10H·

Your opinion is needed ☺️

Hi together

My wife and I are currently saving $VWCE (+0,55 %) with 214 euros per month and an annual increase of 5% with ING. Current portfolio value 2600 euros.

However, I am also interested in the $TDIV (+0,3 %)

My plan would be to save 100 euros a month in the ETF via Scalable free of charge and then transfer the shares to ING once a year.

Is my idea a good one?

Is 100 euros a month too much?

I find the $TDIV (+0,3 %) very interesting in terms of lowering the US share from the all World. The performance is also strong in my opinion and opinions on the ETF are generally positive. The dividend yield is also decent without neglecting the price growth.

In my view, a good ETF that fits well as an addition to the All World. If it weren't for the issue of weighting and the level of the savings rate. I hope someone can share Eitel's useful opinion ☺️👍

7 Comentarios

Philip Buß@GoldenShield

10H

In my view, it also depends on your age. If your investment horizon is 20+ years, then you will be much better off with the All World in terms of returns.
It can make sense to use a distributing ETF to take advantage of the tax-free allowances

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Frank551@Frank551

10H

@GoldenShield Thank you for your answer. Investment horizon would indeed be 20+ for both. But we have not used the FSA so far (except for the upfront lump sum)

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GreenWash@GreenWash

10H

Yes, it's a good ETF. But I would only invest in it if I have used up my exemption order because of the withholding tax (fund domicile NL)
If the US portion is too high for you, you can also bring it down with an MSCI World-Ex USA.
However, I would simply stick with $VWCE in terms of weighting. The weighting adjusts automatically.

Why do you want to transfer the shares to ING? So what advantage do you see there?

If you want to build up passive income, $TDIV is a great ETF. But you have to bear a 15% withholding tax deduction.

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Frank551@Frank551

10H

@GreenWash Thank you for your reply 👌☺️
So far, we have only used the FSA for the advance lump sum.

I actually think dividends are great. I once briefly had an ETF that paid out monthly. It was great! But the ETF was otherwise total crap as there was virtually no price appreciation possible. More like losses.... That's why I went looking for a good distributor and came across $TDIV.

I would transfer the shares to ING because that's where our joint custody account is and that's also where the all world is held. Unfortunately, the Van Eck is not eligible for a savings plan at ING and is not free of charge. Hence the transfer.

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Frank551@Frank551

10H

@GreenWash Does it make sense to include the MSCI ex USA in the portfolio as a supplement to the all world?

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Maverick@Pete_Mitchell

10H

@Frank551 If you want to reduce your US quota, it clearly makes sense to additionally save the ex USA or exchange part of it.

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Florian@FLA

I also have the $VWCE in my monthly savings plan. I currently buy the $TDIV with individual purchases when I see good buying opportunities. But I've also been thinking about opening a savings plan for a while now. In any case, I think the combination is great, and the dividends are also motivating as they increase every year in the long term.

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