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Great, thanks a million. Will have a look.

Hi all. I'm with II Ireland currently and also received this note about the platform being absorbed into II UK. The monthly charge is certainly a pain because effectively, to date, II Ireland has effectively been free of maintenance fees. There used to be a quarterly fee on TD of 50 EUR per...

Hi there, I might be able to help you here. There are a few different factors in play across these 3 products: - CRPU is an accumulating ETF while CRPH and CRHG are distributing meaning CRPU will retain and reinvest any income so if the yield is e.g. 2.5%, over a year, all else being equal...

We currently have a variable rate mortgage with AIB (<= 50%, 2.75%) but we were looking at moving on to AIB's new 5 year fixed "green" mortgage. The only thing holding me back currently is the inability to make overpayments. In the literature that AIB sent out, the formula for calculating the...

Hi LingoPhil, I wanted to add a couple of suggestions for a "lazy" (not necessarily "3") fund portfolio. First of all, there are a few wikis on Bogleheads aimed squarely at those investing from the EU so definitely digest those to see what others are doing. Secondly, great that you're starting...

None of Vanguard's ETFs (in the UK or the US) reinvest dividends unfortunately. You could use a couple of Vanguard mutual funds to get that exposure - or you could buy SWDA from iShares (it's an all-world ETF but it tracks Morgan Stanley's index rather than FTSE's). The iShares option is...

I would say that's referring to Euronext office locations but exchanges are in Amsterdam, Brussels, Lisbon, London and Paris to the best of my knowledge. If you're buying a Vanguard UK product, you won't get wrapped up in any US exchanges / estate taxes etc.

You'll be ok with that one. It's traded on NYSE Euronext.

Generally, a fund wouldn't engage in currency hedging unless it's explicitly mentioned in the fund name/fact sheet. You'll often find that hedged ETFs have a higher TER which, as you say, will affect your return significantly over the long run. To see the difference, look at IUSE:LN versus...

Yup, he's exactly right. In his example, he's saying if you converted your funds back to USD, you would be in the same position - true (and that's the same in the example I posted earlier, i.e. in either scenario, you have 300 USD). But, the point is it's not the same in EUR because of the FX...

It's tricky enough pulling all the data together. You can use the Compare functionality on Google Finance or Bloomberg (limited to 3) or Morningstar have some great portfolio tools available. VUSA:LN gained about 8.2% over the last month which would make sense given VOO's performance (+3.17%)...

I'm not too sure about the estate tax, Marc might have the answers on that one. Generally, because of the estate tax and the dividend withholding tax (even at the lower rate of 15%) mean you are generally best avoiding US based funds. If you're buying something broad, you'll find the same...

If you take the following example: In Nov '09, 1 EUR buys $1.50. Let's say you buy 100 units of a EUR exchanged, USD based fund @ 1 EUR, and 100 units of a USD exchanged, USD based fund @ $1.50. 100 x 1 EUR = 100 EUR 100 x 1.50 USD = 150 USD Let's say then over the next few years, the...

Marc is right when he mentions those differences but the overwhelming difference in returns will be the change in EURUSD. As you say, VUSA is bought in EUR while VOO is bought in USD. If you overlay a chart of VUSA, VOO and EURUSD, you'll note how VOO and VUSA diverge perfectly as the EUR...

Hi noelfitz, without knowing anything about the 2 funds that you mention, the "Acc" at the end of the first one usually means it's capitalising/accumulating so it's doubtful you'd receive any dividend income off that. With regard to the second ETF, Deutche Bank's products (db x-trackers) tend to...

EIRL from iShares (US) tracks the ISEQ - costs are 0.49%. You have to fill out your W-8BEN form (unless you're a US resident) but it will replicate the ISEQ well.

Hi Evan, I'm not familiar with Bridgewater Hall itself but there is a Dublin bus garage in Summerhill that gets noisy at night so not ideal from a rental perspective, just something to bear in mind. It backs up the point about visiting the area day and night. As @oldnick says, there are great...

Very good! You have a typo though "W17H 0U7" -> "W17H0U7"!

From a purely numerical point of view, daft seems to be the word of choice but @dustie, I'm inclined to think you should save or invest it. I've had a balance on my credit card since before I can remember and whenever a lump sum (irrespective of size) presents itself, I always save/invest rather...

Yes, you can buy EUR denominated ETFs through TD. It all depends on the base currency of the ETF, lots of iShares ETFs on the UK LSE are Euro-based, e.g. SEUA, IDVY, IUSE &c. If an ETF isn't based in Euro though, you won't be able to use Euro to buy it. Well, you can, but you shouldn't, because...