Irish domiciled version of BND/VTI/VXUS lazy portfolio

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wiserabbit
Posts: 7
Joined: Sat Nov 10, 2018 7:25 am

Irish domiciled version of BND/VTI/VXUS lazy portfolio

Post by wiserabbit » Wed Dec 05, 2018 10:49 am

Hi Bogleheads,

I find BND/VTI/VXUS portfolio appealing. However, as non US resident, I lean towards Irish accumulating ETFs rather than US distributing ones. Any suggestions on how to build the above or similar portfolio with Irish accumulating ETFs?

I failed to find clear answer to this question asked 3 years ago: viewtopic.php?t=161889. Maybe things changed since then?

Thanks!

TedSwippet
Posts: 1877
Joined: Mon Jun 04, 2007 4:19 pm

Re: Irish domiciled version of BND/VTI/VXUS lazy portfolio

Post by TedSwippet » Wed Dec 05, 2018 12:26 pm

wiserabbit wrote:
Wed Dec 05, 2018 10:49 am
I find BND/VTI/VXUS portfolio appealing. However, as non US resident, I lean towards Irish accumulating ETFs rather than US distributing ones.
The wiki now offers a couple of sample portfolios using Ireland-domiciled ETFs, including one made up of accumulating ETFs.

You did not say which country you live in, but although these are under the "EU investing" part of the wiki the sample portfolios should work equally well for investors living outside the EU and in countries with no US tax treaty coverage, provided they can open a brokerage account offering trading on the relevant exchanges (for example, London or Euronext).

wiserabbit
Posts: 7
Joined: Sat Nov 10, 2018 7:25 am

Re: Irish domiciled version of BND/VTI/VXUS lazy portfolio

Post by wiserabbit » Thu Dec 06, 2018 5:52 am

Thank you!

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galeno
Posts: 1413
Joined: Fri Dec 21, 2007 12:06 pm

Re: Irish domiciled version of BND/VTI/VXUS lazy portfolio

Post by galeno » Thu Dec 06, 2018 10:06 pm

For equities use VWRD. For bonds use SUAG. KISS. X% VT + Y% SUAG.

If you want to mirror USA Vanguard's VT use 88.5% VWRD + 12.5% WSML.

Instead of SUAG (ER=0.25%) we use 33% VDCP + 33% VDTY + 25% ITPS + 9% CASH (ER=0.14%) as our FI allocation.
AA = 40/55/5. Expected CAGR = 3.8%. GSD (5y) = 6.2%. USD inflation (10 y) = 1.8%. AWR = 4.0%. TER = 0.4%. Port Yield = 2.82%. Term = 33 yr. FI Duration = 6.0 yr. Portfolio survival probability = 95%.

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