u/Anananas0621

Hihi!
I’m a Taiwanese citizen currently living in Spain, but my husband and I may move between countries in the future (possibly Taiwan again, maybe elsewhere in Europe). I’m planning a long-term investment strategy (10+ years) and trying to decide between investing 50k in UCITS ETFs vs US ETFs and plan to DCA them.

I understand UCITS ETFs may be more tax-efficient for non-US investors long term (estate tax, cross-border flexibility, etc.), but US ETFs seem to have lower fees and higher liquidity? however, I'm concerned about their Estate Tax (directly upon death will be subject to up to 40% on holdings exceeding $60,000)

Would you personally choose UCITS ETFs or US ETFs? I am overwhelmed with the info out there, so any advice would be appreciated:)) thxxx

Hi~
After teaching Asian students for 6 years, I noticed many of them are not actually “bad at speaking”

They are usually:

• afraid of making mistakes (I think it's due to low self-confidence? and the education system there too)
• overthinking grammar (In Asia, the schools teach complex grammar lol)
• waiting for the “correct” answer

One thing that helped a lot in my point of view:
I stopped correcting immediately and focused more on follow-up questions

Anyone else noticed this?