Nostradonkey💩

@DonkeyInvestor

9Mon·

Bye Bye $VWRL (-0.52%) 👎 Hello
$HMWO (-0.39%)
and
$HMEF (-0.98%) 👋

Take this @Vanguard

I have decided to discontinue my savings plan on the $VWRL (-0.52%) and not to invest any more money in Vanguard products in future. The reason is obvious: over all these years as a loyal fan, I have never received a Vanguard sweater. That's no way to treat your best customer, @Vanguard . Someone has to show you your limits 👎.

Instead, I'll be saving in HSBC products from May. Maybe I'll get a sweater from them one day 🤔🧐.

Apart from the sweater, there are a few less important factors that also influenced my decision and which I don't want to withhold from you:

A few weeks ago, I asked about ways to optimize taxes and costs on getquin: https://getqu.in/Ez0kiZ/ . Based on your answers, among others, I made the decision for the following reasons:

0.15% TER vs. 0.22% TER
Splitting the portfolio across several ETFs makes it easier for me to optimize taxes in the withdrawal phase
In the unlikely event that Vanguard screws something up, ETFs are dissolved / merged, strange laws are passed in the USA, ... the majority of my assets are not held by Vanguard alone
That $VWRL (-0.52%) I will of course keep it, but move from Scalable to DKB. Less hassle with Scalable, less "delay risk" if Scalable goes bust, better service from DKB, ...
For some, another reason would probably be that I now receive dividends in 8/12 instead of 4/12 months 😅
The real benefit is of course manageable, but the effort to change the savings plans costs less than 5 minutes (research in advance has already been done anyway)

I will repeat this procedure in the future. As soon as $HMWO (-0.39%) and $HMEF (-0.98%) (which are saved at low cost with Scalable) together reach the size of the $VWRL (-0.52%) I will save in one (or two) new ETFs. Distributions will only be reinvested in the ETF I currently hold. Rebalancing between $HMWO (-0.39%) and $HMEF (-0.98%) will not take place, as I will not swap winners for losers (besides, I'm lazy). The savings rate will remain constant for both (90/10).

Of course, the whole thing only makes sense above a certain portfolio size. For 10k in $VWRL (-0.52%) I wouldn't even invest the 5 minutes it takes to convert the savings plan 😅.

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69 Comments

Ella Marie Waschbär@DividendenWaschbaer

9Mon

$HMWO Beste

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Nostradonkey💩@DonkeyInvestor

9Mon

@DividendenWaschbaer oh no, you have that too? Then I'll have to choose another one after all

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Ella Marie Waschbär@DividendenWaschbaer

9Mon

@DonkeyInvestor Yep, it's my oldest and second largest 👍🏻

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Nostradonkey💩@DonkeyInvestor

9Mon

@DividendenWaschbaer What are you sure not to invest in in the future?

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Ella Marie Waschbär@DividendenWaschbaer

9Mon

@DonkeyInvestor Esel

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Nostradonkey💩@DonkeyInvestor

9Mon

@DividendenWaschbaer looks like you that you don't take advantage of the best investments

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Endwar@Sololeveling

9Mon

@DividendenWaschbaer this is not available from Trade Repuplic ;'/

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Nostradonkey💩@DonkeyInvestor

9Mon

@Sololeveling they cannot afford

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Cekay@CMustermann

9Mon

@DividendenWaschbaer Jo, all the stranger that this is not in deepdive

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Nostradonkey💩@DonkeyInvestor

9Mon

@CMustermann may still come @Kundenservice

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Kundenservice von getquin@Kundenservice

9Mon

@DonkeyInvestor First up are Vanguard and SPDR. Then we'll look further.

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Dividende > Zinsen@GoDividend

9Mon

Everything is understandable
But
An e-mail to Vanguard is enough to get at least one T-shirt.

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Nostradonkey💩@DonkeyInvestor

9Mon

@GoDividend this takes longer than changing the savings plan

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Dividende > Zinsen@GoDividend

9Mon

@DonkeyInvestor but it works 😜

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Nostradonkey💩@DonkeyInvestor

9Mon

@GoDividend I also want a sweater and not a T-shirt

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DerDanner@Therapeut

9Mon

@GoDividend already done? Which mail and what did you write?

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Dividende > Zinsen@GoDividend

9Mon

@Therapeut even posted here and got shitstormed 🤣🤣🤣🤣
But it's been a while

It was at the time when @Der_Dividenden_Monteur and I received our Hercules vests

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Nostradonkey💩@DonkeyInvestor

9Mon

@GoDividend Really, there was a shitstorm back then?

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DerDanner@Therapeut

9Mon

@GoDividend I can't understand, I'm right there😂 did you get Tshirts from Vanguard?

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Dividende > Zinsen@GoDividend

9Mon

@DonkeyInvestor yes..🤣 from individuals. Whether it wasn't embarrassing to run advertising. Something like that. Quite amusing

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DerDanner@Therapeut

9Mon

@GoDividend Envious as always 😂 depot must surely be fake with the amount...

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Nostradonkey💩@DonkeyInvestor

9Mon

@GoDividend wouldn't walk around with it either 😅

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View all 4 further answers

9Mon

Hi, I have two questions: 1. have you looked at the tracking difference and used it as a criterion in your decision? 2. what percentage split between World and EM markets are you aiming for?

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Nostradonkey💩@DonkeyInvestor

9Mon

@user414c877f73734b27
1) No, I have not included it. From my point of view, it's more a matter of luck how things will go in the future
2) 90% World, 10% EM

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9Mon

@DonkeyInvestor Thank you for your answer.

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Kevin E.@KevinE

9Mon

Regarding simpler tax withdrawal: you can also avoid FIFO by transferring parts of the portfolio to another custody account. This is not a huge problem, especially if you already have large ETF holdings.

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Nostradonkey💩@DonkeyInvestor

9Mon

@KevinC right, so I have a second option

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userb871c8177f5946a8@userb871c8177f5946a8

9Mon

Better "service" from DKB? 😂 😂😂

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Nostradonkey💩@DonkeyInvestor

9Mon

@userb871c8177f5946a8 Sounds strange, but that's how it is - compared to Scalable Capital 😁

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Investfamily@Investfamily

9Mon

I did the same in January 🫡 Welcome to the club.

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Nostradonkey💩@DonkeyInvestor

9Mon

@Jogger what did you save before, what now?

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Investfamily@Investfamily

9Mon

Ishare In der ACC Version

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user35903002213@user35903002213

9Mon

I wouldn't take an ETF simply because of the upfront taxation for Robert and Anna-Lena 😆

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9Mon

@user35903002213 this is about Dist.

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Nostradonkey💩@DonkeyInvestor

9Mon

@user35903002213 good point. But individual shares are too stressful for me. I used to have them.

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Nostradonkey💩@DonkeyInvestor

9Mon

@Tono I have also already paid an upfront fee on DIST ETF 😅

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9Mon

@DonkeyInvestor due to insufficient distribution or what ?

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Nostradonkey💩@DonkeyInvestor

9Mon

@Tono yes exactly

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FamilyFinance@FamilyFinance

9Mon

I had already thought about it. But then I didn't do it because the EM ETF from HSBC performs really badly compared to the competition (Xtrackers, UBS etc.). I then had a mix. World ETF from HSBC, EM IMI from iShares. Both distributing.

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Nostradonkey💩@DonkeyInvestor

9Mon

@FamilyFinance also a good idea. Does it differ that much in its composition?

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FamilyFinance@FamilyFinance

9Mon

@DonkeyInvestor Not really. You just have the small caps on board (1,400 vs. 3,200 shares). China is a little less heavily weighted. IMI is doing better at the moment. But it only pays out twice a year, in March and September. March and September. iShares is doing a good job of tracking the index, HSBC is not doing so well with EM.

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PeterGriffin_@PeterGriffin_

9Mon

Why not use the same index as before with $FTWG?

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Nostradonkey💩@DonkeyInvestor

9Mon

@PeterGriffin_ I had also thought about it. But it's still too young and small for me at the moment. But it's definitely an option when $HMWO and $HMEF are also full 👍

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Yieldrology@Yield-Ahead

9Mon

@DonkeyInvestor That is plausible, but what about $SPYI - TER 0.17?

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Nostradonkey💩@DonkeyInvestor

9Mon

@Index-Investor non-distributing

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9Mon

Oh man or donkey. I was happy with my ETF selection and now you've got me thinking...

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Nostradonkey💩@DonkeyInvestor

9Mon

@Juli15 sorry 😅. These are really only mini reasons and I wouldn't even think about it if I had a 6-figure sum in an ETF. Leaving everything as it is would also be good.

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9Mon

@DonkeyInvestor ok that helps me 😁 I'm not quite 6 digits yet... 😅 but it's definitely a goal 💪

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Europoor@Europoor

9Mon

Look mom, the donkey invests in the same ETF as me <3

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9Mon

I'm waiting for my Xtrackers sweater 😭

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FroschFabian@FroschFabian

9Mon

Would you still recommend the vwrl, I had hmwo and vwrl in mind from the beginning, then decided on vwrl, would it perhaps make sense to save in both equally? (Also of course to get the dividend in different months)

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View all 3 further answers

9Mon

April 1 is already over.

Not quite comprehensible to me.
TD > TR, tax savings later simply through partial transfers to other custody accounts.
ETFs are special assets, so it doesn't matter whether Vanguard or any other provider.

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View all 2 further answers

Smartrich@Smartrich

9Mon

Why not Trade Republic - DKB takes 10 euros per order

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9Mon

Good evening, maybe a strange question, but how do I find the two ETFs on Trade republic? I searched for HMWO and couldn't find them, thank you 🙋🏽‍♂️

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View all 2 further answers

Berliner G.@BerlinerGift

8Mon

What I don't like about HSBC ETF is the length of time between ex-date and payout. You are always in the following month when the payout comes.

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