Difference between revisions of "Outline of non-US domiciles"
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This article contains details specific to global investing. It applies to non-US investors, United States (US) investors, and US citizens and US permanent residents (green card holders) living outside the US.
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Revision as of 12:38, 1 August 2020
This article contains details specific to global investing. It applies to non-US investors, United States (US) investors, and US citizens and US permanent residents (green card holders) living outside the US.The following outline is provided as a topical overview of non-US domiciles:
These articles address Bogleheads® investing for individuals living and investing in countries other than the United States (US).
- For an introductory outline of this topic, see: Investing from outside of the US.
- For information on how to ask for advice on your portfolio, see: My portfolio: seeking advice.
- For a stepwise approach to your investing journey, see: Bogleheads® investing start-up kit for non-US investors
Non-US domiciles applies to US nonresident aliens, and also to US citizens and US resident aliens (that is, green card holders) living outside the US. A nonresident alien is someone who is not a US citizen or resident. US citizens, resident aliens and residents are known collectively as US persons.
Before investing:
Pay special attention to the section on Tax issues highlighting the impact of US tax legislation even on investors domiciled outside of the US.
- For nonresident aliens: The US has harsh tax rules for US assets held by foreigners, some bordering on confiscatory. It taxes dividends paid by US stocks and US domiciled ETFs to foreigners at up to 30%, and may apply an estate tax of up to 40% on all US situated assets above a minimal $60,000 exemption. Be sure to understand how these tax rules will apply to you. If you need to avoid them, switch away from the usual US domiciled investments discussed among and used by US investors, and instead use equivalent investments domiciled in other countries, for example Ireland.
- For US persons: Uniquely among developed countries, the US taxes its citizens and permanent residents on their worldwide income whether they live in the US or outside. It has protectionist and draconian tax laws that dissuade US citizens and residents from holding non-US domiciled investments. Because of these, you must usually invest as if living in the US, and you effectively cannot use normal investments freely available to non-US persons living in the same country as you.
In both cases, take care to understand these tax rules and restrictions early on. This will help to avoid huge problems later.
Getting started
- Getting started for non-US investors — Where to begin, if you are a non-US investor
- Bogleheads® investment philosophy for non-US investors — Describes the core investing principles, with a special emphasis on non-US investors
- Bogleheads® investing start-up kit for non-US investors — Helps non-US investors find the right starting point for exploring content in the wiki
- Boglebot — An interactive tool offering suggestions for how non-US investors can implement a two-fund portfolio
Investing from outside of the US
- Investing from outside of the US — An introduction to the investment and taxation concerns for investors domiciled outside the US
- Domicile — Describes how residency and other factors affect investors
- Index funds and ETFs outside of the US — Description of some of the global aspects of index funds and ETFs
- Bond basics for non-US investors — Explores bonds and their function in a portfolio from a non-US perspective
- Stock asset allocation for non-US investors — Looks at how an investor domiciled outside of the US might decide on their asset allocation to stocks
- Building a non-US Boglehead portfolio — Sets out at high level the steps needed to build a portfolio and provides suggestions on usable funds
- Simple non-US portfolios — How to create a simple portfolio, including example portfolios
- Complex non-US portfolios — Adding investments to create a more complex portfolio
- Investment trusts — Discusses these alternatives to traditional index funds and ETFs
- Non-US robo-advisors — Robo-advisor platforms available across Europe and elsewhere
- Real estate investment trusts for non-US investors — Describes how non-US investors can invest using REITs
Bogleheads® forum for non-US investors
- My portfolio: seeking advice — Guide on how best to ask a question about your portfolio on the forum
- Non-US Investing Forum — Link to the forum's non-US investing area
Tax issues
- Non-US investor's guide to navigating US tax traps — Describes multiple difficulties and challenges posed by US tax laws
Tax issues specific to nonresident aliens
- Nonresident alien's ETF domicile decision table — Decision table to help non-US investors choose between US domiciled ETFs and non-US domiciled ETFs
- Nonresident alien taxation — Summarizes how a US nonresident alien (NRA) is taxed when investing in US domiciled investment assets
- Nonresident alien with no US tax treaty & Irish ETFs — Shows why and when it may be better for non-US investors to invest in Ireland domiciled funds as opposed to a US domiciled funds
- Comparison of accumulating ETFs and distributing ETFs — Non-US investors often have a choice between funds that distribute dividends and ones that reinvest them immediately
Tax issues specific to US persons living outside the US
- Taxation as a US person living abroad — Tax filing information for US citizens and permanent residents living outside the US
- Passive foreign investment company — Describes punitive US tax rules for US persons who hold non-US domiciled funds
- US tax pitfalls for a US person living abroad — Discusses investing obstacles that US taxes cause for US persons living outside the US
Currency issues
- Non-US investors and ETF currencies — Untangles the issue of multiple currencies for ETF investors
Investing in and from European Union countries
Introduction to investing in and from European Union countries
- EU investing — Describes investing for European Union residents
- EU non-habitual residence — Some European Union countries offer attractive tax regimes to new residents
- Cash equivalents for EU investors — Discusses cash and near-cash investments suitable for EU and other non-US investors
Belgium
Germany
Ireland
Italy
Netherlands
Spain
Investing in and from non-European Union countries
Australia
Brazil
Canada
Japan
Japan specific to US persons living outside the US
Singapore
Taiwan
- Taiwan bond indexes
- Taiwan stock indexes
- Taiwan treasury bill rates
- List of Taiwan exchange traded funds
United Kingdom
- UK investing
- Individual Savings Accounts — Discusses tax-free savings and investments accounts for UK residents
- Personal Pensions — Describes tax-deferred wrappers for UK retirement savings
- FTSE UK indexes
- UK asset class returns
United Kingdom specific to US persons living outside the US
Pension fund performance studies
- Global (excluding US) pension fund performance
- Canadian pension fund performance
- Dutch pension fund performance
- Finnish pension fund performance
- Greek pension fund performance
- Hong Kong pension fund performance
- Norwegian Government Pension Fund Global performance
- Swiss pension fund performance
- Turkish pension fund performance