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@cashwithhead the only possible downsides I can see are the fund size and age. Otherwise, the whole thing looks very interesting, or have I missed something in the brevity?

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GeldmitKopf@cashwithhead

1Année

@LeoHund The age doesn't really matter. The rear compartment size of the DIS is not a disadvantage either. I don't know how long you've been in the business, but at 500m+ it's no longer a small fund. Normally, anything over 100m+ is off the deadline. To do that in that amount of time is rather crazy when you consider that hardly anyone knows anything other than MSCI and FTSE. It's not as if many people know it. You can only find it if you explicitly search for global. But most people search for MSCI world or ... . All in all, the biggest problem tends to be Luxembourg. But since 23.07.2023 the tax rule has been changed so that it should now be on a par with Ireland. I'm definitely a fan of the Prime series, because I can tell you one thing: it doesn't get much cheaper than that. You have to set the index yourself to beat such a price

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LeoHund@LeoHund

1Année

@cashwithhead I had also heard about the 100 million, but thought I'd just ask. Thanks for the tip - I'll definitely take a closer look

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LeoHund@LeoHund

1Année

@cashwithhead How do you rate the distribution compared to Vanguard (quarterly)?

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GeldmitKopf@cashwithhead

1Année

@LeoHund the deviation, in absolute terms, is completely normal. To put the two on an equal footing, you would have to take 2.7 Primes against 1 Vanguard (in terms of price).
Percentage return is therefore more important and doesn't differ that much. This can come from the fact that a value may have a few 0.....% less in one index than in the other index. For example, 7 Apple and 2.5 Exxon against 6.8 Apple and 2.7 Exxon.
If this occurs more often, which is completely normal between the MSCI World, FTSE Developed or Prime Global, as each replicates a different index with minimal fluctuations, there may be a deviation.

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LeoHund@LeoHund

1Année

@cashwithhead and the annual distribution vs Q distribution of Vanguard. Do you see any downsides?

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GeldmitKopf@cashwithhead

1Année

@LeoHund That depends on the quarterly payout you have a lower duration. This is actually an advantage, but for whom? I would say that for you it is uninteresting whether the money comes 4 times or only once. The money is the same but is distributed differently. This can be good if, for example, you need to get the money back quickly because, for example, you bought with a loan and have to pay interest or you get 300 in dividends and want to buy something new with it.
However, it must be said that when the prime reaches 1 billion, it can also change to half-year or quarterly. This is usually only done if the sum is large enough. hardly anyone wants to have 2 cents 4 times but rather 8. at 4 € it can be different. It's worth paying out €1 4 times

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GeldmitKopf@cashwithhead

1Année

@LeoHund ask as much as you want I will be happy to answer everything. But the most important thing is to start. You only learn a lot later and preferences also change over time. Save with Prime, the cheapest or your Vanguard a little more expensive. If something changes, you can simply change the savings plan. It costs nothing. The main thing is that you don't make a big mistake, but you can't go far wrong with Prime or FTSE or MSCI world.

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Fabzy ✨@Fabzy

1Année

TER is not unimportant, because you can deduct the percentage from the return of the index that the ETF tracks.
However, since other factors also determine how well an ETF tracks an index, it is always worth taking a look at the so-called tracking difference.
Just google "World ETF Tracking Difference" to find out more.
The broker, fund volume and age can also play a role in the decision.
There are many good variants of the World ETF.

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LeoHund@LeoHund

1Année

@Fabzy Thanks for your reply and the tip. I was just wondering as the Vanguard seems very cheap at 0.12. Others have quite high costs at 0.5. I would be interested to know which ETF (Dist) you would take.

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Fabzy ✨@Fabzy

1Année

@LeoHund I can't make a recommendation because I chose my accumulator more than 2 years ago. Today at least I wouldn't just look at the TER.
In any case, should it only be a World without emerging markets or rather an All-World?

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LeoHund@LeoHund

1Année

@Fabzy in any case a distributor and preferably without emerging markets or with a small share like the Vanguard FTSE I posted

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Fabzy ✨@Fabzy

1Année

@LeoHund The one you posted is the Developed Markets, by definition excluding emerging markets.
More precisely, according to the FTSE definition, excluding emerging markets. MSCI, on the other hand, has its own definitions. For example, South Korea is an industrialized country in the FTSE Development and is therefore included, while it is an emerging country in the MSCI World and is therefore not included.
A distributing all-in-one solution that would certainly not go wrong would be $VWRL. So now the All-World with 10% emerging markets.

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LeoHund@LeoHund

1Année

@Fabzy thanks for your feedback, I'll be happy to take a look. Yes, emerging markets like to be defined :)
I'm actually looking for something to run a savings plan alongside my individual stocks into old age

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Oskar Siebels@oskaroderso

1Année

Within an index, it naturally makes sense to select the cheapest possible ETF. Have you already decided on an index?

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LeoHund@LeoHund

1Année

@oskaroderso I am fond of the Vanguard mentioned in the post

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