My Asset Allocation (Part 2)

14Apr21: I edited my approach to where to put bonds, based on my post on Required Minimum Distributions. In Part 1, we discussed the first three of my six steps for asset allocation: Why are you investing? What are the goals? What broad asset categories do you want to invest in? Stocks vs bonds, US,Continue reading “My Asset Allocation (Part 2)”

My Asset Allocation (Part 1)

Many of you will already be familiar with the idea of asset allocation – I don’t need to repeat the excellent explanations already out there (here’s a great primer from Bogleheads), but I did want to explore how I arrived at my own asset allocation and how you might go about thinking of yours. IContinue reading “My Asset Allocation (Part 1)”

US Traditional IRA (Account Options)

This is an option with a big question mark, even if the question is answered favorably, it’s still relatively limited, but I wanted to include it in the list of account options to be comprehensive. I’d be interested in your thoughts about how you use it as an American in the UK, if you do.Continue reading “US Traditional IRA (Account Options)”

UK Premium Bonds (Account Options)

Premium Bonds are a very unique type of account – a savings account crossed with a lottery. I think they’re pretty neat, and a nice, safe way of making short term savings a little fun. Synopsis Premium Bonds don’t have any parallel in the US, so a quick explanation of how they work: you depositContinue reading “UK Premium Bonds (Account Options)”

UK Innovative Finance ISA (Account Options)

I’ll be honest, this isn’t one I’ve done a huge amount of research on, because I don’t see a good case for using one. I’ve just covered the basics below, for completeness and awareness. If anybody has found a good use for an Innovative Finance ISA in the portfolio of Americans in the UK, I’dContinue reading “UK Innovative Finance ISA (Account Options)”

UK Cash ISA (Account Options)

Now we’re getting to the accounts that aren’t part of the flowchart for a “typical” American in the UK planning for retirement, but they have their purposes and might be useful in your individual plan. Synopsis A Cash ISA is a glorified savings account that’s UK tax free, US taxable. Most people don’t pay UKContinue reading “UK Cash ISA (Account Options)”

The US/UK Tax Treaty

Big caveat up front: I am not a lawyer! This is 100% a layman’s reading of the tax treaty – it’s entirely up to you to confirm my interpretations. I’ve tried to call out situations where there are various interpretations so you can make your own judgment or seek out professional advice. Don’t try toContinue reading “The US/UK Tax Treaty”

US & UK Taxable Brokerage (Account Options)

I’ve lumped US and UK taxable brokerage accounts together because they’re conceptually very similar. There are slightly different challenges, based on the available investments, but I’ll call out where they differ. For most Americans in the UK, you’re best off with a US account, if you can get somebody to let you have one! SynopsisContinue reading “US & UK Taxable Brokerage (Account Options)”

S&S ISA Experiment – Getting Started

One of the triggers that got me started with this site was my recent experience of opening a Stocks & Shares ISA. I’d like to share my experience so far with all of you, in the hopes it might help if you’re in a similar situations. I’ll also post periodic updates, to see how thisContinue reading “S&S ISA Experiment – Getting Started”