u/The-Good_Life

I'm not American and dont live in the US. However, my wife is American, (but not a US resident).

I recently learned that upon my passing, all of my US domiciled equity holdings in VOO will be subject to US estate taxes before they are given to my wife! I'm annoyed I didnt know this already, but glad I found out before its too late!

It seems I can bypass this liability by moving into non-US domiciled etfs, such as VUAA. I also learned that i can lower my dividend taxes from 30% to 15% in non-US domiciled funds?

However it seems that the expense ratio of these ETFs is much higher at 0.07% as compared to 0.03% for VOO.

First, if my understanding above is wrong, please let me know.

And then, does anyone have a better product/solution for lower fee non-US domiciled etfs?

Thanks!

I'm not American and dont live in the US. However, my wife is American, (but not a US resident).

I recently learned that upon my passing, all of my US domiciled equity holdings in VOO will be subject to US estate taxes before they are given to my wife! I'm annoyed I didnt know this already, but glad I found out before its too late!

It seems I can bypass this liability by moving into non-US domiciled etfs, such as VUAA. I also learned that i can lower my dividend taxes from 30% to 15% in non-US domiciled funds?

However it seems that the expense ratio of these ETFs is much higher at 0.07% as compared to 0.03% for VOO.

First, if my understanding above is wrong, please let me know.

And then, does anyone have a better product/solution for lower fee non-US domiciled etfs?

Thanks!

I'm not American and dont live in the US. However, my wife is American, (but not a US resident).

I recently learned that upon my passing, all of my US domiciled equity holdings in VOO will be subject to US estate taxes before they are given to my wife!

I'm annoyed I didnt know this already, but glad I found out before its too late! It seems I can bypass this liability by moving into non-US domiciled etfs, such as VUAA.

I also learned that i can lower my dividend taxes from 30% to 15% in non-US domiciled funds?

However it seems that the expense ratio of these ETFs is much higher at 0.07% as compared to 0.03% for VOO.

First, if my understanding above is wrong, please let me know.

And then, does anyone have a better product/solution for lower fee non-US domiciled etfs?

Thnaks!

Wife and daughter bailed so its just my son and I and we now have 2 extra Category 1 seats.

This is Haaland's World Cup debut match and will be in Boston on June 16th at 6pm.

Section CL7 in Row 10. Great views and sitting above the team benches.

I got them for $500 each and willing to sell for $300 each.

Or we can do a transfer in advance if that works.

We can meet in Boston anytime from the 13th and do the sale.

Or, I can meet you at the stadium (my son and I have the seats next to you) and do cash on the spot.

Thanks

45 Male - only started investing 2 years ago. No plans to retire/FIRE/etc.

Current portfolio:

$4 million in S&P 500

$1 million in cash (earning 5%)

Given the market's performance, obviously this has worked really well for me over the last 2 years. However, like many I am considering my options in case of a market crash/correction.

I see 3 options:

Option 1

Invest the remaining $1 million and let the market do its thing. I'm not concerned about volatility and don't need the cash.

The logic here is that the market is regularly at ATH and clearly I believe in the S&P. So keep investing and tune out the noise/drops.

Option 2

Wait for the dip which "has to be coming".

Logic here is that I continue to accumulate cash and buy at a better price, when it dips. But who knows when this will happen and what my entry price will be relative to today.

Option 3

Invest the available cash now and if the market drops more than 10% then buy additional shares on margin.

Logic here: its allows me to basically do Option 1 now and also Option 2, if the market dips.

I have never used margin and I (somewhat) understand the risk. However, I should be able to generate $1 million in additional cash per year, so any margin taken can be covered in a year or two.

Option 3 seems the riskiest but also makes the most sense to me, somehow.

However, as mentioned in the start, I'm fairly new to all this so please let me know if i have some serious flaws here.

Thanks!

My wifes father is 2nd generation (minor case).

Would we able to file for him to get citizenship and then use that to help my wife get it?

Feeling shitty after the news today and wondering if there are any other options.