dreamer101, r u cfa certified professional?

      ii) If you band (5/25) based re-balancing, you should adjust your band wide enough so that it only do re-balancing once or twice per year.

Folks,

Somebody want to a dumped down simplified step to this approach.

1) Save 3 to 6 months of expenses as Emergency Fund.

2) Save at least USD $2,000

3) Use the USD $2,000 to open an US Brokerage A/C

4) Use USD $1,000 to buy BND and USD $1,000 to buy VT.  We are using 50/50 ratio

5) Save USD $2,000.

6) Transfer the money to US brokerage A/C.

7) Use the USD $2,000 to buy BND and VT.  Buy them at different amount so that they stay at 50/50.

    For example, if BND worth $250 and VT worth 750, use the new $2,000 to buy $1,250 of BND and $750 of VT.  You will ended up with $1,500 of BND and $1,500 of VT.

8) Go back to (5)

You can continue this forever.  After your portfolio reach USD $10K, you may want to do annual re-balancing.  That means you sell either sell BND to buy VT or sell VT to buy BND.  Basically, you sell whoever is more  than 50% of your portfoli to buy whoever is less  than 50% of your portfolio.  To save cost, if the difference is less than 2K, do nothing.

Dreamer

guys, its actually pretty easy to invest in oversea. doesnt need to use our local bank to invest. jus use wire transfer / telegraphic transfer to oversea investment bank / broker. jus make sure its regulated.

jus need to fill in few forms n photocopy utilities bill n ID n etc. but usualy  there is certain minimum capital needed in order to open acc.