Andrea (@andmerl) en getquin

I've been asking myself a huge doubt for weeks:

The perfect allocation I want would be 40% $VTI (+0,05 %) and 60% $VXUS ... 2 ETFs, covering the large, mid and small-cap market, low purchase commissions, very low management costs (0.05% on average) and assets divided into only two instruments.

The cons of this allocation are having American distribution ETFs that pay me dividends in $ taxed at 26% immediately (living in Italy).

Perhaps, the most suitable alternative for a European investor would be to purchase 4 ETFs which, applying the right %, more or less replicate the allocation of the two above, with higher but more efficient management costs for passive investments (34% $CSUS (+0,07 %) , 40% $EXUS (+0,07 %) , 16% $XMME (-0,03 %) , 10% $WSML (+0,21 %) ).

Having the possibility to purchase both ETFs domiciled in Europe and USA, what would you do?

KingC@RaphGM

7Lun

European versions.

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Luke S.@Leonberger

Just buy ETFs based in Europe. But watch out for the tax laws/agreements Italy has with other countries. AS For Germans it is best to buy ETFs in Ireland in most cases.

EiBuffet@EiBuffet

Hmm.. little difficult. I‘m probability would go for the first allocation, but I would expect a lower return. But to me honest, I don’t think that the difference would be significant in return between these two scenarios

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