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niemalsinsolvent
@niemalsinsolvent
1Année·

Investment decision Europe ETFs

Hi everyone, I would like to minimize the currently high USA load in my ETF savings plan ($XDWD (+0,4 %) with 67% USA) and therefore ask for your opinion on the following Europe ETFs


> $XMEU (-0,02 %) - Broadly diversified Europe ETF with approx. 10% return over 1 year


> $XESC (+0,35 %) - Only 50 positions, so riskier but also had a slightly better return...


As the savings plan is planned for the very long term, I'm leaning towards the $XMEU (-0,02 %) but what would you do?


P.S.: DWS ETFs as these can be saved in free of charge with my Deutsche Bank Junior custody account

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14 Commentaires
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Tobi_Calminvest@Tobi_Calminvest
1Année
$LYX0Q0 lower TER at 0.07 and slightly more diversified with 600 companies
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Tobi_Calminvest@Tobi_Calminvest
1Année
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niemalsinsolvent@niemalsinsolvent
1Année
@Tobi_Calminvest right, TER is lower but does that matter if the $XMEU is free of charge, at least for me, or does that have nothing to do with it? Thanks for your answer
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All-in-or-nothing@All-in-or-nothing
1Année
@niemalsinsolvent TER indicates the ongoing costs of the product, so it does make a difference😉
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Tobi_Calminvest@Tobi_Calminvest
1Année
@niemalsinsolvent ah sorry, I missed your last sentence about your special conditions. Then of course $XMEU is better for you! Brilliant that you are starting to invest so seriously and thoughtfully so early on!
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All-in-or-nothing@All-in-or-nothing
1Année
@Tobi_Calminvest "Can be saved free of charge" only means that there is no order fee for the execution of the savings plan. TER depends on the product, unfortunately nobody will tell you erlassen🤷🏼‍♂️.
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niemalsinsolvent@niemalsinsolvent
1Année
@Tobi_Calminvest All good! And thank you for your praise 🙏
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niemalsinsolvent@niemalsinsolvent
1Année
@PassiveInvest Yes, D.B. states that this product costs no commission / third party contribution / front-end load up to €250 per month and that all costs incurred are "canceled" directly with the securities order.
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All-in-or-nothing@All-in-or-nothing
1Année
@niemalsinsolvent confirms my assumption. Since the stated TER is an ongoing cost that is not related to the purchase, you will unfortunately not receive a waiver. So take a look at the TER before setting up the savings plan😉.
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niemalsinsolvent@niemalsinsolvent
1Année
@PassiveInvest good to know, thank you
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All-in-or-nothing@All-in-or-nothing
1Année
@niemalsinsolvent Sure, not for that.
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Timo@TimoBrod
1Année
Why Europe? Your ETF already contains this share. Why not add an EM ETF at 10-20%? $XMME
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niemalsinsolvent@niemalsinsolvent
1Année
I haven't looked into EM that much yet and think that Europe is doing quite well. And I think the high US burden is simply too high.
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All-in-or-nothing@All-in-or-nothing
1Année
@TimoBrod or simply take an all world etf, then you have a good 10% EM share at dabei🤷🏼‍♂️.
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