Index funds for foreigners (non-us investors)

So I got some cash idle in account after the crypto arbitrage and though we have 9 year bull market and even such tables:

Perspective: S&P500

1997 -2000 +2x
2000 -2002 -50%
2002 -2007 +2x
2007 – 2009 -50%
2009 -2018 +~3x

I still believe there is 50/50 chance for Bull/Bear market in next 10 years. (currentS&P500 is @ 2767)

My initial idea with stock market was to make an passive index myself, buying stocks from S&P500 for the same amount. Buy i noticed it takes too much time, so i decided to go for the index funds and delete the IB trader app from my laptop.

The problem: foreigners can not buy low cost Vanguard index funds. The solution: I decided to buy iShares ETFs by BlackRock.

I have chosen:

  • ITOT Expense ratio 0.03%. (6.6% of my stock portfolio)
  • IJR Expense ratio 0.07%. (15% of my stock portfolio) (Small cap companies)
  • ICOL Expense ratio 0.61% (9% of my stock portfolio) (Columbia)
  • QQQC Expense ratio 0.65% (10% of my stock portfolio) (Chinese tech companies)

My current strategy is to continue investing in P2P loans with collateral, after the market crash of 20%+ start accumulating ITOT.

  • 40% of my stock portfolio is invested in indexes/ETFs
  • 9% of my net worth is invested in stock market.
  • 6.8% of all stock portfolio is in Softbank

Currently i hold these stocks:

The crisis may not come any time soon

Everybody agrees that the crisis or correction will come. I can not disagree with that. My idea is that investing (dollar cost averaging) should be more beneficial (Schwab study) than waiting for the crisis to come. It may come but it may be very short and recover very fast. Technically we are in second longest bull market not affected by recession. But the bear market of 1987 was only 3 months.

1987 August 21 the highest was 335.90

1987 December 4 the lowest was 223.92 (33% fall). From that moment The bull market started again.

1989 July 21 it crossed the 335.90 again

Conclusion: timing market is not a good idea.

Prediction: no one knows if crisis will come this year or in next 10 years. And for the reason that there is huge anticipation that the crisis is near, for that reason I would bet that it might not come soon. Reason #2 is that people still remember 2008. Reason #3 People have too much cash and moderate debt (look at the insane ICOs)