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Tom911
@Tom911
9Mes·

$DBXW (-0,4%) I have been saving in this ETF fund for several years. I now have a good €24k there. Total return 43%


Now I'm thinking about whether it makes sense to switch to a cheaper ETF savings plan.



What do you think? Is it worth it in the long term?

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Das Portfoliopferd@Portfoliopferd
9Mes
Have a look at finanzfluss.de where I think there are calculators
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GeldmitKopf@cashwithhead
9Mes
It depends on how many years you continue to invest.

"You would save €96.00 a year by switching ETFs. Switching to the cheaper ETF would generate costs of -€2.00 and taxes of -€1,994. You would have earned these back after 21 years through the savings". Source: Finanzfluss (here the further investment was not taken into account, but it is important!)

This is with taxes but without the tax-free allowance. This would reduce your tax burden.
If you continue to invest, the time to net savings goes down and it is worth switching more and more.

This means that if you keep throwing in €100 every month, you will significantly reduce the years.
As an example with a tax-free amount, it's worth switching after 18 years.
With €100 per month, I think you'll end up with 13 or 14 years.
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Beat The Bank@randomdude
9Mes
Simply leave it and save in a cheaper one from now on.
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