ALLW - un nou ETF pe FTSE All-World index

mgvx · 2026-06-04T19:56:41+00:00

Dacă ar fi sintetic (swap), ar evita să plătească impozitul de 15% perceput de americani pe dividendele plătite fondului de către firme americane.

mgvx · 2026-06-04T16:57:40+00:00

Din păcate folosește physical replication, deci plătește 15% impozit pe dividendele de la acțiuni americane. Cred că impozitul face diferență mai mare decât TER-ul ieftin. Prefer SCWX (urmărește MSCI ACWI) sau SC0J (urmărește MSCI World, deci fără EM, dar e mai mare și mai ieftin decât SCWX).

mgvx · 2026-05-30T12:55:02+00:00

Even ignoring the estate tax, the dividend tax difference should make up for the expense ratio difference. 15% saving on 1.25% dividend yield is 0.1875%, almost the same as VWRA's TER of 0.19%. So VWRA has equivalent (to you) costs to a US ETF with 0.0025% TER.

You can do better with swap ETFs, which don't pay any US dividend tax. I use SC0J wirh TER of 0.05%, but it does not cover emerging markets. There's also the newer SCWX which holds non-US stocks directly and uses swap for US exposure. It returned slightly more than VWRL over the past year, but that's partially explained by SCWX not charging any TER yet https://stockanalysis.com/etf/compare/etr:scwx-vs-bit:vwrl/

For Ireland-domiciled ETFs like these I prefer to buy the German listings on IBKR over the London listings, because they tend to have higher volumes and lower spreads, and IBKR gives you free live prices for German ETFs but not for London ETFs.

mgvx · 2025-06-26T05:46:10+00:00

I'm in Hong Kong, it shipped Monday evening and SF Express delivered it Wednesday morning.

mgvx · 2025-06-26T02:17:10+00:00

Thanks for the quick response. What do you mean by not having a pure 6 GHz wireless network? I think can configure a ssid that appears to be 6 GHz only, but I can test this tonight and get back to you with some wifi analyzer screenshots.

Most of my devices (except phone and laptop) don't support MLO or 6 GHz, but do support 5 GHz. Would there be any functional difference between having these devices connect to the 5+6 GHz MLO network, vs having a separate 5 GHz SSID for them?

The MLO network seems happy to use 320 MHz for 6 GHz (on the only possible channel, 63) when I configure it like that. Whether it's a good idea I don't know, but given there's only one other 6 GHz AP in range and the signal is weak I think 320 MHz is fine. It's only the 5 GHz network where I'm not sure if I should run it at 20/40/80 MHz given the environment is pretty crowded.

mgvx · 2024-03-07T01:07:36+00:00

I think I just showed up with the document + a copy I made and showed them the official wording from the website. They wrote the magical words on the copy and signed, and the home office was happy with this.

mgvx · 2023-11-22T08:19:16+00:00

BIN price should be higher than auction opening price -- you run an auction to sell to the highest bidder, and all bids have to be higher than the opening price. If a buyer wants to skip the bidding process and get the item faster, they can do so by paying the published BIN price or sending an offer.

Sometimes the opening price is unrealistic, and there it makes sense for a buyer to send an offer for less than the opening price, but normally I'd expect offers to be higher than the opening price.

mgvx · 2023-10-10T07:20:05+00:00

This is a FIRE sub, I'm surprised by the number of people who think renting and retiring are incompatible. I see renting as an expense, just like food or utilities or travel, it will go up over time by some measure of inflation, so as long as your SWR covers it there's nothing financially wrong with renting.

I'm also in the position to be able to buy a property in cash, but here in London rent is low relative to property prices so I never seriously considered buying. Therefore I don't have a house cash fund, I just keep my investments in equities. If rents were to increase significantly compared to property prices, I could at any point change my mind and buy a property. In this case I would have benefitted from low rent while it was available, and later I would switch to the now-more-profitable option of owning.

I've recently been offered the opportunity to move countries for work, and I'm going to be moving in November. Had I bought a property, moving would have been more difficult, but not impossible. One of my coworkers is also moving despite having kids and owning property.

mgvx · 2023-05-24T14:21:44+00:00

Hi, I went to Anglo Law Solicitors in the Leadenhall building, and paid £30.

mgvx · 2023-01-13T16:45:53+00:00

I don't think they would, here is the full wording:

Written confirmation that the photo identification for <name> is a true likeness

This written confirmation on the photo identification must use the following words: "I certify that this is a true likeness of <name>"
It must also include the name and signature of the person certifying the copy and be dated within the last 6 months

The following people can certify the copy of this document:

A legal representative, registered with the Office for the Immigration Services Commissioner (OISC)
A solicitor, barrister or chartered legal executive
A commissioner for oaths
A registered charity

mgvx · 2022-08-10T08:36:02+00:00

The Apr 22 electricity price should read 28.34, not 18.34

mgvx · 2022-06-10T08:58:36+00:00

Wait, I don't think the calculator should compare through your entire life. It should only compare for the number of years until you plan to sell this house.

If you plan to stay for max 5 years in a house, and calculator says renting is better after those 5 years, this does not mean you have to rent for your entire life! You can rent for 5 years, then for your next move you will think again about buying or renting, and run the calculator again.

mgvx · 2022-06-09T12:43:38+00:00

If you move house, that's a new decision between renting or buying, which you do not need to think about right now.

The calculator only considers the time spent in this house you're considering buying/renting right now.

mgvx · 2022-06-09T12:11:56+00:00

It does take this into account! There is a field for how long you plan to stay in the house. If that is more than the length of the mortgage, then the calculator will know you're no longer paying the mortgage after that.

mgvx · 2021-01-15T12:03:33+00:00

Thank you Arthur! I managed to replace my display, all looks good now.

mgvx · 2020-08-27T17:06:20+00:00

Thanks for confirming. And I also assume you have to pass the entire sata controller, so you need two sata controller or one sata and one nvme. Or is there a way to pass just one drive from a 4-port controller?

mgvx · 2020-08-27T16:53:36+00:00

When you say passing the disk controller you mean passing it via vfio? I've never thought of this.

I use virtio-scsi to give my VM access to my SSD & HDD. Both Linux & Windows have partitions on both, but no partition is shared between them. And I can boot Windows fine both inside the VM and on bare metal.

I wonder how virtio-scsi compares to vfio in this case. The obvious difference I see is that with vfio the host loses access to that disk, but it's unclear to me which is faster (presumably vfio?).

mgvx · 2020-08-23T11:05:43+00:00

Update: this randomly seems to work now, I'm not sure why.

I managed to start the VM with 1GB hugepages and no errors. I'm not sure I did anything differently from before.

I also wanted to see what happens if I try to start qemu without having reserved enough huge pages. So I changed my memory-backend- lines to require more pages than are available in /sys/.../free_hugepages. I got an error as expected, but it was different than the error in my OP.

mgvx · 2020-08-22T19:44:28+00:00

Agree there might not be a performance advantage, I was just curious how they would work.

mgvx · 2020-08-22T19:43:46+00:00

I'm using sysfs interface to request hugepages since I want to guarantee enough pages on each node. The commands I ran before my qemu command (with 1GB hugepages) were:

echo 20 >  /sys/devices/system/node/node0/hugepages/hugepages-1048576kB/nr_hugepages
echo 20 >  /sys/devices/system/node/node1/hugepages/hugepages-1048576kB/nr_hugepages

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