tag:blogger.com,1999:blog-2875915890415125655.post1705482596801547615..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: 2017 HYP ReviewRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-2875915890415125655.post-42382850599842687892018-01-13T11:39:30.534+00:002018-01-13T11:39:30.534+00:00> the juice isn't worth the squeeze for the...> the juice isn't worth the squeeze for the HYP. KISS and all that?<br /><br />perhaps you wouldn't start from there but I have a HYP which has similar things to RIT, though I started builting the HYP between 2009 and 2011. The less volatile/steady income is comforting as you get closer to the point where you start thinking "I might need to live off this". That has a certain erminehttp://simple-living-in-suffolk.co.uknoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-74230390047481485062018-01-09T10:23:25.745+00:002018-01-09T10:23:25.745+00:00Useful article in as much as it shows the juice is...Useful article in as much as it shows the juice isn't worth the squeeze for the HYP. KISS and all that?The Rhinohttp://www.thenewrhino.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-1261559287680856312018-01-08T21:29:53.248+00:002018-01-08T21:29:53.248+00:00Maybe that's the answer. Live on a boat! 😀Maybe that's the answer. Live on a boat! 😀Fatbritabroadhttps://www.blogger.com/profile/06871826178428980655noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-6130579085514657522018-01-07T13:20:36.261+00:002018-01-07T13:20:36.261+00:00I 100% agree that tax should not wag the where to ...I 100% agree that tax should not wag the where to live dog. That said it is a couple of lines in our Pugh matrix as less tax leaves more discretionary spending/lower draw down depletion risk in the event of a poor sequence of returns.<br /><br />Understand what you mean when you say Spanish culture/way of life and we have never lived anywhere Spanish speaking.<br /><br />Would be genuinely RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-90332624984777654772018-01-07T11:35:34.481+00:002018-01-07T11:35:34.481+00:00Hi and thanks for the feedback. Tax mitigation is...Hi and thanks for the feedback. Tax mitigation is an issue but we have already committed to Spain as we both speak Spanish and have lived in Spanish speaking countries for over 20 years so very familiar with the culture and way of life. We didnt want to choose a country purely on financial reasons and then find out we don't like it. We love the Spanish culture and way of life.<br /><br />Anonymoushttps://www.blogger.com/profile/15800206204739403867noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-64884754428227062362018-01-07T09:56:38.140+00:002018-01-07T09:56:38.140+00:00Yes I have looked at this and unless you're a ...Yes I have looked at this and unless you're a 'Bargain Loving Brit in the Sun' it's going to sting. My understanding is that the first EUR6,000 of my investments will be taxed at 19% which then rises to 21% up to EUR50,000. I believe there is a personal allowance of EUR5,550 which takes some of the sting out but I don't have definitive answer that it's applicable to RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-80022565317681984672018-01-07T08:30:43.477+00:002018-01-07T08:30:43.477+00:00Hi,
Hav you looked into the tax implications of r...Hi,<br /><br />Hav you looked into the tax implications of retiring in Spain when you start drawing down your pension? I am also planning to move to Spain and it seems I will have to pay income tax there on whatever I take out per month. One option I was advised about was having my stock market investments in a spanish compliant bond wrapper - have you heard of those? Here is a link to some Anonymoushttps://www.blogger.com/profile/15800206204739403867noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-9000663678306372782018-01-06T18:09:10.755+00:002018-01-06T18:09:10.755+00:00When I first started investing I bought a diversif...When I first started investing I bought a diversified ETC which 'held' precious metals, oil, grains, livestock etc. It was also a x2 fund as I thought I was going to be clever and ride the commodities bull. It was a big learning as it turned out what I was buying was "a 'leveraged' exposure to a total return investment in commodities futures contracts". Not quite whatRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-71359259546301317582018-01-06T16:13:44.871+00:002018-01-06T16:13:44.871+00:00"low expense, physical (as opposed to synthet..."low expense, physical (as opposed to synthetic) ... ETFs tracking enough indices ..."<br /><br />I'd like to invest/speculate in agricultural commodities. Presumably the relevant ETFs are all synthetic? I don't imagine that any ETF owns silos full of grain, do they?deariemenoreply@blogger.com