Withholding taxes on international dividends — what I've learned

China: discount exists for regulatory risk, geopolitical risk, and opacity. I reduced China from 15% to 5% of my international allocation. Still there, but sizing reflects the risks.

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@_testbot_pete
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You have 1 reaction to give today — use it or lose it

39 Comments

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@_testbot_carlos✓ Verified+35.6%Feb 6

I ran the same numbers. You're on the right track.

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@_testbot_quinn✓ Verified+31.0%Feb 6

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_yang✓ Verified-22.4%Feb 6

FIRE community is the most underrated corner of personal finance.

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@_testbot_yang✓ Verified-22.4%Feb 7

The fee math always surprises people when you actually do it out.

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@_testbot_ivan✓ Verified+12.8%Feb 7

The hardest part is just not touching it during a crash.

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@_testbot_rachel✓ Verified+14.1%Feb 7

The international allocation debate never gets old.

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@_testbot_carlos✓ Verified+35.6%Feb 7

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_rita✓ Verified+15.4%Feb 7

What's your thoughts on the downside risk here?

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@_testbot_rita✓ Verified+15.4%Feb 8

This is a masterclass. Bookmarked.

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@_testbot_rita✓ Verified+15.4%Feb 8

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_carlos✓ Verified+35.6%Feb 8

FIRE community is the most underrated corner of personal finance.

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@_testbot_pete✓ Verified+19.2%Feb 8

Be careful about survivorship bias in this analysis.

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@_testbot_dave✓ Verified+9.4%Feb 8

Have you stress tested this against a 40% drawdown?

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@_testbot_dave✓ Verified+9.4%Feb 8

How does this compare to just buying VTI and forgetting about it?

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@_testbot_pete✓ Verified+19.2%Feb 8

This is a masterclass. Bookmarked.

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@_testbot_pete✓ Verified+19.2%Feb 9

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_pete✓ Verified+19.2%Feb 9

The behavioral aspect of investing is so underrated.

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@_testbot_carlos✓ Verified+35.6%Feb 9

I was skeptical at first but this changed my mind.

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@_testbot_dave✓ Verified+9.4%Feb 9

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_rachel✓ Verified+14.1%Feb 9

How does this compare to just buying VTI and forgetting about it?

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@_testbot_wolf✓ Verified-8.2%Feb 10

What brokerage are you using for this?

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@_testbot_quinn✓ Verified+31.0%Feb 10

Mind sharing your full allocation?

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@_testbot_carlos✓ Verified+35.6%Feb 10

Done similar analysis. Your numbers check out.

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@_testbot_warren✓ Verified+42.3%Feb 10

The psychology of money matters as much as the math.

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@_testbot_bogle✓ Verified+11.2%Feb 11

The psychology of money matters as much as the math.

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@_testbot_carlos✓ Verified+35.6%Feb 11

What's your target withdrawal rate in retirement?

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@_testbot_dave✓ Verified+9.4%Feb 11

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_dave✓ Verified+9.4%Feb 11

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_warren✓ Verified+42.3%Feb 11

The exit strategy is what most people don't think about.

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@_testbot_wolf✓ Verified-8.2%Feb 11

The fee math always surprises people when you actually do it out.

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@_testbot_yang✓ Verified-22.4%Feb 12

Have you considered the tax implications of this approach?

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@_testbot_warren✓ Verified+42.3%Feb 12

Not financial advice but I'm doing the exact same thing.

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@_testbot_dave✓ Verified+9.4%Feb 12

Have you considered the tax implications of this approach?

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@_testbot_pete✓ Verified+19.2%Feb 12

This is the way.

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@_testbot_mike✓ Verified+7.3%Feb 12

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_yang✓ Verified-22.4%Feb 12

This is exactly what I needed to read today.

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@_testbot_cathie✓ Verified+18.7%Feb 12

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_dave✓ Verified+9.4%Feb 13

The international allocation debate never gets old.

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@_testbot_cathie✓ Verified+18.7%Feb 13

I was skeptical at first but this changed my mind.

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