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1Année·

I've recently started thinking about my ETF again, which I've been saving for a while. I have just read that it makes a difference for tax purposes where the fund domicile is. In Ireland you have a tax advantage.

My current ETF (WKN A2ATYV) has a TER of 0.18% and is domiciled in Luxembourg.

But now I found an ETF from SPDR, which has a TER of 0.12% and is based in Ireland (WKN A2N6CW).

Of course, I am now thinking of simply exchanging my current Amundi for the SPDR, because it seems more advantageous to me in the long term.

Am I overlooking something or can my thought be approved? Can vlt someone look over both ETFS, am there not so the mastermind 🤫

38 Commentaires

Fabzy ✨@Fabzy

1Année

Hey Stewie 👋 long time no see ❤️ Yes the Irish one has the withholding tax advantage on US stocks. Since the World is 65% US, that helps. Ultimately, the two ETFs can be compared by tracking difference to the index. The SPDR actually outperformed the index in 2021, but it was only launched in 2019, so it is still very young. The Amundi lagged the World, launched in 2018, so also young. In addition, both are synthetic. Why of all the two and not the $IWDA or the $LCUW? You still have a few decades of savings phase ahead of you, an ETF change can be made if you no longer feel comfortable with the current one.

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Stewie G.@Stewie

1Année

@Fabzy so the $LCUW is from Luxembourg, that's why I don't have it. And what is the big advantage of non-synthetic ETFs? The $IWDA is physical so would you rather recommend that?

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Fabzy ✨@Fabzy

1Année

@Stewie yes, the $LCUW is in Luxembourg, but also 0.12% TER. Whether now 0.12% and without withholding tax advantage or 0.2% with withholding tax advantage ... no idea if there is a big difference. For me negligible and in the level of detail no criterion for ETF selection. Physically replicable ETFs hold exactly the shares that are included in the INdex. So shares are really bought and the ETF issuer and the companies are involved. With synthetic ETFs a third party comes into play with whom the issuer does swaps to replicate the index. I am not familiar with the details. Personally, I like it more when my ETF also gives me straight shares in the companies and there are not things going on in the background that I don't understand 😅. Of course you can't go wrong with synthetic ETFs and they are regulated, but when I decided back then, my choice was a physically replicating one. I don't want to make a recommendation, but I will say that there are more established world ETFs, whose fund volume is larger and which have been set up for a longer time and therefore the probability that they might be closed in the future is significantly lower. In the end, however, I am fully with @randomdude and that you should think about the ETF selection, but then not get lost in the details. Who knows what alternatives will be available in 10 years and rebalancing every year is not the way to go.

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Stewie G.@Stewie

1Année

@Fabzy okay thank you

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ToDaMoon@randomdude

1Année

I can't even find the Amundi ETF at extraetf 🤔 Basically, I wouldn't worry about such details. In the next few years there will be many more products coming on the market that seem more attractive than what you have. Should you question everything every time, even though the newer alternative has no significant impact on the overall result?

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Yannik@BottomTopInvest

1Année

No tax advice, just my little knowledge! Basically it is true about Ireland, but there is also the possibility with swappers that with certain points recognized by you USA, which must be met, the withholding tax is completely omitted. I recently heard this at Finanzfluss, but as I said I can not give any reliable information. LG

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1Année

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Fabzy ✨@Fabzy

1Année

@oliverplass Oh Oli 😅 don't you have to get something done by tonight? 😘

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Nostradonkey💩@DonkeyInvestor

1Année

@oliverplass Taxes are many things, but not robbery

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Enrique@Dividenden_Monteur

1Année

@oliverplass are taxes also robbery if you are allowed to take advantage of the free health care system?

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Nostradonkey💩@DonkeyInvestor

1Année

@oliverplass sorry, could not finish reading it. Halfway through, my puke bucket was full and when I emptied it, I didn't know where I was. Rarely read such a bullshit. Not only the content, but also the didactic "preparation" speaks for itself 🤮 The article is so bad, I have absolutely no motivation to discuss. And I usually discuss every shit

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DerMartin@DerMartin

1Année

@oliverplass Very briefly guessed, I find Michael Wendler in the sources.

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Enrique@Dividenden_Monteur

1Année

@oliverplass ever seen a hospital bill from the U.S. And yes, I look at it every month and the 42% still doesn't make me poor 🫠

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