Vanguard has announced that it will reduce the costs (TER) for 7 ETFs from October 7, 2025. This is an advantage for us and especially for long-term investors.

Which ETFs are affected? 📌

Vanguard FTSE All World UCITS ETF ($VWRL (-0,27%) ) 0,22 % → 0,19 %

Vanguard FTSE North America UCITS ETF ($VNRT (-0,45%) ) 0,10 % → 0,08 %

Vanguard FTSE Emerging Markets UCITS ETF ($VFEM (-0,38%) ) 0,22 % → 0,17 %

Vanguard ESG Emerging Markets All Cap UCITS ETF ($V3AA (-0,42%) ) 0,24 % → 0,19 %

Vanguard FTSE Japan UCITS ETF ($VJPN (+0,73%) ) 0,15 % → 0,10 %

Vanguard FTSE Japan UCITS ETF ($VJPE (+0,34%) ) 0,20 % → 0,15 %

Vanguard Germany All Cap UCITS ETF ($VGER (+0,3%) ) 0,10 % → 0,07 %

And on top of that, there was also a nice dividend today on the ($VWRL (-0,27%)) 🤩

https://www.de.vanguard/professionell/insights/wir-haben-die-kosten-unserer-etfs-gesenkt-schon-wieder

Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (-0,27%)

Option 2:

50% $VUSA (-0,49%)

15% $EIMI (-0,1%)

15% $VEUR (+0,59%)

5% $VJPN (+0,73%)

5% $VAPX (-1,01%)

10% $WSML (-0,11%)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (-0,27%) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

Hello, I have had the $VJPN (+0,73%) Vanguard FTSE Japan ETF in the Dist variant in my portfolio.

The performance is so-so, especially in the last year significantly weaker than e.g. S&P500 or all World.

Then I ask myself whether the demographic development in Japan is likely to improve at all in the future.

So what to do with the ETF? In view of the price return, the taxes on a sale would be tolerable, but then where to put it? I am thinking of investing in a dividend ETF that also offers upside potential. But I don't know of any, as I haven't dealt with dividend ETFs before. But some additional cash flow wouldn't be bad either. The Japan ETF also pays out dividends, but not too much. Overall, the position is not too large either.

A few suggestions are welcome.

Then I will also start to overweight the Japanese market - first tranche.

@GoDividend 🥴 Unfortunately, I have not yet had the time to familiarize myself with individual stocks... but maybe it will come.

At least I have now started with Japanese chocolate specialties 🤣...Royce is unfortunately not on the stock exchange, otherwise that would be my favorite.

Hello. after reading along for a while, now my first post and immediately a question to the community.

I would like to start one or more etf savings plans. My idea would be the following:

100€ per week divided into $VUSA (-0,49%) 40€, $VEUR (+0,59%) 30€, $VAPX (-1,01%) 20€, $VJPN (+0,73%) 10€.

Does this make sense or is it better to save only one etf e.g.: $VDEV (-0,47%) . My thought is that the USA share is always too high for me with the whole world etfs and I can determine / control the distribution with the 4 etf variant. I am curious about your feedback and thank you in advance.