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All about ETFs / Foreign Brokers, Exchange traded funds
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jas029
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 Nov 9 2020, 04:42 PM
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QUOTE(TOS @ Sep 24 2020, 10:29 PM) Have you checked out the Accumulating option VUAA? I have been tackling this for some time too. But due to Brexit, not sure how UCITS regulation will be affected. Things are a bit fluid for the UK now. bro, since there are no distribution for VUAA, does the accumulated dividend subject to the 15% withholding tax as well? |
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jas029
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Nov 11 2020, 02:53 PM
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QUOTE(TOS @ Nov 9 2020, 04:51 PM) Yes, dividend paid out of company already net of the 15% WHT, even though you don't get any "dividends from fund". So, the "reinvested/accumulated dividend" is net of 15% already. ok thanks with the info.. also with the accumulated dividend, will we get extra units/shares after the payout/reinvestment? |
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jas029
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Nov 11 2020, 04:30 PM
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QUOTE(TOS @ Nov 11 2020, 04:03 PM) No extra units/shares, since dividends already accumulated via increase in NAV per unit, it's factored in. Since no distribution, that means only NAV increase, you count your returns by comparing earlier NAV and final NAV to determine your return, easy and straightforward. ok got it  thanks for sharing |
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jas029
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Jun 16 2021, 11:49 AM
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QUOTE(roarus @ Mar 2 2021, 08:45 PM) I think my PRS mandate of Asia Pac is good enough to cover Greater China i.e. inclusive of Hong Kong, Taiwan and some say Singapore Half of IWDA is already CSPX. It's really up to one's bet if USA will continue to outperform the rest of the world, if you want to follow market cap weightage strictly then go for VWRD/A. Otherwise you tweak about and get more of different regions e.g. China/Europe/Japan by adding region/country specific ETF to the mix. For me, my long term ETF before gliding to retirement is just IWDA (equity) and LQDA (bond) with regards to IWDA, or another popular choice VWRA, do u opine that the allocation skewed quite heavily towards the US? for one who wish to diversify broadly, and does not yet hold any other investment assets targeting different regions, would u advise to add in another ETF (say emerging market like EIMI or VFEA/VDEM) to the mix so as the balance out the aforementioned skewed? this way, it also allow certain flexibility as one can choose how much percentage to allocate into each ETF based on their risk preference |
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jas029
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Jun 17 2021, 08:56 AM
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QUOTE(roarus @ Jun 16 2021, 08:29 PM) Depends on individual actually, allocation by market cap like VWRA for auto cruisers. If want to punt can overweight regions by combining a few ETFs (or just 2 like IWDA+EIMI with slight overweight on EIMI). Don't end up buying everything and getting bogged by brokerage though. exactly.. i've seen a 6-7 funds portfolio, which surely cover most of the areas and as diversify as it can be, the amount of brokerage accrued were quiet significant as well.. nothing wrong with such portfolio though if one is experience enough to handle it.. probably for starters or those in the initial phase of their investment, a simpler 1-3 funds portfolio might be more suitable.. then slowly builds up from there so i see u're also in the opinion that it depends on the individual and it's fine as well to include an additional ETF into a world ETF such as IWDA/VWRA (just try to avoid any overlapping whenever possible).. in short, simply holding only one of IWDA or VWRA is actually not as diversify as one would have hope, as there's actually concentration risk towards the US |
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