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@cashwithhead Brutal TER
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@LeoHund yes sir
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11Mes
@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 The age doesn't really matter. The rear compartment size of the DIS is not a disadvantage either. I don't know how long you've been in the business, but at 500m+ it's no longer a small fund. Normally, anything over 100m+ is off the deadline. To do that in that amount of time is rather crazy when you consider that hardly anyone knows anything other than MSCI and FTSE. It's not as if many people know it. You can only find it if you explicitly search for global. But most people search for MSCI world or ... . All in all, the biggest problem tends to be Luxembourg. But since 23.07.2023 the tax rule has been changed so that it should now be on a par with Ireland. I'm definitely a fan of the Prime series, because I can tell you one thing: it doesn't get much cheaper than that. You have to set the index yourself to beat such a price
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@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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@cashwithhead How do you rate the distribution compared to Vanguard (quarterly)?
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@LeoHund the deviation, in absolute terms, is completely normal. To put the two on an equal footing, you would have to take 2.7 Primes against 1 Vanguard (in terms of price).
Percentage return is therefore more important and doesn't differ that much. This can come from the fact that a value may have a few 0.....% less in one index than in the other index. For example, 7 Apple and 2.5 Exxon against 6.8 Apple and 2.7 Exxon.
If this occurs more often, which is completely normal between the MSCI World, FTSE Developed or Prime Global, as each replicates a different index with minimal fluctuations, there may be a deviation.
Percentage return is therefore more important and doesn't differ that much. This can come from the fact that a value may have a few 0.....% less in one index than in the other index. For example, 7 Apple and 2.5 Exxon against 6.8 Apple and 2.7 Exxon.
If this occurs more often, which is completely normal between the MSCI World, FTSE Developed or Prime Global, as each replicates a different index with minimal fluctuations, there may be a deviation.
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11Mes
@cashwithhead and the annual distribution vs Q distribution of Vanguard. Do you see any downsides?
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@LeoHund That depends on the quarterly payout you have a lower duration. This is actually an advantage, but for whom? I would say that for you it is uninteresting whether the money comes 4 times or only once. The money is the same but is distributed differently. This can be good if, for example, you need to get the money back quickly because, for example, you bought with a loan and have to pay interest or you get 300 in dividends and want to buy something new with it.
However, it must be said that when the prime reaches 1 billion, it can also change to half-year or quarterly. This is usually only done if the sum is large enough. hardly anyone wants to have 2 cents 4 times but rather 8. at 4 € it can be different. It's worth paying out €1 4 times
However, it must be said that when the prime reaches 1 billion, it can also change to half-year or quarterly. This is usually only done if the sum is large enough. hardly anyone wants to have 2 cents 4 times but rather 8. at 4 € it can be different. It's worth paying out €1 4 times
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•@LeoHund ask as much as you want I will be happy to answer everything. But the most important thing is to start. You only learn a lot later and preferences also change over time. Save with Prime, the cheapest or your Vanguard a little more expensive. If something changes, you can simply change the savings plan. It costs nothing. The main thing is that you don't make a big mistake, but you can't go far wrong with Prime or FTSE or MSCI world.
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