Hi,
I'm nearing 40, non-dom, have roughly 3M in mostly stocks, and another 500k pension.
Looking to diversify away from mostly stock, and start e.g. a 3-5 year glide into a Golden Butterfly or similar variant.
I have no other tax residencies or relevant tax obligations, I'm not American, I can sell what I have no with 0 CGT.
I'm looking for assets similar to portfoliocharts.com Golden Butterfly, that are non-dom tax friendly.
Basically I'm wondering whether the US ETFs like IJS, VTI, TLT, SHI, GLD would be suitable, or would they be subject to 41% exit tax given they're not UCITS. .. or if there is a list or simple guidelines on finding similar asset that would allow me to rebalance once in a while keeping the zero tax - or rather without having to pay anything unremitted.
Generally, I don't mind using Schwab or IBKR, to place basic limit orders in line with what whatever rebalancing spreadsheet says. I'm hoping that'd be enough.
---
And perhaps a related question, how does one go looking for a capable "financial planner", or is it QFA, or what kind of professional do I even need?. Is there an online rolodex of such people somewhere with maybe a bit more info re what they do and what they don't do? Essentially, I don't need someone to sell me a sucky 1% AUM magical product that makes my life easy at age 75, I need someone with practical advice on this aspect of Irish taxation, and who might be able to talk PWR and SWR using tooling on hand, and efficient frontiers and whether Guyton-Klinger or three bucket would be useful for our setup if we end up planning house renovations or travel.
Thanks.
I'm nearing 40, non-dom, have roughly 3M in mostly stocks, and another 500k pension.
Looking to diversify away from mostly stock, and start e.g. a 3-5 year glide into a Golden Butterfly or similar variant.
I have no other tax residencies or relevant tax obligations, I'm not American, I can sell what I have no with 0 CGT.
I'm looking for assets similar to portfoliocharts.com Golden Butterfly, that are non-dom tax friendly.
Basically I'm wondering whether the US ETFs like IJS, VTI, TLT, SHI, GLD would be suitable, or would they be subject to 41% exit tax given they're not UCITS. .. or if there is a list or simple guidelines on finding similar asset that would allow me to rebalance once in a while keeping the zero tax - or rather without having to pay anything unremitted.
Generally, I don't mind using Schwab or IBKR, to place basic limit orders in line with what whatever rebalancing spreadsheet says. I'm hoping that'd be enough.
---
And perhaps a related question, how does one go looking for a capable "financial planner", or is it QFA, or what kind of professional do I even need?. Is there an online rolodex of such people somewhere with maybe a bit more info re what they do and what they don't do? Essentially, I don't need someone to sell me a sucky 1% AUM magical product that makes my life easy at age 75, I need someone with practical advice on this aspect of Irish taxation, and who might be able to talk PWR and SWR using tooling on hand, and efficient frontiers and whether Guyton-Klinger or three bucket would be useful for our setup if we end up planning house renovations or travel.
Thanks.
