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niemalsinsolvent · 2024-01-09T17:45:00.682618Z

Investmententscheidung Europa ETFs Tach zusammen, würde in meinem ETF Sparplan gerne die aktuell hohe USA Last etwas minimieren ($XDWD mit 67% USA) und frage deshalb nach eurer Meinung zu den Folgenden Europa ETFs > $XMEU - Breit gestreuter Europa ETF mit ca. 10% Rendite auf 1 Jahr > $XESC - Nur 50 Positionen, also Riskobehafteter aber hatte auch eine etwas bessere Rendite... Da der Sparplan sehr langfristig geplant ist, tendiere ich zum $XMEU , aber was würdet ihr machen? P.S.: DWS ETFs da diese mit meinem Deutsche Bank Junior Depot kostenfrei besparbar sind

niemalsinsolvent

@niemalsinsolvent

1Anno·

Investment decision Europe ETFs

Hi everyone, I would like to minimize the currently high USA load in my ETF savings plan ($XDWD (+0,4%) with 67% USA) and therefore ask for your opinion on the following Europe ETFs

> $XMEU (-0,02%) - Broadly diversified Europe ETF with approx. 10% return over 1 year

> $XESC (+0,35%) - Only 50 positions, so riskier but also had a slightly better return...

As the savings plan is planned for the very long term, I'm leaning towards the $XMEU (-0,02%) but what would you do?

P.S.: DWS ETFs as these can be saved in free of charge with my Deutsche Bank Junior custody account

14 Commenti

Tobi_Calminvest@Tobi_Calminvest

1Anno

$LYX0Q0 lower TER at 0.07 and slightly more diversified with 600 companies

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Tobi_Calminvest@Tobi_Calminvest

1Anno

@Tobi_Calminvest Korrektur $MEUD

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niemalsinsolvent@niemalsinsolvent

1Anno

@Tobi_Calminvest right, TER is lower but does that matter if the $XMEU is free of charge, at least for me, or does that have nothing to do with it? Thanks for your answer

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All-in-or-nothing@All-in-or-nothing

1Anno

@niemalsinsolvent TER indicates the ongoing costs of the product, so it does make a difference😉

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Tobi_Calminvest@Tobi_Calminvest

1Anno

@niemalsinsolvent ah sorry, I missed your last sentence about your special conditions. Then of course $XMEU is better for you! Brilliant that you are starting to invest so seriously and thoughtfully so early on!

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All-in-or-nothing@All-in-or-nothing

1Anno

@Tobi_Calminvest "Can be saved free of charge" only means that there is no order fee for the execution of the savings plan. TER depends on the product, unfortunately nobody will tell you erlassen🤷🏼‍♂️.

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niemalsinsolvent@niemalsinsolvent

1Anno

@Tobi_Calminvest All good! And thank you for your praise 🙏

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niemalsinsolvent@niemalsinsolvent

1Anno

@PassiveInvest Yes, D.B. states that this product costs no commission / third party contribution / front-end load up to €250 per month and that all costs incurred are "canceled" directly with the securities order.

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All-in-or-nothing@All-in-or-nothing

1Anno

@niemalsinsolvent confirms my assumption. Since the stated TER is an ongoing cost that is not related to the purchase, you will unfortunately not receive a waiver. So take a look at the TER before setting up the savings plan😉.

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niemalsinsolvent@niemalsinsolvent

1Anno

@PassiveInvest good to know, thank you

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All-in-or-nothing@All-in-or-nothing

1Anno

@niemalsinsolvent Sure, not for that.

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