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Hi Patrick, for a friend that is able to invest from a US account, what Vanguard ETF would you recommend that is all world?
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Shares / Re: Financial independence - Calculator ( Covering TFSA / Equity and RA)
« on: September 27, 2018, 09:58:31 am »
Thanks, this is amazing ! I know on the Fat Wallet show they are waiting for someone to do this, but here it is. Fantastic work.
I have a rental property which I wish to payoff before retirement that can act as part of my income, would be great to include this. (Yes I know the stats re buy-to-let, but this is a convenience thing as well, to have a place in the city if I want to move out to farm at some stage)
Thanks again for the hard work and the updates!
I have a rental property which I wish to payoff before retirement that can act as part of my income, would be great to include this. (Yes I know the stats re buy-to-let, but this is a convenience thing as well, to have a place in the city if I want to move out to farm at some stage)
Thanks again for the hard work and the updates!
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Shares / Re: Offshore broke4s
« on: September 26, 2018, 10:32:22 am »
Hi all,
I'm new to the the investor challenge, but have listened to a lot of the Fat Wallet Show ,and been reading Patrick's blogs. I have a Euro bank account and have been looking for the most cost effective way to invest in global ETF's. I finally got the De Giro recommendation through Patrick's blog and these discussions and have successfully opened a CUSTODY account with them.
They allow 1 ETF purchase per month free of fees, and after that the fees are pretty low anyway. So my plan is to buy the Vanguard FTSE world monthly. I think this is the Ireland domiciled ETF, which Patrick recommends and has a 0,25% fee. No monthly account fees for De Giro and if I stick to the plan no broker fees, amazing!
My only concern is I don't know much about EU legislation and how De Giro handles shares. If De Giro goes bust, what is my country party risk? Vanguard physically holds the shares in my name right?
Also, I presume I need an additional will, but should that be in the domiciled country of the ETF (Ireland), or of the Broker (Netherlands or Ireland) or of my EU bank account (Germany) ?
Others who have their ETF's with De Giro, are you confident with your money sitting over there on the other side of the world? Still coming to terms with offshore investing.
Also I read somewhere that De Giro do Crypto.. I wonder if I can deposit Bitcoin and sell it and buy ETFs....
I'm new to the the investor challenge, but have listened to a lot of the Fat Wallet Show ,and been reading Patrick's blogs. I have a Euro bank account and have been looking for the most cost effective way to invest in global ETF's. I finally got the De Giro recommendation through Patrick's blog and these discussions and have successfully opened a CUSTODY account with them.
They allow 1 ETF purchase per month free of fees, and after that the fees are pretty low anyway. So my plan is to buy the Vanguard FTSE world monthly. I think this is the Ireland domiciled ETF, which Patrick recommends and has a 0,25% fee. No monthly account fees for De Giro and if I stick to the plan no broker fees, amazing!
My only concern is I don't know much about EU legislation and how De Giro handles shares. If De Giro goes bust, what is my country party risk? Vanguard physically holds the shares in my name right?
Also, I presume I need an additional will, but should that be in the domiciled country of the ETF (Ireland), or of the Broker (Netherlands or Ireland) or of my EU bank account (Germany) ?
Others who have their ETF's with De Giro, are you confident with your money sitting over there on the other side of the world? Still coming to terms with offshore investing.
Also I read somewhere that De Giro do Crypto.. I wonder if I can deposit Bitcoin and sell it and buy ETFs....
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