Daniel (@Bidax) su getquin

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 (-1,05%)

b) Vanguard FTSE Developed World UCITS ETF USD Dis. $VDEV (-1,05%)

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

d) SPDR MSCI ACWI IMI UCITS ETF USD Dis. $SPSA (-1,6%)

Looking back over five years, I can only compare three, as the $SPSA (-1,6%) 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 %

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

So if I now, and this is where the $SPSA (-1,6%) 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 (-1,05%) 8,20%

$VDEV (-1,05%) 8,44%

$SPSA (-1,6%) 8,24%

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

- $VWRL (-1,05%) 132.60 euros (TER 0.22)

- $VDEV (-1,05%) 102.83 euros (TER 0.12)

- $SPSA (-1,6%) 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 (-1,6%) 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

Philosophsel💩@DonkeyInvestor

1Settimana

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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Nico Uhlig@RealMichaelScott

$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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SemiGrowth@SemiGrowth

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

Your expertise is needed... 🙏