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  1. #51
    Totemic Lust User
    Looper's Avatar
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    Quote Originally Posted by redhaze View Post
    Capital gains are actually better since they are taxed at a much lower rate.
    Yes there are tax implications.

    Not sure about Thailand but in Aussie most dividends are franked meaning the company has already paid company tax so you do not need to pay income tax on the dividend income.

    But regardless of the tax situation in CG vs Dividends the impact of tax is minimal against the bigger picture of sound fundamental value investing.

    Small tax benefits should be low on the list of considerations.

  2. #52
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    Quote Originally Posted by Looper View Post
    Not sure about Thailand but in Aussie most dividends are franked meaning the company has already paid company tax so you do not need to pay income tax on the dividend income.
    That's right, I don't invest much in Australia although I do own some of Vanguard's Pacific Fund which has quite a few Australian companies in it. Sort of forgot about how they handle dividends though. Wish that was more common, would certainly simplify things for us end users.

    Quote Originally Posted by Looper View Post
    Small tax benefits should be low on the list of considerations.
    The difference can be pretty big in the US (33% or so tax on dividends taxed as ordinary income depending on your bracket) versus 15% on capital gains (and that's only when you sell, you can run up paper gains all day long). Dividends you pay as they are distributed and you pay them even on losers. That can hurt when you go to harvest losses at the end of the year. Its a non-trivial consideration, but I agree that it shouldn't guide your investment strategy end of the day. Its something to think about in terms of how you deploy limited resources though

  3. #53
    a cookin' an' a bookin' Luigi's Avatar
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    Time to put on The Wolf Of Wallstreet for the main mrs. Great flick.



    Cheers Prag. Can any ol' Tom, Dick n Lulu get into that 4.5% fixed term deposit?

  4. #54
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    Was wondering the same actually....that yield is completely unheard of these days

  5. #55
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    Quote Originally Posted by hick View Post
    Begging your pardon, Jack Meoff (Man, that's just fun to say).

    If it looks too good to be true, well....

    There's risk and then there's risk.
    Thanks hick
    No risk for me its Luigi who's splashing the cash

  6. #56
    Thailand Expat raycarey's Avatar
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    Quote Originally Posted by Luigi View Post
    Cheers Prag. Can any ol' Tom, Dick n Lulu get into that 4.5% fixed term deposit?
    are deposits in thai cooperatives insured?

    i seem to remember someone at a cooperative ran off with a large amount of cash a few years back.

  7. #57
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    These guys don't know what their talking about. Everyone knows Thailand hasn't enuf bowling alleys. For Christ's sake you could get into something on the ground floor.

    Yes bowling with a restaurant on the side.

    You could rent out your balls AND sell your sausage.

  8. #58
    Thailand Expat david44's Avatar
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    ALERT THIS IS NOT A PYRAMID

    Dear Punter , ahem sorry friend.

    We would like you to get in on the ground floor .
    This is a new opening and I have room for one more investor in our portfolio.

    NB This is not a Pyramid

    Please ignore those who have little in depth expertise in shitting containers.
    Get in on the grouind floor , for every 4 new people who shit on you you'll recieve a golden cabbage.You can trickle down from Ballsbridge to On Nut.

    NB This is not a Pyramid

    Multi-level farting is not for all, but I think you have the nouse , the readies and the recipes to blow off,

    NB This is not a Pyramid

    Please send a large wedge to Khvn Bigcheese, Golden Triangle.Should you fail to put your nuts on block by close of business Pharaoh nuff

    NB This is not a Pyramid, just Toot n come in
    Originally Posted by HuangLao
    Those with lesser cognitive reasoning should refrain from commentary.

  9. #59
    เกี่ยวข้อง HuangLao's Avatar
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    Invest in yourself.

  10. #60
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by Luigi View Post
    Cheers Prag. Can any ol' Tom, Dick n Lulu get into that 4.5% fixed term deposit?
    Yes but you have to enroll using your missus. I as a farang can have an account, can't recall at the mo, but I think I get 4%. You need to go along to your nearest Cooperative and ask. Your missus will know where one is. A Cooperative here is a 'Credit Union'. Most town/cities will have a police, nurses, teachers one. I hear the police pay the highest %, but outsiders cannot join. Teachers one is okay.
    Last edited by Pragmatic; 17-11-2017 at 08:24 PM.

  11. #61
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    Damn, must be nice...

    My cash is drawing a measly 1.3%. And I'm pretty sure that's the highest (non-CD) rate in the states at present. Pretty pathetic

  12. #62
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by raycarey View Post
    i seem to remember someone at a cooperative ran off with a large amount of cash a few years back.
    Apparently they now rotate the board annually so it can't be done.

  13. #63
    Thailand Expat raycarey's Avatar
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    lulu...if you do go that route, i recommend that you confirm whether or not there is deposit insurance.

  14. #64
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by raycarey View Post
    lulu...if you do go that route, i recommend that you confirm whether or not there is deposit insurance.
    Teachers Cooperative in Buriram has been in operation over 40 years and never a problem.

  15. #65
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    What's the farmer's CoOp return like?
    If there is one, I mean...

  16. #66
    Thailand Expat raycarey's Avatar
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    ^^
    we made our previous posts at exactly the same minute...i didn't see yours before i posted mine.

    i'm not casting aspersions on cooperatives or your recommendation....just adding more info.

  17. #67
    Thailand Expat Pragmatic's Avatar
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    ^
    That's not a problem. I feel safe in how I save. I can only tell my experiences. Up to others if they follow my path. Each to their own at the end of the day.

  18. #68
    disturbance in the Turnip baldrick's Avatar
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    Quote Originally Posted by Luigi View Post
    what would you go for?
    https://obelisk.tech/index.html

    https://www.reddit.com/r/decred/comm...nything_about/

    obelisk DCR1 - I have taken a punt - but only 2.5k and maybe a bit high risk - you only have until next friday though for the first round

  19. #69
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    Nothing beats a solid Utility paying a decent dividend. Many up 18 to 20% ytd and pay great dividends. No broker required. Grow up and hold your own. Can't beat it, someday you'll just shake it at the one you want to piss off.

    Get a decent stock app and look up some info for yourself. Don't need an English major to read a scatter plot, or an ex con for a bar chart.

  20. #70
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    Up a buck 90 ytd. 20+. Only getting 30+ on div and reinvesting.
    I think I could be an English Major but no, sadly just.


    ..the fish.

  21. #71
    Thailand Expat
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    Now if I could only learn to live on a teflers salary or say an old ozzy firemans pension then I'd be living the dream, or...the life of......





    the fish.



    At least you are asking the right Questions.
    Obviously people spend their lives contemplating the realization that they too will expire with or without the means to extend their stay.

    Jeff you can chime in with some existential mumbo jumbo now. Please...
    Last edited by fishlocker; 18-11-2017 at 12:04 PM.

  22. #72
    Thailand Expat
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  23. #73
    Thailand Expat
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    May I suggest a thread titled " time is money".

    And then one day you wake up, ten years have got behind you.
    No one told you when to run.............

  24. #74
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    Quote Originally Posted by Pragmatic View Post
    Apparently they now rotate the board annually so it can't be done
    ...pardon my cynicism, but when the previous board's inlaws form the new board, all sorts of magic happens...

  25. #75
    a cookin' an' a bookin' Luigi's Avatar
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    Quote Originally Posted by Luigi View Post
    I presume this is the Monthly Investment Plan (MIP) I'd be looking for with Aberdeen.

    MIP - Thailand - Aberdeen Asset Management
    Okay, am happy with this.

    Are there another 2 or 3 reputable asset management companies here with a basic MIP?

    Would be happy splitting the monthly amount evenly between them and seeing who comes out on top after the 12 month experiment.

    Cheers.

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