of things though, you might not yet have told Fidelity that you are no longer ...
by TedSwippet
Thu Jul 23, 2020 2:39 am
Forum: Non-US Investing
Topic: Need help to invest in ETFs [Bahrain]
Replies: 45
Views: 2596

Re: Need help to invest in ETFs [Bahrain]

Welcome. I am new to Investment, I live in and I'm citizen of Bahrain (it's tax free zone). I would like to invest in ETFs. I'm still not sure how to avoid or minimize taxes on foreign ETFs. As already noted by rhe , the key to minimising tax on your ETF holdings, while also sidestepping ridiculous ...
by TedSwippet
Wed Jul 22, 2020 11:20 am
Forum: Non-US Investing
Topic: Seeking a US expat Friendly stock broker
Replies: 16
Views: 1353

Re: Seeking a US expat Freindly stock broker

I am a long term US expat based in Thailand looking for a stock broker outside the USA who accepts US citizens to open a stock trading account for worldwide stock markets including the US stock exchanges. As already noted above, Interactive Brokers should fit the bill. When using "worldwide stock m...
by TedSwippet
Wed Jul 22, 2020 9:01 am
Forum: Non-US Investing
Topic: DIY Vanguard LifeStrategy portfolio [UK] – feedback requested
Replies: 6
Views: 722

Re: DIY Vanguard LifeStrategy portfolio [UK] – feedback requested

With this proposed portfolio I was hoping to achieve geographical diversification while reducing costs. The LifeStrategy funds have an OCF of 0.22% while these funds range from 0.06% to 0.22% with an average of 0.13%. Got it. It's a cost/fees thing, not especially a diversification thing (at least,...
by TedSwippet
Tue Jul 21, 2020 2:12 pm
Forum: Non-US Investing
Topic: DIY Vanguard LifeStrategy portfolio [UK] – feedback requested
Replies: 6
Views: 722

Re: DIY Vanguard LifeStrategy portfolio [UK] – feedback requested

After reading a little about the need to diversify, I've looked at how I can replicate Vanguard's LifeStrategy fund by building a portfolio that covers all global markets, including bonds and opting for funds with low OCFs. Can you say what you aim to achieve by doing this? If it's just more 'diver...
by TedSwippet
Tue Jul 21, 2020 9:47 am
Forum: Non-US Investing
Topic: Boglebot - tool to help non-US investors to implement the 2-fund portfolio
Replies: 23
Views: 4543

Re: Boglebot - tool to help non-US investors to implement the 2-fund portfolio

I have added a link to this from: Outline of Non-US domiciles - Bogleheads

Probably should have done that some time ago. :-(
by TedSwippet
Tue Jul 21, 2020 3:55 am
Forum: Spain
Topic: Future Move to Spain: Looking for opinions on approach
Replies: 7
Views: 1860

Re: Future Move to Spain: Looking for opinions on approach

If the situation remains as today, or gets worse (e.g. US brokerages start very actively weeding out expats), then you may want to seriously give thought to giving up your US citizenship. A Spanish passport is a good one and you can invest in essentially the same low-cost ETFs in Europe. But again,...
by TedSwippet
Tue Jul 21, 2020 3:09 am
Forum: Spain
Topic: Future Move to Spain: Looking for opinions on approach
Replies: 7
Views: 1860

Re: Future Move to Spain: Looking for opinions on approach

Welcome. 1) The Vanguard thing seems to be a problem since they don't support US Citizens with foreign addresses, and I suspect my problems do not go away simply by holding a domicile in a state like Florida and using a mail-forwarding service. It's not a given that Vanguard will necessarily restric...
by TedSwippet
Sun Jul 19, 2020 5:26 am
Forum: Non-US Investing
Topic: [Hong Kong] Various questions on portfolio construction and tax efficiency
Replies: 2
Views: 504

Re: [Hong Kong] Various questions on portfolio construction and tax efficiency

Welcome. 1. I understand from other posts on the forum that IB / HSBC Expat would be good choice for accessing the LSE and thereby building my portfolio above - and there shouldn't be any UK tax implication as well. However, given I will be relocating to the UK in a few years' time (I am a UK passpo...
by TedSwippet
Sat Jul 18, 2020 4:07 am
Forum: Non-US Investing
Topic: UK Investor - Aviva Pension Question
Replies: 8
Views: 887

Re: UK Investor - Aviva Pension Question

The ones i have flagged are the ones i think i would need - Emerging markets has the extra fees! The question then is what proportions for the equities UK and ex-UK (20/80 ??) ... This is a lot more complicated when i don't completely understand the funds available! It looks complicated at the star...
by TedSwippet
Fri Jul 17, 2020 3:02 pm
Forum: Non-US Investing
Topic: Draft wiki page: Bogleheads investment philosophy for non-US investors
Replies: 19
Views: 1420

Re: Draft wiki page: Bogleheads investment philosophy for non-US investors

[The difference between a fund fee of 0.15% and 1.5% might not seem like much, but the effect of compounding over an investing lifetime is enormous. After 30 years, a fund with a 1.5% expense ratio will provide an investor with much less money than a 0.15% index fund with the same growth. -- there'...
by TedSwippet
Fri Jul 17, 2020 12:23 pm
Forum: Spain
Topic: Check my portfolio/strategy (First time ever entering the market)
Replies: 22
Views: 2319

Re: Check my portfolio/strategy (First time ever entering the market)

You could also go for unhedged global bond fund like AGGG. That one is just american bonds, right? Wrong. Global bonds: iShares Core Global Aggregate Bond UCITS ETF | AGGG Regarding hedged, not hedged, on USD or on EUR. I don't think it's that critical to be honest but, since I want stability from ...
by TedSwippet
Fri Jul 17, 2020 6:13 am
Forum: Spain
Topic: Check my portfolio/strategy (First time ever entering the market)
Replies: 22
Views: 2319

Re: Check my portfolio/strategy (First time ever entering the market)

As a result my current plan is this: VWRA - Vanguard FTSE All-World - 80%. (ER 0,22%, Similar to VT, includes Emerging but not small caps, registered in Ireland, accumulating) VAGU - Global Aggregate Bond UCITS ETF USD Hedged Accumulating - 20%. (ER 0,10%, seems to be like BND + BNDX combined at a ...
by TedSwippet
Fri Jul 17, 2020 2:40 am
Forum: Non-US Investing
Topic: Draft wiki page: Bogleheads investment philosophy for non-US investors
Replies: 19
Views: 1420

Re: Draft wiki page: Bogleheads investment philosophy for non-US investors

My initial 2c... I read the US version of this a year or two ago and didn't look since. Reading this one now, I don't actually know what the differences would be with the original since, unsurprisingly, all the principles are the same. Would it be worth an added section summarising some of the key ...
by TedSwippet
Thu Jul 16, 2020 1:35 pm
Forum: Non-US Investing
Topic: Draft wiki page: Bogleheads investment philosophy for non-US investors
Replies: 19
Views: 1420

Re: Draft wiki page: Bogleheads investment philosophy for non-US investors

I think many non-US people live in countries with much higher social safety nets but much less after tax savings for potential investment. I think they should adopt a more aggressive approach with investments, but I'm not sure what it is. I've added a sentence trying to indicate this, thanks. Like ...
by TedSwippet
Thu Jul 16, 2020 7:26 am
Forum: Non-US Investing
Topic: Draft wiki page: Bogleheads investment philosophy for non-US investors
Replies: 19
Views: 1420

Re: Draft wiki page: Bogleheads investment philosophy for non-US investors

Thanks for the positive feedback, though really someone else did all of the hard work of coming up with the ideas here, and all I did was distil them down a fair bit and reword some parts. Modest editing, then. A couple of specific responses to comments, anyway ... One possible typo, the first line ...
by TedSwippet
Thu Jul 16, 2020 6:38 am
Forum: Non-US Investing
Topic: UK Investor - Aviva Pension Question
Replies: 8
Views: 887

Re: UK Investor - Aviva Pension Question

Ok after some investigations the annual charges are 0.22% of holding and thats it. On costs alone then, your Aviva plan beats any SIPP holding one of Vanguard's single-fund solutions. Vanguard charges 0.24% for its Target Retirement range, and 0.22% for LifeStrategy. Already at or above what you pa...
by TedSwippet
Thu Jul 16, 2020 3:56 am
Forum: Non-US Investing
Topic: UK investor ISA and SIPP
Replies: 16
Views: 995

Re: UK investor ISA and SIPP

I have in my memory that the government really did become alive to just this trick - drawing money out in one place and continuing to contribute to a pension in another. .... Now that may *only* be where one is still employed but in receipt of a pension. The £4k limit. You're probably thinking of t...
by TedSwippet
Wed Jul 15, 2020 12:30 pm
Forum: Non-US Investing
Topic: Draft wiki page: Bogleheads investment philosophy for non-US investors
Replies: 19
Views: 1420

Draft wiki page: Bogleheads investment philosophy for non-US investors

The current introductory Bogleheads investment philosophy wiki page contains a lot of implementation detail for US investors that is, if followed by non-US investors, at best irrelevant, on average misleading, and at worst damaging. I have taken a first stab at creating a less US-centric one, by rem...
by TedSwippet
Wed Jul 15, 2020 10:23 am
Forum: Non-US Investing
Topic: UK Investor - Aviva Pension Question
Replies: 8
Views: 887

Re: UK Investor - Aviva Pension Question

Welcome. I'm pretty sure that i have to keep the provider as my employer matches my contributions. Employers will only very rarely pay into schemes other than the one they have set up themselves for their employees, but some employer schemes allow partial transfers out. That way, you could transfer ...
by TedSwippet
Tue Jul 14, 2020 3:32 pm
Forum: Spain
Topic: Check my portfolio/strategy (First time ever entering the market)
Replies: 22
Views: 2319

Re: Check my portfolio/strategy (First time ever entering the market)

I'm from Spain (so taxes work a little different, keep that in mind) but I have no problem investing in american stock through IBKR and a holding company. Do double-check with your tax advisor that your holding company will protect you fully from rapacious US estate taxes . Spain has no estate tax ...
by TedSwippet
Mon Jul 13, 2020 6:28 am
Forum: Non-US Investing
Topic: US citizen working in the UK - retirement fund options?
Replies: 18
Views: 1517

Re: US citizen working in the UK - retirement fund options?

Ask my employer if they can offer Salary Sacrifice, and to what limit On top of that, make additional contributions of £700/mo AFAIK if your employer does do the former, then you cannot do the latter? In any case, if they do it by SS it's usually best to do your pension saving that way. There's no ...
by TedSwippet
Mon Jul 13, 2020 6:00 am
Forum: Non-US Investing
Topic: UK FIRE: Allocation between taxable and retirement accounts
Replies: 6
Views: 507

Re: UK FIRE: Allocation between taxable and retirement accounts

3. Am I right in thinking that there’s no tax to be paid either to the US or UK for withdrawals from my ROTH IRA? Ted Swippet might know. Should be the case, provided the myriad Roth 5-year and so on rules for when withdrawals would be free of tax, penalties and so on are satisfied. See article 18 ...
by TedSwippet
Mon Jul 13, 2020 3:47 am
Forum: Non-US Investing
Topic: UK investor ISA and SIPP
Replies: 16
Views: 995

Re: UK investor ISA and SIPP

Surmising that £20,000 is my initial retirement income (SIPP age 55) and from the the age of 50 to 55 I can move money from my ISA to my SIPP and gain the 20% tax relief, would the fact that I have a tax free allowance of £12500 make it more attractive? Say I moved £20,000 from ISA to SIPP thus aft...
by TedSwippet
Sun Jul 12, 2020 12:13 pm
Forum: Non-US Investing
Topic: US citizen working in the UK - retirement fund options?
Replies: 18
Views: 1517

Re: US citizen working in the UK - retirement fund options?

Current state of affairs: I invest with Schwab in an index fund (SWPPZ) and an ETF (EVX). I searched HMRC's list of reporting funds. It's a bit painful, because the only really unambiguous search is by CUSIP. I couldn't find anything on Schwab about SWPPZ -- did you mean SWPPX? If so, that has CUSI...
by TedSwippet
Sun Jul 12, 2020 11:31 am
Forum: Non-US Investing
Topic: New Singaporean (26) Investor seeking portfolio advise
Replies: 12
Views: 1036

Re: New Singaporean (26) Investor seeking portfolio advise

Stashaway does not give consumers the ability to pick the ETFs but that defeats the purpose of a roboadvisor anyway id suppose. I'll just go along with their suggested tweaks for now. Its a mini experiment of mine to see if the additional fees they charge is worth the returns they post about and ca...
by TedSwippet
Sun Jul 12, 2020 3:13 am
Forum: Non-US Investing
Topic: Never invested - saw John on Youtube
Replies: 6
Views: 989

Re: Never invested - saw John on Youtube

Welcome. Hi - am in Canada - heard about Vanguard - googled - ended up on Youtube and saw John. I am 54 - have extra cash (have cash in GIC and have house paid for so zero debt) that I can put into the market. Opened my Itrade account to do trades myself. Haven't funded it =) Have been told put 50% ...
by TedSwippet
Sat Jul 11, 2020 8:06 am
Forum: Non-US Investing
Topic: World ex US UCITS ETF?
Replies: 5
Views: 1007

Re: World ex US UCITS ETF?

Welcome. While this is common for US ETFs (see below), I'm struggling to find the same concept in Europe. If you're after just non-US domiciled rather than specifically UCITS, Vanguard Canada's VDU is a possibility (if you can access it, that is): https://www.vanguardcanada.ca/advisors/products/docu...
by TedSwippet
Sat Jul 11, 2020 2:42 am
Forum: Non-US Investing
Topic: How would you invest in my situation? [Brazil]
Replies: 38
Views: 1838

Re: How would you invest in my situation? [Brazil]

Guys, after studying more I realized that the only broker here to buy Irish ETFS is interactive broker, and for us Brazilians, we have to pay the minimum of 10 dollars per month to invest there (In the first year I would have to pay 20 dollars per month), and I plan to invest only 300 dollars per m...
by TedSwippet
Fri Jul 10, 2020 5:08 pm
Forum: Non-US Investing
Topic: New Singaporean (26) Investor seeking portfolio advise
Replies: 12
Views: 1036

Re: New Singaporean (26) Investor seeking portfolio advise

Welcome. Country of Residence: Singapore If you have not yet found it, we have a wiki page specifically written for investors in Singapore that might answer some of your questions. It is part of a general wiki section for non-US investors. Investing from Singapore - Bogleheads Outline of Non-US domi...
by TedSwippet
Fri Jul 10, 2020 2:39 am
Forum: Non-US Investing
Topic: New UK Investor
Replies: 4
Views: 499

Re: New UK Investor

Welcome. Hello All, after a few years hanging around the pool I've decided to jump in! I was hoping Vanguard UK would have the beloved VTSAX to save the having to spend hours reading as it's all new to me. Have you found the site's wiki yet? There is a page in it specifically for UK investors, inclu...
by TedSwippet
Thu Jul 09, 2020 8:17 am
Forum: Non-US Investing
Topic: International SP500 investment: Amundi vs Vanguard
Replies: 9
Views: 650

Re: International SP500 investment: Amundi vs Vanguard

Damm.. I thought I looked it over. Perhaps a glitch on morningstar data? Today again changed. 9.96 Vanguard 9.12 Amundi. I guess SP500 fluctuation has effect on fund valuation? Both the things you reference look to me like mutual funds and not ETFs. In which case, the most likely cause here is a di...
by TedSwippet
Thu Jul 09, 2020 7:13 am
Forum: Non-US Investing
Topic: How would you invest in my situation? [Brazil]
Replies: 38
Views: 1838

Re: How would you invest in my situation? [Brazil]

Would the trading fee be more than tax loss of using a different broker but being restricted to US exchanges only? Don't forget to include the threat of confiscatory US estate tax in your assessment. Recently: https://www.interactivebrokers.com/en/index.php?f=45196 IBKR Lite is only available to US...
by TedSwippet
Thu Jul 09, 2020 6:34 am
Forum: Non-US Investing
Topic: UK tax implications of gold
Replies: 7
Views: 499

Re: UK tax implications of gold

I'm a US citizen living in the UK for the past 3 years, with no plans to leave. Almost all our money is located in the US (HMRC reporting ETFs in our US Vanguard brokerage account). So far, we are filing on the remittance basis. I currently own some GDX (gold mining stocks) and I'm looking to buy s...