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Daniel
@Bidax
3Sem.·

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 . 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 (+0,12 %)

b) Vanguard FTSE Developed World UCITS ETF USD Dis. $VDEV (+0,06 %)

c) UniDynamicFonds: Global - -net- A EUR DIS $LU0096426845

d) SPDR MSCI ACWI IMI UCITS ETF USD Dis. $SPSA (+0,06 %)


Looking back over five years, I can only compare three, as the $SPSA (+0,06 %) 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 %

attachment

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


So if I now, and this is where the $SPSA (+0,06 %) 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 (+0,12 %) 8,20%

$VDEV (+0,06 %) 8,44%

$SPSA (+0,06 %) 8,24%

attachment

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


- $VWRL (+0,12 %) 132.60 euros (TER 0.22)

- $VDEV (+0,06 %) 102.83 euros (TER 0.12)

- $SPSA (+0,06 %) 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 (+0,06 %) 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

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30 Commentaires
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Nostradonkey💩@DonkeyInvestor
3Sem.
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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Daniel@Bidax
3Sem.
@DonkeyInvestor So were all my thoughts then back to square one? I was actually planning to invest in the $SPSA. But I'm not really sure after your answer
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Julian@MoneyISnotREAL
3Sem.
@Bidax The price of the shares is irrelevant.
Price gains or dividends are percentage-based, i.e. whether you divide your €6,000 into more or fewer shares is irrelevant, as 10% of €6,000 is always €600.

Which of the ETFs you take, whether $VWRL $VDEV or $SPSA, will only play a marginal role.

You should ask yourself, what do I want in the package?

- industrialized nations only = e.g. $VDEV
- Industrialized nations + emerging markets = e.g. $VWRL
- Industrialized + Emerging Markets + SmallCaps = e.g. $SPSA

To compare ETFs, you can google "ETF Finder Finanzfluss" and have a go there.
There you have the option of zeroing the ETFs "since inception", for example, so that the performance comparison is meaningful.
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Nostradonkey💩@DonkeyInvestor
3Sem.
@Bidax Here is an index comparison over 30 years between ACWI IMI, World IMI and EM IMI: https://www.msci.com/www/index-factsheets/msci-acwi-imi/09234846 . The World IMI was better than the ACWI IMI.

Your thoughts weren't stupid. Thinking, exchanging, learning, ... is the right way to proceed
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Nostradonkey💩@DonkeyInvestor
3Sem.
@Bidax Here is a long-term comparison with the MSCI World Index: https://www.msci.com/www/fact-sheet/msci-world-index/05830501

You can also take a look here:

Beat the MSCI World over the long term (>= 30 years) without any effort.

World vs. World Momentum Index
https://getqu.in/CDEnfS/

World vs. World Quality Index
https://getqu.in/HhbBYl/

World vs. World Value Index (+ conclusion)
https://getqu.in/TD3OT2/

And @MoneyISnotREAL is also right 👍
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Daniel@Bidax
3Sem.
@MoneyISnotREAL ok, then I obviously had an error in the system. I'll think about it again and leave my decision in an edit.

Thank you in any case for your effort to answer me in detail.

Happy holidays to you and your loved ones.
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Daniel@Bidax
3Sem.
@DonkeyInvestor Thank you very much once again. I am really happy to get food for thought from you. Unfortunately, I don't have anyone in my immediate environment with whom I could exchange ideas.

Happy holidays to you and your loved ones.
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Nostradonkey💩@DonkeyInvestor
3Sem.
@Bidax I didn't have either. It took me about 5-10 years until it was no longer all arbitrary. I know the Union Funds very well myself 😅
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Daniel@Bidax
3Sem.
@DonkeyInvestor I've read your Immofond 😅 I'll tell it like it is. I feel completely at home there too. That's just the way it is in my village. There's a Raiffeisen and/or a savings bank. At some point you'll end up at one of them. But I also really like dealing with people and that's why I wouldn't leave VR for anything else. It's just the deposit that's really difficult to keep. How did you get into the university stories?
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Nostradonkey💩@DonkeyInvestor
3Sem.
@Bidax There are still a few in the portfolio, which will also be gradually reallocated
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Daniel@Bidax
3Sem.
@DonkeyInvestor now let's get down to business, would you like to take a look at my portfolio and give me just a couple of tips? Please 🙏
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Voir toutes les 16 autres réponses
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Nico Uhlig@RealMichaelScott
3Sem.
$SPSA is certainly a good choice and the index is the same as $SPYI, which has been around since 2011. The only difference is that $SPSA pays out dividends and $SPYI reinvests.

You can read more about world ETFs here:

https://getqu.in/nN2cDl/ https://getqu.in/nN2cDl/
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Daniel@Bidax
3Sem.
@RealMichaelScott thank you 🙏 I came across the $SPSA through your post. Until now, I had my eye on $VWRL.
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SemiGrowth@SemiGrowth
3Sem.
if you want an "all world" index, the $VDEV is not the right choice as it only tracks industrialized countries. And as the others have already written, the price doesn't matter. Another thing to consider is the TER, i.e. the costs that are deducted annually from the performance
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