wakeneddreamer

The advertising networks and associated trackers on many news sites would not pass gdpr

Alliance Bernstein published a white paper about transferring ones collection and preserving value

http://bernstein.com/our-insights/insights/2024/whitepaper/c...

If you're talking about listed stocks and such, then the licensing caveat I mentioned, so only some firms will be willing to take you, especially since US tax and securities laws are particularly strict. Easiest is going through a US-based ETF or mutual fund that targets the world ex US or specific regions/countries. Otherwise several US brokers can give you access to foreign stock markets at varying costs. Either will also simplify your tax situation vs. using a non-US firm (foreign bank and investment accounts are a US tax reporting nightmare, even if you live overseas, and also the US has agreements with many countries to exchange tax information, so you'll still need to pay). Whatever you do don't invest in a non-US mutual fund, as the tax treatment is usually quite punitive.

Note correlation across stock markets is higher the last 10-15 years than it has been before then, so that reduces the diversification benefits.

Doesn't everywhere on earth get pretty much 50% daylight hours and 50% nighttime hours over the course of the year (mountain vs. valley may change that very slightly)? It's just the distribution over the course of the year that's different.

Now if you meant sunshine instead of daylight I might agree with you.

:-p

I moved back to the USA from London a few years ago. Main motivations similar to yours - also got tired of feeling like a foreigner all the time and not feeling like I fit into the society. Brexit added to my motivation - over my time there I felt the change in the atmosphere from welcoming to not so much.

If you don't know what you're doing with investing, consider the Malcolm Gladwell thesis that you have to invest ten thousand hours into anything to become adept at it. That largely applies to investing - if you're not willing and able to invest that kind of time into it, then keep it super simple and worry more about your own risk tolerance than about trying to add value by picking stocks or sectors. Is this money that you can afford to tie up for a while, or is there a possibility that you'd need it and thus be forced to sell it at the worst time ?

smt88's advice about ETFs is relevant, but I'd try to keep it simpler than that, especially if you're talking about small amounts. Think stock and bond mix and get a US and non-US index ETF or index fund for each and leave it alone except to periodically rebalance it or add/remove money depending on external needs.

Depending on what Latin American country you're from you may struggle to find a US based broker happy to take your account. In many countries, a broker will need to have a license in the country of a customer's residence to face a retail customer (this works the other way too, so a German broker would not take a US person's account unless they have an SEC registration). You may be able to get around that by setting up a US LLC or LP to put the money into and hold the account, but that's not economical unless you're investing quite large amounts.

Also if you're considering the tax implications, be aware that the OECD Automatic Exchange of Information applies between the USA and many other countries - so the broker may well be sending tax statements to your home country's tax authority who may send you a bill based upon the income generated by the account, with a penalty on top for not declaring it.

hi, I did the reverse - go back home to the USA after a decade away. Some thoughts for you to think about:

* Heraclitus applies. You've changed, both by maturing that you'd do anywhere, as well as by being in a different culture. Your home country has changed. In both cases, that's in some ways for the better, in some ways for the worse, but in all cases different than what you expect. Remember to keep an open mind as to why things don't work the way that you're used to, five years is enough for you to change your expectations. You almost have to treat going home as going to a new foreign country.

* Have you a berth lined up already ? Job hunting trans-Atlantic is hard, but so is job hunting while you're unemployed. Not sure which European country is involved, but some it's harder than others to get a mid-level position from outside. Remember your connections from undergrad, etc. have largely forgotten you and will meet you for a coffee to catch up but will not be as supportive of you as if they had worked with you side-by-side over the past years. To the extent that you can get hired by either clients or employers with whom you deal with in the USA, you'll have a much better time than if you try going in cold. If you can't arrange that, invest the next trip home into laying groundwork for your future more serious search by networking, conferences, maybe a continuing ed event to the extent relevant. Remember in Europe the job market has many more frictions than in the USA. Also general business culture and practices are different - I take from your description you've never formally worked in Europe other than maybe at the internship level.

* Your reentry will go better if you take serious thought about why you are doing it. Think of reasons pulling you home rather than pushing you out of here - if you blame being in the USA for why you are unhappy, you'll find the same emotional baggage follows you along with your shipping container.