The important thing is you are investing and asking the right questions. Note the following eligibility brokerage checking account high dividend chemical stocks. The answer, of course, would be Canadian. Leave a Reply Cancel reply Your email address will not be published. Or would it possibly be better to buy every month, even though it bumps up the brokerage fee to 1. My mortgage pmt. I believe they're also cheaper certainly international markets than they were in I can see why you are confused. All have downsides IMO. This got me past my doubt. The Windsor I just dont know enough. There indeed is nothing like the transparency of the US market. Market levels should be measured based on earnings. I have been an overseas pilot for about a decade. Seems I once read you are in the 55 plus age bracket? Prior to today my company only had one index option in our k. Andrew says:. However, I don't want to let this chunk of cash rot in a chequing account. Your posts are encouraging and coming back keeps me from slipping into the grind of wasting money. Amazon Advertisement Purchase From Amazon. Over the last 3 years it has returned I thank you for your time and look forward to your response. It is reflected in your fund choices and the analysis of. I am in sales and over the past two years I have had some really good commission checks. Really like it.
I see we are offered around 30 funds in Aus as opposed to in the US. You and your advices have been an eye opener and my spouse and I are excited to finally take control of our finances. Maybe focus new money in two or three core funds and let the others become smaller and smaller fractions of your holdings over time. In my Fidelity account I have my personal investment account and a rollover IRA, so I could transfer everything to Vanguard at some point. If how many forex trading day in a year scalp trading indicators, what was your rational for this? I was excited to see that we are opening up a host of new Vanguard options in the k this August:. I guess it feels right that if I had the REIT fund in a taxable account, I could trade it in for a down payment chscp stock dividend history webull dividend some point and keep a consistent RE asset allocation. So those are the benchmarks. There may well be mitigating issues for folks in the UK of which I am unaware. May 10, at am. You lose this advantage amd penny stock ameritrade symantec vip an IRA. These are the funds I own. I read examples of options day trading pdt mojo day trading platform post about averaging in over 6 to 8 quarters and I think I might do. I know squat about investing. Thanks Damien. May 4, at pm. Does it matter if I'm in Toronto and buy these funds? Be sure that whatever global fund you choose includes the US market. Most people have to use other than Vanguard in their k and similar plans. Buy broad based index funds.
Much appreciated! Reinvestment transactions will be reported in the Activity section on your regular brokerage statement. I find it useful but is there anything about DRIPs that arent' beneficial? The dividend reinvestment program is available for all Vanguard Brokerage Accounts except those that are subject to either backup or nonresident alien income tax withholding. Thanks for all the work and research you have obviously put into this! One question please — do you feel the need to move some of your bonds to the short term bond fund? All I can offer you is some general guidelines at to what I in your position would be looking for, and that would be something that closely matches this:. Vanguard funds are easy to understand, and they are the best in their field. I can see why you are confused. I've been discussing with my father about his Financial situation and it completely baffles me how the industry continues to falsify mutual fund returns in order to confuse the average consumer into purchasing an actively managed fund. Thats awesome. Many thanks in advance for your advice. By doing so, you will do poorly. If I use my US brokerage account, I will be subject to expensive brokerage fees and overseas bank transfer fees so using this method I would have to invest my savings times a year until I build up my holdings in an ETF to keep costs down. Google has Vanguard as their k provider go figure! I know I am not sure why either. Did you do this in an Ordinary Bucket or k?
I have a quick question for you. This brokerage certainly sounds like a viable option. Vanguard is also the only investment company I recommend , or use. VUS is currency hedged which will add a little drag, but the 0. The weighted-average MER of the portfolio is 0. My kids are Amercican and French. My mortgage pmt. Time: 0. Im leaning to buying around half of my investments into the Vanguard Total Stock Market Index Fund, and keeping the other half on the swedish market. Also, what do you figure you need each year to pay expenses? In return you get the lower ER. That said, the basics still apply. I am presently living in Dubai as a Canadian Expat. Michelle says:. Nice thanks.
If the markets dropped mid-year, this Strategy Growth fund would rebalance: selling some bonds to buy into the cheaper stocks. If I use this option, which of the two small cap funds would you suggest? There are different tax rules in most EU countries and it does matter what fund domicile managed stock trading accounts what is x1 leverage in trading chose, e. I want to reinvest those dividends if and when I get them, but since I can afford admiral shares which have a lower ER than regular shares but are not commission free, I do not want to pay more in commissions than I save in ER! Your email ninjatrader an internal exception occured tradingview cqg demo will not be published. Please note that in a minority of cases there is a difference between the quoted ongoing charge for a fund's income and accumulation units. Honestly I cannot thank you enough for all the information you provide. I guess at the levels here, they are too high to make any investment worthwhile. Mind you, a lot of these funds are managed which I completely understand and agree is a rip-offbut if this is my only option, do you think it is worth it at all? It seems like I only need to re-balance my portfolio once a year. Google has Vanguard as their k provider go figure! My company recently added Vanguard institutional funds in Decand I immediately re-allocated my portfolio!
September 1, at am. This site uses Akismet to reduce spam. I have recently started a new job, and the employer is offering Lincoln Financial Group for their matched savings accounts. Those money market fund expense ratios. Why pay 3 times the expense for the investor shares? Absolutely love it all and have linked a bunch of friends too including my wife. Both of them by far offer the lowest expense ratios of the investments available at 0. I love to re-read them in order, but find that I have to click through the other interesting, but non-stock-related articles. It is reflected in your fund choices and the analysis of them. Still barely learning all this. Although it will lose ground to inflation over time. That tax treatment makes quite a difference. I know the management fees are higher using the Vanguard managed funds vs Vanguard ETF but found the idea of investing regular small amounts into multiple ETF and re-balancing required too much micro-management on my part a nice way of saying I am lazy. But since the expense ratio on VT is.
Hope this helps other people. But you might find it difficult to access such a USA-centric fund. But then, there are nearly as many different k plans as snowflakes. Especially to find an Index Fond for bonds is difficult for me. My consultant was fantastic and both educated me as well as put me on a plan and strategy that we feel comfortable with and we understand. I am 33 years old and have the same K portfolio options listed in the initial question. Even seemingly small ones can hurt your returns significantly over time. Young says:. Though my HSA has Vanguard funds available in it, for some reason, none of the ones available are the Total Stock Market Index in any of its various forms. May 4, at am. I am not American citizen but I am resident alien i. You just want to get close and for as little in fees and taxes as you can manage. Just keep maximizing your contributions as long as you. Very informative and eye opening article. As someone following your blog from Europe I would like to share a few day trading simplified download software forex mt4 details. Nice thanks. Short g7 forex trading system ichimoku cloud flip which e-series indexes would you recommend placing in each account?
August 20, Even if you are not an expat I think it still might be informative for you. Each of these funds come in other flavors. Notify me of follow up comments via e-mail. The problem is, how do I know if an index fund seems good…on any level? The Windsor I just dont know enough. But your question makes me tear my hair in frustration. If they offer the Vanguard fund you want, there is no reason not to invest in it. Great to be able to invest in it. I focused new money on the three funds I hold. And over the last 3 years VHY has been active, how to practice trading forex options auto bot trade on trendline trading cryptocurrency has returned Please note that in a minority of cases there is a difference between the quoted ongoing charge for a fund's income and accumulation units. I am 33 years old and have the same K portfolio options listed in the initial question. You can also modify your elections by accessing your account on vanguard. If so what type of bonds short duration?
What you are looking for is a broad based world stock index fund with the lowest cost you can find. Tenerife looks very cool and now, with your invitation, I just might have to make my way there. Hi — i am wondering if you are still answering questions in your blog. Income GBP. I contacted quite a few other brokerages in both the US and Canada and none were able to help me. Much of what the media has done with their "U. Is it enough that when prices drop my monthly investment will automatically adjust this balance by buying whatever has dropped if this is how it works…? The idea is that you get diversification and automatic rebalancing, but the ER expense ratio is a bit higher. I am in Mexico. If the market goes up, I need a steady income to pay my taxes the only other alternative is to withdraw money from my investments, to pay for my investments, which seems like a big no-no. To do otherwise would be a disservice to all my readers, international and domestic. Plus there is the added complexity of having to rebalance them to stay on target. You are at an emotional crossroads. Would be interested to hear your perspective on my strategy: I will be receiving an indexed DBB pension at Website Security. Also from Mrs.
The ones you describe are high for my taste. Consider first:. Those are done now. Very helpful addition to the data base here! I strongly suggest you carefully read this stock series or, for a more condensed version my book, to understand the why. May 12, at am. Having a hard time understanding the info i see over the internet here, i did find a vanguard site for sweden, however, they have nothing like the Vanguard Total Stock Market Index Fund, the closest is a european index fund with about different stocks. I have a 2 part question:. Keep in mind that we journalists are always looking for something to write. Thanks for making investment inspiring and easy. I do know where to invest it, we have something called Investersparkonto here in sweden. But then we would like to be FI before we hit the state pension age around Thanks for humoring me anyway! Some seem to have more fees is there a difference between custodian, admin and management fees? I am not sure if there is a local agent in Malaysia that I could go to, and yet enjoy the tax free on capital gains as in Singapore. The last time I posted about my money, my portfolio looked like this:. Help me understand why SCV is bad to have in a taxable account. Income Details Historic yield : 1. Not great, but acceptable. Just a quick question as I was reading your blog and checking out Vanguard I recently opened an individual non-retirement account with them.
The lowest is. I explained this all in my book, along with much. At the same time I want cryptocurrency exchange for us residents how to buy bitcoin online in us stay also in the US market. As you suspect, simply a name change. But even if it is, for all any of us know tomorrow it could shift into a fast and upward shifting US market. Charges: Citi bank commission: 0. The plan is to let the b keep building no more contributions after 62 for another 5 years or. Thanks in best medical device stocks tdamertrade self brokerage account for any thoughts or advice. Or this one? Move all to TIAA? And if I put enough money in over time to bump me back into the Admiral Shares category, is that transition easy? Can you or anyone of your readers offer some advice given the circumstances described? I can see why you are confused. I read with interest your article about dodging a bursting bond bubble so I will give that some thought as well when I get ready to reallocate my fund proportions. July 29, at pm. Please go with the non-hedged versions on both accounts. Thus keeping the allocation the. It has made me an indexer…and no longer a stock picker. Even the. Thank you once again for your great blog.
Now, my company is willing to front that money. No sense paying for them a moment longer. I could see some room to move here on the percentages. I was wondering — my company K is offered through Fidelity. There has been quite a bit of noise lately about the Canadian dollar going down as low as. No studies, after all, suggest that being precise with your allocations is any better than letting it drift a bit. Over on the Bogleheads forum, in response to a question, a guy called Nisiprius gives a great overview as to why this is so, right down to why the total market is preferable if available:. I've set up a financial plan, determined my estimated risk tolerance and an designed an asset allocation that I am comfortable with. I love to re-read them in order, but find that I have to click through the other interesting, but non-stock-related articles. Those money market fund expense ratios. Am I wrong in this observation? May 28, at pm. I don't see how this could happen since I would think that a CG dist would normally only happen if the fund was up on the year. I only write about those things I actually know about. I ask mainly because I am in your age bracket and will be making similar decisions when my wife leaves her job in 2 years. Guess who talked me into that? Consider that money. Thanks for your very kind offer. My brother and I considered cashing out the annuity to more closely follow the route outlined in your book, but the penalties, fees, and taxes were just a bit too high. First time commenter!
Thank you for any insights, suggestions, fingerwagging, hugs. Just a quick question as I was reading your blog and checking out Vanguard I recently opened an individual non-retirement account with. Thank you for the quick response! Gabriel says:. But I am not confident what to do. The overall picture is starting to become more clear. In fact, when thinking about your allocation, it is best to consider all your assets as a. I have a question, and am not sure that you still answer questions on this post but here it goes. I have read that perhaps US equity and international equity would be best highest dividend preferred stocks is tradestation free the TFSA due to their higher possibility of growth over the long term. Board index All times are UTC. It will serve you just fine in the meantime. I know what I need to do to cut expenses, etc, but my main query is regarding index funds. I'm happy to comment on your questions. Second, I have a couple of questions that you may know the answers to right off. May 10, at am. Vanguard has entities in many different countries and almost always has some sort of leverage for opening many positions forex top forex books of VTI and VT available. Compare Brokers. I am comfortable with risk and want to make my money work the hardest it can in nadex withdrawal fees strategies bitcoin timeframe.
My question is — as a Kiwi is an ETF through the Aussy Stock Exchange my best plan of attack to or is here an easier way or should I say more direct way that I have missed? For us europeans, would it be wise to invest in USD when we have the choice to go for a almost similar index fund in EUR? In return you get the lower ER. Right now my portfolio is small. Thanks for the great blog! May 11, at pm. Gabriel says:. It has an expense ratio of. Schwab offers some lower fee solutions no load index funds but I am not sure what I should do on that? You might have her email them and ask about it. I am totally new to the investing arena and your book has simplified thinkorswim study location monte carlo simulation after a backtest lot of things for me. But you should put that 50k to work. I have been ai trading stocks how do you trade commodities futures overseas pilot for about a decade .
Thanks as well for this very helpful public service you provide via this blog. This tax will almost wipe out the dividend you get from these funds and will became larger each year as my holdings grow. Now the market is doing some correcting. All I can offer you is some general guidelines at to what I in your position would be looking for, and that would be something that closely matches this:. I am new to your blog, and have enjoyed reading random posts. It later occurred to me that two other bloggers have published posts linking to all the stock series, at least all as of the date of their posts:. Hi Jim, Thank you for all your insights! Thank you for another helpful post. May 12, at am. Information correct as at 30 June Because these are all in a b there will be no tax consequences. I keep on telling my family and friends the same — no one can time the market. Dividends enjoy favorable tax treatment. For dual priced funds the difference between the buy and sell price is made up of the initial charge and other costs e. Well I hope you can help me with a couple of them:. The last time I posted about my money, my portfolio looked like this:. Also available as income units. They're headed to Hong Kong soon, so why not here? At the age of 56 a few months ago I opened Vanguard accounts in total US bonds, total international stocks and total US stocks, in a ratio of respectively. Anyone have any thoughts on what is the ideal deposit rate to keep brokers fees as low as possible?
Ordinarily, I advise rolling into a IRA with better fund choices as the choices in many K plans is wretched. So I just wanted to thank you for all of this useful information, I think once I get a handle on the language and the info it will help me out so much and get a better paying job. But you should put that 50k to work. Would that make it a good choice to DCA until you get about 10K worth to shift to the admiral shares? Yes, my wife is still a US citizen and she already has some funds at Vanguard. You misunderstood me, i thought of only buying every second month to keep the brokerage fees down. Also, do you just accept the foreign exchange risk NZ dollar weak against AUS recently or do you go about it some other way? Would it be before or after deductions? The markets are a lot cheaper today than they were for most of the s. What a great blog!