1Wk·

World ETF

Unfortunately, I have 4 World ETFs in my portfolio🙈 Starting this year, I've been saving only in the $VWCE (+0.18%) . Should I sell the others (all of which are in the black) or hold onto them?

10 Comments

Wealth-Accelerator@Wealth-Accelerator

1Wk

I'd leave it as is, too. If a crisis ever hits and they're no longer in the black, you can always consolidate them on a tax-neutral basis.

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MB I.@Droid

1Wk

If they are of different ages, they will likely have different performance histories, so it may be worth holding onto them to defer taxes in the event of a sale and selling only the ones with the lowest performance—for example, the most recent shares—first.

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Metis@Metis

1Wk

It all depends on how much money is in there, how much tax you'd owe, whether you've already used up your tax-free allowance, etc.

It's hard to say anything for sure off the top of my head.

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Timmy2@Timmy2

1Wk

@Metis 2 ETFs with 13,000 euros each and one with 6,000 euros—the tax-free allowance has already been used up

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Marto@Maddy-0

1Wk

Unless the TERs of the other World ETFs are significantly higher than that of the $VWCE, I would leave them as they are.

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Timmy2@Timmy2

1Wk

@Maddy-0 just one with 0.20% of a 6,000-euro portfolio value

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Julian@MoneyISnotREAL

1Wk

@Timmy2 Just leave it alone. Why pay taxes and end up with less capital?

You’d be better off asking yourself: How is it that you already have 4 ETFs with so little capital?

A 0.2% TER is a standard fee—not excessively low, but not high either.

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Timmy2@Timmy2

1Wk

@MoneyISnotREAL Why so little capital? Thanks for your message… The other ETFs have been around for a while, and now I'd like one that invests in emerging markets.

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Julian@MoneyISnotREAL

1Wk

@Timmy2 The information in the subordinate clause has been missing so far—you’ve only mentioned the $VWCE. That’s why I assume you’ve been contributing to global ETFs that don’t include emerging markets (EMs).

You’re switching your ETF because you want to include EMs. Choose an index/ETF and contribute to it. Some people switch, for example, at certain intervals (several years) due to FIFO, while others switch as soon as they’ve contributed a certain amount (e.g., €100,000).

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Timmy2@Timmy2

1Wk

@MoneyISnotREAL Thank you for your feedback

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