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Honestly, take the $VWRL as the main etf and the $TDIV as the dividend etf. 🤝
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@Jonny45810 why not $ISPA instead of $TDIV, he is from Germany and so is ISPA. The Dutch ETF is great, but the 15% withholding tax is annoying. Without that tax, I believe, the TDIV fund would become the biggest dividend ETF in Europe as Van Eck is really delivering with that ETF (and with their other ETFs as well).
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@JorisInvests
That's a very good point! I didn’t really consider the impact of the Dutch with holding tax before. ISPA might indeed be a better fit for someone in Germany, while TDIV still looks very strong overall. I guess it comes down to whether you want to optimize for taxes or just go with the broader popularity of TDIV.