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Hey Stewie 👋 long time no see ❤️ Yes the Irish one has the withholding tax advantage on US stocks. Since the World is 65% US, that helps. Ultimately, the two ETFs can be compared by tracking difference to the index. The SPDR actually outperformed the index in 2021, but it was only launched in 2019, so it is still very young. The Amundi lagged the World, launched in 2018, so also young. In addition, both are synthetic. Why of all the two and not the $IWDA or the $LCUW? You still have a few decades of savings phase ahead of you, an ETF change can be made if you no longer feel comfortable with the current one.
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@Stewie yes, the $LCUW is in Luxembourg, but also 0.12% TER. Whether now 0.12% and without withholding tax advantage or 0.2% with withholding tax advantage ... no idea if there is a big difference. For me negligible and in the level of detail no criterion for ETF selection. Physically replicable ETFs hold exactly the shares that are included in the INdex. So shares are really bought and the ETF issuer and the companies are involved. With synthetic ETFs a third party comes into play with whom the issuer does swaps to replicate the index. I am not familiar with the details. Personally, I like it more when my ETF also gives me straight shares in the companies and there are not things going on in the background that I don't understand 😅. Of course you can't go wrong with synthetic ETFs and they are regulated, but when I decided back then, my choice was a physically replicating one. I don't want to make a recommendation, but I will say that there are more established world ETFs, whose fund volume is larger and which have been set up for a longer time and therefore the probability that they might be closed in the future is significantly lower. In the end, however, I am fully with @randomdude and that you should think about the ETF selection, but then not get lost in the details. Who knows what alternatives will be available in 10 years and rebalancing every year is not the way to go.
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@Fabzy okay thank you
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