Clemens (@Quarki99) on getquin

Clemens

@Quarki99

5Mon·

Question for the community

Is the $XDWD (+1.27%) better than the $IWRD (+1.17%) ?

Because I'm thinking about switching.

5 Comments

Kevin E.@KevinE

5Mon

0.5% TER for an MSCI World is pretty steep. If you don't have extremely large gains to tax, I would probably look for a new one, yes...

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Alpalaka@Alpalaka

5Mon

Why not the $IWDA?

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trading_05@trading_05

5Mon

$XDWD TER: 0.19%👌also have this as a basis.

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Ironman@Ironman2022

5Mon

$SPPW 0.12% TER👌

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JochenDerRochen@user0c4aeeb62fe24891

5Mon

Hi guys I'm actually also saving this ETF with the high TER. An acquaintance recommended it to me years ago and I've left it that way ever since 😅 I know: do your own research and all that. His thought was that by distributing the dividend, which is currently still within the annual tax-free allowance (<€1000/a), I would ultimately reduce the actual profit and therefore pay less tax on the withdrawal. The dividend is reinvested directly in the ETF. The annual dividend reduces the profit by up to €1000/year. As soon as I would have more than 1000€ dividend per year, I would have to think about it again anyway, so the question arises as to whether the 0.5% TER is worth accepting for this "great" tax-saving effect.
Do you think that's nonsense?

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