Tobias (@TaubeSmash) en getquin

1Año·

MSCI World Switch -

I am currently toying with the idea of switching the MSCI World from $IWRD (+0,44 %) to $HMWO (+0,44 %) change. The reasons are simple at first:

Lower TER = 0.5% vs 0.15%
Higher dividend yield

As the ETF is the basis of my portfolio, I want to hold it for the long term.

Now to my concerns. Back and forth is known to empty your pockets. As I am registered in Switzerland as a non-resident taxpayer with DKB, I would not have to pay tax on the capital gains to date. So much for the theory, but there is still some doubt. It would be a shame if I had to pay tax on my previous capital gains, as the tax expenditure would eat up the exchange gains on the MSCI World for years to come.

Please give me your feedback: stay with the tried and tested or make the switch?

Have a nice Sunday

5 Comentarios

Chandra@Chandra

1Año

Do you have a tax advisor? He could probably answer your question. Otherwise, just leave the old ETF and save for the new one. Incidentally, there is a good chance that the TER will be lowered at some point in order to remain competitive.

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Lukas M.@Lukas2998

1Año

Take a look at the video: https://youtu.be/4T0oulT66ps?si=96on8eiFLhQi5Xr_ If you just leave it lying around, you can use it later to save on taxes when saving.

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IndexInvestorX@IndexInvestorX

1Año

https://www.finanzfluss.de/rechner/etf-wechseln/ might be of interest to you. You can enter your amounts there and see whether it would be worthwhile in your case.

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Vanguardium LeviOsa 🥪@Stullen-Portfolio

1Año

The difference between paying tax now or later on the previous price gains is just the compound interest on the previous price gains, isn't it? You would have to compare that with the TER saved, wouldn't you? Incidentally... ...the TER is significantly lower again at $PRAW or $PR1W. ...you would still have to pay the high TER if you left the previous ETF in place.

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