it's ok.. u'll still get the cash and chance to invest into something else.. who knows it'll turn out to be a much better one

should've put a disclaimer, i am not holding any of BPY

just sharing a general understanding of it.. hopefully can assist u in one form or another

VWRA sure is popular among non-US investors..

however, i feel the allocation is too heavily skewed towards the US market.. the OCD in me would prefer a more balance allocation

actually there are, indeed, other choices.. as explained by @polarzbearz below.. in fact, we can even exclude VWRA altogether and mix-n-match a certain developed market + emerging market to gain greater diversification, as well as the freedom to allocate the percentage truly based on our own risk appetite

that said, it's all about personal preference

exactly

This post has been edited by jas029: Aug 13 2021, 10:38 PM

with regards to this ACH deposit, i assume u're using ur USD balance in Wise and from there, do a local ACH transfer into IBKR? and may i ask have u been depositing using this method for a considerable period already?

if so, i somewhat remember there's someone posted in here as well that IBKR sent him/her an email reminding not to deposit USD using an account not under his/her own name (we all understand quite well the multi currency account we're holding in Wise is not actually under our own name)..

so i wonder if this is a one time transfer, probably it will just go through.. but if repeated using, will it trigger the attention of IBKR and they will subsequently remind not to do so like the above mentioned user?

of course if u've been using this method all these while already and there are no rejection from IBKR or whatsoever, then really grateful to u for sharing this finding of urs

seems like what u did there was slightly different from Ziet's video.. upon closer look, after navigate to deposit page, he has additional option called 'Direct ACH Transfer from you Bank' but u don't have this based on ur screenshot (i've no idea why is this so, probably u've just joined ibkr while he's been using it for long)

it also seems like what u actually did was chosen 'Connect Your Bank via ACH' instead.. this option is no longer viable as it requires login to online banking of their US bank account for verification.. most of us here probably don't have a direct US bank account, so if u don't have one as well, this deposit option is basically not usable..

i guess what u can do instead, still following Ziet's video instruction, is to initiate the fund transfer in Wise.. after u have top-up ur USD wallet/balance there, do a 'Same currency' transfer to ibkr.. this is a local ACH transfer type as well.. the rest of the procedures will be exactly as shown in the video.. though it's compliance using this method, there are users who shared they received verification requirement email from ibkr after long using this deposit method (as the borderless account u're transferring from is not actually under ur own name).. i guess if u keep ur fund transfer documentation in proper, shouldn't be a problem in case they asked

this account connect option where they make small deposit and withdrawal for verification is no longer possible i think.. eversince they refreshed their deposit option to require login to online banking, newer users are not able to connect their Wise account with ibkr anymore unfortunately

yea.. since last year already cannot i think.. it was a bummer

since u had mentioned, i assume u would have already connect ur Wise with ibkr.. have to cherish it hehe.. i think it's an even more cost saving method than direct ACH transfer from Wise to ibkr.. plus only need to initiate deposit from ibkr side and it will auto deduct from ur Wise balance

yes the upper option is the one used in Ziet's video if that's the video u meant.. the end of this navigation is just an instruction in how to ACH deposit USD into ur ibkr account.. there are no linkage of accounts or any sorts for this option..

speaking about linkage, do u mean the lower option in ur screenshot? if so, it's available to anyone with an ibkr account.. feel free to click on it to explore.. just that, for those that doesn't have US bank account, they wouldn't be able to proceed any further at the stage when prompted to login their respective US bank's online banking

i would term the first option as more like our local duitnow transfer but with fees hehe.. there are fees when sending fund from Wise to ibkr am i correct?

on the other hand, for those manage to link up their accounts, the mechanism is actually the other way round.. deposit is initiated in ibkr instead (don't have to do anything in Wise apart from making sure ur USD balance is sufficient).. fund will then be deduct from ur Wise balance.. there are no fee charges at all here

nice.. since u have US bank account, then all is good.. connect directly, less complication

hi.. mind to share the full version for ireland tax heaven? thanks in advance

trillions - got the softcopy? hehe