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Papa@Papa8

2Anno

@Seebi Why counterproductive? I don't see a problem.

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Tütenraudi@Tuetenraudi

2Anno

@Michi8 I don't see one either. It's latte

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Julian@MoneyISnotREAL

2Anno

@Seebi TER is a percentage.

Whether you have 2x €50,000 at 0.2% each or
1x €100,000 at 0.2% doesn't matter 😉.

There is nothing wrong with having both MSCI & FTSE.

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niemalsinsolvent@niemalsinsolvent

2Anno

@Seebi It is a shift from one to the other, they should not run in parallel.

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Julian@MoneyISnotREAL

2Anno

@Seebi Actually, he did. He first saved in the FTSE, i.e. with emerging markets.
Due to the performance and his own requirements, he is no longer satisfied with this and is saving in the MSCI (i.e. without emerging markets).

Simply leave the old ETF where it is, otherwise #Steuern = less capital = destruction of interest.

In addition, he can avoid the FIFO principle (i.e. sell the most recent shares first => lowest profit => lowest tax burden) when deconsolidating later.

I have it the same way.

First saved in the FTSE, but have now switched to the MSCI. Let's see later, maybe everything, so ACWII. 😉

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Julian@MoneyISnotREAL

2Anno

@Seebi If he also thinks that NASDAQ is doing better than the world ETF, then he can of course add that.

But then you have a higher cluster risk. With the world ETF, you are simply satisfied with the average market return.

He has to decide that for himself. I don't know the future either, which will be better in 30 years' time.

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Julian@MoneyISnotREAL

2Anno

@niemalsinsolvent Then switch if you think you don't want any emerging markets.

There's no point in waiting until there's more return. Both will perform very similarly.

Just note: profits => tax => less capital than if you just leave the old ETF in place

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