Index Fund & ETF Guides

Non-leveraged index fund and ETF deep dives for international investors - core holdings, UCITS vs US-domiciled funds, and building a diversified portfolio.

Most of what determines long-term returns here is unglamorous: fund domicile, expense ratio, and overlap between funds you already hold. If you're outside the US, start with UCITS vs US-domiciled ETF tax treatment before picking funds, then see how the pieces fit together in building a 3-fund portfolio.

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Accumulating vs Distributing ETFs and Withholding Tax

Accumulating ETFs reinvest dividends instead of paying them out - changing when dividend withholding tax applies and adding a real record-keeping burden.

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BND vs AGG vs TLT: Bond ETFs for Global Investors

BND, AGG and TLT differ in duration and credit profile - and for a non-US investor most of their interest arrives with zero US withholding. A full comparison.

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VOO vs SPY vs IVV: Which S&P 500 ETF Abroad?

VOO, SPY and IVV track the identical index. The differences are cost, structure and liquidity - and one of them matters more abroad. With worked cost math.

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Financial Disclaimer: This content is for educational purposes only and is not financial advice. Investing involves risk. Read full disclaimer.