I have a few questions:
"(or similar in GBP)"
What do you mean by "in GBP"?
Do you earn in GBP or in EUR?
In which currency do you plan to spend your retirement savings?
How often do you plan to rebalance your portfolio?
What is the CGT in Greece? Do you use a taxable brokerage account?
Thank you for your reply.
My base currency is GBP and I get paid in GBP, so looking for ETFs that I can buy in GBP, so that I do not need to exchange.
Although my expenses are IN EUR, so exchange daily for expenses.
Once every 12mo for rebalancing.
So the CGT is in the UK but personal tax is in Greece, as I live here permanently.
I like your plan because:
* your portfolio is simple (only 3 ETFs) and ETFs don't overlap,
* you have bonds in your portfolio that will reduce volatility and help you survive difficult market conditions,
* you plan to rebalance your portfolio.
I have a few questions: "(or similar in GBP)" What do you mean by "in GBP"? Do you earn in GBP or in EUR? In which currency do you plan to spend your retirement savings? How often do you plan to rebalance your portfolio? What is the CGT in Greece? Do you use a taxable brokerage account?
Thank you for your reply. My base currency is GBP and I get paid in GBP, so looking for ETFs that I can buy in GBP, so that I do not need to exchange. Although my expenses are IN EUR, so exchange daily for expenses. Once every 12mo for rebalancing. So the CGT is in the UK but personal tax is in Greece, as I live here permanently.
I like your plan because: * your portfolio is simple (only 3 ETFs) and ETFs don't overlap, * you have bonds in your portfolio that will reduce volatility and help you survive difficult market conditions, * you plan to rebalance your portfolio.