As a Swiss resident I am able to purchase VT on IB. As a non-US person I can reduce tax on dividend income at the broker level by filing a W8BEN. More tax withholding can be reclaimed by filing a DA-1 with Swiss tax authorities. Details have been discussed ad nauseum in various threads on this forum.
Somewhat separately and assuming that we can still buy US ETFs in 2020, I really like AOR as a simple all-in-one-ETF (60% stocks 40% bonds), fair TER and decent yield. It requires no rebalancing and is globally diversified.
They also have a more conservative/ aggressive version:
Well AOR also captures non-US Bonds and Small Cap. So would need to rebalance at least 3-4 ETFs. In the accumulation phase it is also a lot easier to keep buying monthly a single ETFs. Fewer transactions and thus lower cost.
FYI VT has small cap, and I don’t think the international bond should change the expected returns since it is hedged to USD (which is another potential issue but that’s orthogonal).
Fair point – don’t get me wrong, I love VT and the fact that Vanguard keeps dropping the fees. At the same time I also love simplicity of buying just one ETF every month.
Is there any news on if IBKR will keep US ETFs for us?
1 Like
By reading and partipating to this forum, you confirm you have read and agree with the disclaimer presented on http://www.mustachianpost.com/
En lisant et participant à ce forum, tu confirmes avoir lu et être d'accord avec l'avis de dégagement de responsabilité présenté sur http://www.mustachianpost.com/fr/
Durch das Lesen und die Teilnahme an diesem Forum bestätigst du, dass du den auf http://www.mustachianpost.com/de/ dargestellten Haftungsausschluss gelesen hast und damit einverstanden bist.