1Année·

Hello everyone! I would be interested to know how much you take the TER into consideration when choosing your ETF?

I am looking for my first ETF and $VDEV (-0,1 %) got stuck because the TER here is 0.12.

Looking forward to your answers.

#etfs

24 Commentaires

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@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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LeoHund@LeoHund

1Année

@cashwithhead Brutal TER

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LeoHund@LeoHund

1Année

@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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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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LeoHund@LeoHund

1Année

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

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LeoHund@LeoHund

1Année

@cashwithhead Thank you very much for your answers and willingness to write here. I am currently invested in 13 individual stocks, which I have always bought and added to depending on the price. Now I want to get more into automatism as I have less time to do stock picking. My goal was therefore to invest around €1000-1500 in an ETF via a savings rate. As I wasn't familiar with ETFs before, the initial question was which one. I then took the developed route and filtered via the TER. The result was Vanguard. Oh yes, it should be a distribution as I like to reinvest the money. I also don't want to change the ETF again after 10k, but prefer to have it changed.
I've seen that Prime pays a one-off distribution of €0.46 per share, while Vanguard pays a total of €1.55. I'm just wondering (if you scale up) what influence this could have. For everything else, the Prime is clearly the most attractive option.

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