Vanguard FTSE Developed World ETF D

ETF

ISIN: IE00BKX55T58

Ticker: VDEV

IE00BKX55T58

VDEV

Price

Discussion sur VDEV

Postes

Simone🤷🏼‍♀️

@TheCleaningLady

2Sem.·

I just can't decide: All-World or World?

After @FKabs kindly and with sound knowledge about the intricacies of the Austrian tax system, I have finally moved away from Amundi and will definitely be adding a Vanguard product to my portfolio.

Now I'm only wavering between the Vanguard FTSE All-World $VWRL (+1,33 %) and the Vanguard Developed World $VDEV (+1,36 %) as the long-term core for my portfolio.

Do I really need the emerging markets at the core?

If an emerging market performs well in the long term, it will move up into the World at some point anyway, so it would then automatically be included in the VDEV. Is the small EM component in the VWRL (approx. 10%) worthwhile for this or is it more of a drag on returns?

Or do I get the best of both worlds with a lower average TER by simply adding the $VFEM (+0,31 %) with e.g. 10% added?

Questions upon questions. Everything is open to me.

How do you see it? Has anyone gone through a similar consideration?

Please help

Simone🤷🏼‍♀️

@TheCleaningLady

2Sem.·

My first step

Hello everyone,

A few days ago I asked here for tips on how to get started and I have collected a lot of great experience reports and information.

Thank you very much!

After a lot of back and forth, I have now decided on the Amundi Prime all Country $WEBG (+1,2 %)

Why did I choose it of all funds?

Firstly, it is the cheapest ETF in this category and secondly, I have looked into the taxes a little more and as far as I understood correctly, in Austria you would be asked to pay the tax office once a year to pay an advance lump sum on the reinvested dividends/distribution-equivalent income.

Conversely, this means that a tax deferral of a maximum of 12 months is possible in Austria.

If I had taken an ACC, I would have to pay tax once a year and transaction fees on withdrawal.

But if you take a Dist, like the Amundi, which pays out once a year, you have the best of both worlds: maximum compound interest thanks to a 12-month tax deferral and instead of the tax on the distribution-equivalent income, you have the distribution, with the same tax burden but no transaction costs.

I hope I have not made a mistake in my thinking and that my sources have provided up-to-date information.

So please feel free to prove me wrong

Have a nice evening

04.06

Amundi Prime All Country World ETF

Acheté x190 à 10,52 €

1 998,61 €

2 Commentaires

Tobi60@Tobi60

2Sem.

$VWRL and that's it. No rebalancing, no pondering, just put in as much as you can.
And stick with it for years and don't rebalance after 3 months because you read something about a 3GTAA strategy or something like that

•

Nova

@Nova_portfolio

3Mo·

Looking for input

So I just realised that I've been investing for exactly 1 year and 1 week, so I thought this would be a good moment to reflect. I'm 36, the total portfolio size is 50k+ and the money isn't needed in short term. My portfolio summarised:

1. ETF core, 50% at minimum: $VDEV (+1,36 %) and $VFEM (+0,31 %) , recently added $EUE (+0,03 %) as I see more potential in the EU than in the US in the short-medium term. I like how a combination of these 3 ETFs allows for more adaptability than simply putting everything in a world ETF. Plus, the TER is a bit lower.

2. Individual stocks, max 10 positions, only including companies that I understand and have faith in that they will perform well in the next couple of years. The goal is to at least match $IWDA (+0,26 %) but preferably to make some additional gains. In summary:

Tech:

$NVDA (-1,17 %) : committed after the post-Deepseek dip, will just wait out all the short-term turbulence

$AMZN (-0,52 %) : doesn't need additional info.

$ASML (+0,24 %) : ditto

$VRT (+0,92 %) : see one of my previous posts on GQ. Bit too volatile for me now, but when the AI-hype picks up again, will perform well.

Health:

$NVO (-1,61 %) : I have a lot of faith in the GLP1-narrative, stock is very undervalued

$LLY (-1,85 %) : same at NVO, got pummeled hard recently but in longer term another good bet in the GLP1-race.

Divident:

$ALV (+2 %) : popular German insurance company. Divident-wise, I have more faith in insurance companies than banks. Banks also face more headwinds due to fintech.

$ASRNL (+0,29 %) : comparable to Allianz, solid, no-nonsense Dutch insurance company.

Bit more speculative:

$NU (-0,19 %) : I think fintech has a lot of potential and NU was valued quite cheaply compared to US- or EU-based counterparts. Could benefit from US recession if USD evaluates.

What are your thoughts? What would you add or lose? I'm thinking of adding $GOOG (-3,24 %) when the current downtrend subsides. Does make the portfolio more tech-heavy but all companies are internationally oriented (in case of US recession) and should outperform in the longer term.

Thanks in advance!

12Positions

3,21 %

11 Commentaires

CaptainRTL@CaptainRTL

2Mo

That's quite an interesting strategy you're following. With individual stocks, you should check the weighting of your ten positions once a year and see if any rebalancing is necessary. And as I see it, 50% is in ETFs. A classic core-satellite strategy.

I don't know how much money you have invested, but if it's less than €10,000, I would recommend building a solid foundation with ETFs first and gaining some experience.

Additionally, I would stick with the strategy you have now and not abandon it too quickly. Constantly switching back and forth rarely leads to success, so stay the course.

If your individual stock positions are only around €100 each, or even less, I would simply put that money into an ETF instead.

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Tojasoku

@Tojasoku

4Mo·

Best world ETFs for the Swiss

Hello everyone,

I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:

Dividends are taxed as income in Switzerland (even for accumulating ETFs). So ultimately it doesn't matter for tax purposes whether you have a distributing or accumulating ETF.
Access to American ETFsas not a member of the EU and therefore access to significantly cheaper ETF alternatives (e.g. $VT (-0,17 %) ).
Agreement between the USA and Switzerland reduces the US withholding tax from 30% to 15%. The remaining 15% can be claimed in the tax return for American ETFs.
In the case of high to very high assets, ETFs with an American fund domicile may be taxed by the IRS for tax purposes.
In the case of inheritance it could be a documentary/bureaucratic challenge for the surviving dependants with the IRS to transfer the ETFs with American brokers (classic #ikbr ).
From a tax perspective, Irish ETFs are the most interesting after American ETFs due to the agreement between Ireland and the USA to reduce withholding tax from 30% to 15%. However, the remaining 15% cannot be claimed on the tax return.

For some years now I have been investing in the MSCI World $XDWD (+0,23 %) (World Industrialized Countries) and not too long ago the AC World $XMAW (+1,22 %) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (-0,17 %) or $at 0.06%).

Irish alternatives would be the $WEBG (+1,2 %) (TER 0.7%, distributing, All-World), $UBU7 (+0,16 %) (TER 0.10%, distributing, MSCI-World), $VDEV (+1,36 %) (TER 0.10%, distributing, industrialized countries) or $XDWL (+0,4 %) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (+0,23 %) ).

Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?

41 Commentaires

Kate🦋@Iwamoto

4Mo

*Salut 🤫

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Daniel

@Bidax

5Mo·

Your expertise is needed... 🙏

Hello Quinies...

It's me again. I already introduced myself today and told you a bit about myself. You can find the post here: https://getqu.in/ky5xnt/

The current "anchor" in my portfolio is supposed to be an "All-World". At the moment it's a fund $LU0096426845 (+0,2 %) . With a TER of 2.5% and a management fee of 1.55%, it is quite expensive in comparison. I know that. That's why I want to reallocate the roughly 6K soon.

I've been thinking a lot about what my main position should be now. That's why

I have compared the fund with three ETFs. I would like to find out, and I am also hoping for your expertise, what my value of choice should be now.

a) Vanguard FTSE All-World UCITS ETF USD Dis. $VWRL (+1,33 %)

b) Vanguard FTSE Developed World UCITS ETF USD Dis. $VDEV (+1,36 %)

c) UniDynamicFonds: Global - -net- A EUR DIS $LU0096426845 (+0,2 %)

d) SPDR MSCI ACWI IMI UCITS ETF USD Dis. $SPSA (+1,21 %)

Looking back over five years, I can only compare three, as the $SPSA (+1,21 %) was only launched on

03.07.2024 was launched. However, I will come back to this ETF later.

All of the aforementioned positions invest very similarly in international equities and the top 10 stocks are also very similar. At least that's how I see it.

5-year performance

a) +80,68 %

b) +72,64 %

c) +105,94 %

MAX performance

a) +326,08 %

b) +229,76 %

c) +120,36 %

Ergo, in the long term it pays to switch to ETFs.

So if I now, and this is where the $SPSA (+1,21 %) comes into play, compare the ETFs, here only the period from 05.07.2024 - 24.12.2024 is possible, all three have a very similar performance.

$VWRL (+1,33 %) 8,20%

$VDEV (+1,36 %) 8,44%

$SPSA (+1,21 %) 8,24%

Now comes part 2 of my consideration. The "purchase price".

- $VWRL (+1,33 %) 132.60 euros (TER 0.22)

- $VDEV (+1,36 %) 102.83 euros (TER 0.12)

- $SPSA (+1,21 %) 10.10 euros (TER 0.17)

Conclusion (mine):

If I am not completely wrong and have overlooked another stock market detail, it would therefore be right to invest the money in the $SPSA (+1,21 %) as I can simply buy more shares here and would therefore benefit more from growth.

What do you think?

I look forward to your feedback.

Thank you very much.

Greetings

Daniel

30 Commentaires

Pope Donkey XXI@DonkeyInvestor

5Mo

First of all, it's great that you're taking the next step. Here are a few tips from me:

5 years is not really a meaningful comparison period. It should be 20 years or more. But this is difficult with the vast majority of ETFs. That's why it's usually better to compare the underlying indices.

How high the absolute price is (and therefore how much you put into your portfolio) is completely irrelevant. 10% profit is 10% profit

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Boutiquedeinvestimento

@Boutiquedeinvestimento

6Mo·

US stock market capitalization accounts now for 74% of the MSCI World Index. New ATH.

Since the end of the 2008 Financial Crisis, this percentage has increased by ~25 points. By comparison, Europe and Japan’s share have dropped by ~15 and ~5 percentage points, respectively.

As a result, the US' share of global market cap is now 4 times larger than Europe and Japan combined.

This comes as the S&P 500 has rallied 450% over the last 15 years compared to a 70% and 310% gain of the Euro Stoxx 50 and Nikkei 225.

Source: The Kobeissi Letter, SG Cross Asset Research, Factset

$IWDA (+0,26 %)
$CSPX (+0,2 %)
$VDEV (+1,36 %)
$VUSA (+0,14 %)
$SPPW (+0,05 %)
$SPYL (+0,54 %)
$HMWO (+0,39 %)
$VJPN (-1,14 %)
$LCUJ (-1,15 %)
$DBXJ (-1,17 %)

5 Commentaires

Filipe@fpena

6Mo

S&P500 is king.

•

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Waldemar

@Wowa83

8Mo·

I don't think there is much more growth in the position.

Will be reallocated to $VDEV (+1,36 %)
$TDIV (+1,23 %)
$SEDY (-0,58 %)
$BTO (-0,89 %)
$NSRGY (-1,93 %) .

28.09

BAE Systems

a vendu x343 à 14,85 €

5 093,55 €

149,84 %

13 Commentaires

Kate🦋@Iwamoto

8Mo

What is the basis for your assumption that BAE's growth is over?

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David

@Acer

10Mo·

Where to park €250,000 in the short term?

I need some input for the above mentioned "problem 😅"

I actually won 250k in the Eurolotto on Friday. Now the big question for me is what to do with the money.

I've been self-employed for 4 years and now have a good 6k annual income. My savings rate in ETFs etc is now 3k a month.

I'm 34 and my girlfriend is 33 and we're about to have a child and possibly buy our own home.

TradeRepublic still offers 3.75% on call money, so I would park 100k there until the statutory deposit guarantee is reached, but what do I do with the rest? To another call money or $XEON (-0 %) or $VDEV (+1,36 %) although the investment period is probably too short for the latter.

Thanks for your input

23 Commentaires

GeldGenie@GeldGenie

10Mo

Congratulations!

I would divide as follows:
- 50k invest in the market
- Keep 100k in cash for now (fixed deposit 3-6 months) - get used to the money and make plans.
- 60k - 100k invest in the business (machinery, increase staff,...), this is where you will achieve the best return (if successful).
- 0 - 40k over 12 months increase the savings rate.

Edit: But the question is how the profit relates to the net assets. If you already have 1 million on the side anyway, I would be more aggressive with the money. But if the 250k is a multiple of the NV, I would want to put more aside for the house/child/family.

GG

•

Dirkuules

@Dirkuules

1Année·

1 year stock market anniversary🎊

Presenting my portfolio today. I have been investing diligently for a year now. Started reading books at the beginning of last year, then started my own portfolio in April.

Briefly about me, 26 years young, married, 1 child (will be 1 next month), own home (just under 2 hectares of land in a small village, just under 300 square meters of living space)

Over the course of the year, I've worked out a strategy that I can sleep well with.

-10k in $XEOD (+0 %) as a substitute for daily allowance. (5 net salaries)

-The remaining 20k are divided as follows:

35% $VDEV (+1,36 %)
30% $IUSA (+0,05 %)
15% $GGRP (-0,2 %)
10% individual shares (should become a maximum of 10 shares over the years)
5% $EWG2 (-0,05 %)
5% $BTC (+0,7 %)

Savings plans are currently at 300€.

I am very happy with it and for the first year I have achieved a performance of just under 10% (the $XEOD (+0 %) is included). I'm happy with it, especially as the first year was more of a discovery phase for me.

I'm open to constructive criticism!

4 Commentaires

1Année

Looks good in principle. But there is a lot of overlap in the ETFs. And the weighting of BTC and gold is rather homeopathic. Perhaps we could optimize here.

•

Lama

@MLana

1Année·

Good morning,

I need your advice. My father still has 10 years until he retires. Do you think it still makes sense to invest? He is not "rich". He would invest without any initial capital and only a small monthly savings installment. As it's his hard-earned money, I'm very worried. I hope you can help us and I am also interested in your opinion.

1. most people recommend a holding period of 15 years for ETFs. Is 10 years until retirement too risky for ETFs? But I mean, you don't have to liquidate your portfolio as soon as you retire.

2. neobroker or direct bank? More precisely TR or Finanzen.net Zero or ING? I find the costs of ING high during the savings phase. But I don't know, is a direct bank "safe"?

3. which ETF? MSCI World or FTSE Allworld? I like the $VDEV (+1,36 %) . Is there anything against it?

And finally, thanks for reading. 😅

21 Commentaires

KingC@RaphGM

1Année

If I were in this situation, this is what I would do:
1. since he didn't invest earlier, and it's a bit too late to benefit from the compound interest effect.
Therefore, I would go directly into a 100% fixed income (pension fund) portfolio, with monthly distributions, and reinvest the distribution until retirement, and then simply enjoy it.
At ING there are many free and low-cost savings plan options from Vanguard for such monthly fixed income solutions.
2. i wouldn't use a neobroker at all, no matter how cheap they are.
I personally would rather go with an old and established bank, and if possible a systemic bank (just check the list on the internet).
Nobody would care if TR or Scalable went bankrupt one day, but ING, Deutsche Bank or BNP Paribas would be a different story.
At such ages, you need stability and security.
3. see answer n°1, have a look at ING and search e.g. for distributing pension funds from Vanguard e.g. But other brokers also have very good options.

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