What is your favorite ETF that's available in Europe? 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 🇪🇺Trade Republic (ETFs, 3% interest): angelo.fi/tr 👉Compare ETFs: angelo.fi/comp ⚡Where I Buy Bitcoin: angelo.fi/bit 💶My high-yield savings account with 1% saveback: angelo.fi/save
You mentioned you are nolonger fiscally tied to the EU? Where did you go since tax climate is rather unfavorable in the EU? Are you now in South America or elsewhere?
I just started with ETF's. I am based in Spain and my plan is to monthly invest 50% on iShares Core S&P 500 and 50% on Invesco FTSE All-World. Do you think it is a good idea?
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025.... now i just hit $32,590
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification
Thanks for this, The European ETF market has grown a lot in recent years, but it’s not as straightforward as the U.S. market. You’ve got to consider things like currency risk, domicile, and even tax implications. I’ve been researching for months, and I still feel like I’m only scratching the surface.
I’ve been looking into ETFs as a way to diversify my portfolio, but as a European investor, I’m finding it a bit overwhelming. There are so many options, and I’m not sure which ones are the best fit for my goals.
I was in the same position a while back. I kept hearing about ETFs like VWCE (Vanguard FTSE All-World) and IWDA (iShares MSCI World), but I wasn’t sure how to balance them with my other investments.
That’s when I started working with a CFA, James Brendan McCall. He’s got a deep understanding of the European market and helped me build a tailored ETF portfolio
That sounds exactly like what I need. I’ve been trying to DIY this, but it’s way more complicated than I thought. I’m looking for a mix of growth and stability, but I’m not sure how to achieve that with ETFs
I regularly watch your videos but wasn’t subscribed until now, what a shame from my side its just a click... I really like the way you approach your videos in general, Angelo! Keep it up!
I think for the European Market, Amundi Stoxx Europe 600 UCITS ETF (Acc) is a better (if not the best) option than Vanguard FTSE Developed Europe UCITS ETF (Acc), actually in all aspects: lower TER, larger fund size and higher number of holdings. But I totally understand your hesitance towards Amundi, due to its past flaky behavior. On the upside, I would argue that an European (i.e. French) asset management company is not a bad option for covering the European market.
I don't care about little differences in TER (total expensio ratio) or track record. I choose Vanguard for their low lending of stocks, conservative approach and that customers interests come first. At least I hope so, future will tell ;)
Thank you for the content Angelo. Since the SPDR S&P 500 UCITS ETF (Acc) was launched recently (Oct 31, 2023), does this mean it acquired its holdings at current market prices? How does this make it riskier compared to an ETF that was launched 10 years ago?
Dividend investing is my jam! I'm building wealth with a buy-and-hold strategy in my Roth account, featuring rockstars like Berkshire B stock, SCHD, and S&P 500 and total market ETFs. My taxable account is also getting in on the action, generating regular income through dividend-paying stocks. It's a winning combo that's helping me achieve my financial dreams!
strategy is a perfect example of a solid plan! Combining dividend stocks with a buy-and-hold approach sets you up for success.it's clear you've done your research. Yet, I still think consulting with expert advisors can take your success to the next level. They can offer valuable insights, help you mitigate risks, and optimize your strategy for even greater returns.
I agree, though some doubt financial advisors. Mine has delivered, growing my portfolio by over $1 million for the past decade through savvy diversification. Financial security is my goal, and I'm pleased with my results.
Oh I've heard similar things about hiring an advisor. It's hard to choose one that's very good though. Could you make some useful recommendations? Enthused about investing for my eventual retirement.
@@mariam46673 The advlsor I’m currently working with is Elizabeth cordle gross, came across her in a Bloomberg interview, we've worked for about five years now, and her performance has been consistently impressive, She’s quite known in her field, look her up.
Awesome video, and you really know your stuff! I have some savings but feel pretty hesitant about investing in stocks since my pension funds haven’t been performing well. Would you be able to offer me some personal finance advice? Thanks so much! 🙏 happy to pay!
Thank you for bringing attention to the systematic exclusion by Amundi of companies with "Exposure to controversial weapons (anti-personnel mines, cluster munitions, chemical weapons and biological weapons)". For anyone interested, this definition comes from EU regulation 2022/1288. To understand the effect this has on performance, the "MSCI World ex Controversial Weapons Index" should be comparable. Looking at its factsheet it results in a total difference to the MSCI World Index over the past 18 and a half years of +0.1% (in favor of excluding, that is). Safe to say it's negligible at best. This makes sense because many weapons manufacturers are still there, including RTX, Northrop Grumman, General Dynamics, BAE Systems, so it's not like you're lacking exposure. So for me I don't mind this decision by Amundi at all.
Thanks for looking into it more! That's true, but seeing as Amundi exludes a few companies on purpose in its Prime ETFs, who's to say they won't add other sectors later as well. It's a bad precedent in my opinion. Especially considering how many ETFs they've already converted to ESG in the past. Just my 2 cents of course :)
My partner and I are introducing a range of stocks and ETFs to our joint portfolio. We've committed $220,000 initially, with emphasis on inflation-protected bonds. I see potential for growth in the market, So I'm keen to explore for short-term gains.
Hey, nice video Angelo. Quick question: have you considered the MSCI World Quality Factor? It seems it has outperformed the regular one consistently over the years
Whats your view on this; IUSQ 80% & LYMS 20%, or is there something better you can think of? im still not sure if i should go with IUSQ or WEBN. is there something that i should be aware when picking one of these 2
Thanks for the info! I'm in Germany and wanna start investing in the FTSE All world Vanguard but it says USD... is it ok to choose this one or better to go for an ETF which uses Euros? Please advise:)
Thank you for all the great advice! What would you do if there are companies that you absolutely can't endorse, and they happen to be in most of the global indexes (such as Tesla, or Meta)? Does it make sense to invest fully in indexes where they aren't present or is that a dumb move? I know the indexes represent the top 500 companies and so on, so these companies will potentially change, but right now they are there, and my soul bleeds to think that I could be funding what they do. Any advice?
Hey Angelo! Thanks for your videos. They're very useful! I also live in Austria. It would be great if you create a video about ETF tax calculation in Austria. I would like to learn how I should calculate the taxes for my ETFs. Thanks!
As someone who has never invested before I wanted to start with only one ETF to keep it simple and I decided to go with the ftse all world but I’m not sure if I should pick the vanguard or invesco, which would you recommend for a beginner?
Hi Angelo! I'm from Portugal, I'm using IBKR and buying SPDR MSCI ACWI UCITS ETF (70%) and iShares Nasdaq 100 UCITS ETF (Acc) (30%). What do you think about this approach risk and tax wise? Thanks for your content, really helpful.
Still a great ETF with a solid tracking difference, SPDR's MSCI World simply did a bit better the past few years due to its lower fee so I mentioned that one
Hi Angelo! Thanks a lot for the great video - I've watched quite a few and they are awesome, keep on doing this great content! Just a question: do you also invest in individual stocks, or are you focusing exclusively on ETFs? Liebe Grüße aus Berlin!
I am confused now. Flatex vs Trade Republic, which one to choose if I want to buy (FWRA) IVZ FTSE All World Acc regularly as a resident in Austria? Flatex is only in German and I don't know how to use it well, maybe to use that one? Just afraid of the taxes.
Thanks. Great informative video. Any alternatives to the Ivesco FTSE All-World... ETF you mention in the end? It's not on the tax positive list in Denmark :(
What about the alternatives I mentioned in the section of the video (global ETFs) ? 📌 SPDR MSCI ACWI Acc. (SPYY) 📌 SPDR MSCI ACWI IMI Acc. (SPYI) 📌 iShares MSCI ACWI Acc. (IUSQ) 📌 Vanguard FTSE All-World Acc. (VWCE) I would be fine holding either of them long-term instead personally :)
Hi new to this thing for 4 months ive been investing 200 euro into Vanguard S&P 500 UCITS ETF(ACC) using Revolut because its easy to work with,but idk if i made the right choice can you give me suggestions on what should i do like keep doing it or switch to lightyear or other broker or change the etf to a better one (i have no idea what i am doing just putting money and trying to understand the ETFs by watching videos and reading things)
Thanks Angelo! I've been buying SPDR MSCI ACWI IMI the last few months for its wide spread. But lately, I've been looking into growth ETFs like SCHG (US Large-Cap Growth) because of their outperformance (almost 40% up last year). Do you think this is a good or a bad idea?
Thanks Angelo! Was missing your videos already :) One question: in the description you mention Invesco FTSE All-World Acc. (FWRA or FWIA). What is the difference between FWRA and FWIA? Looking at TradeRepublic, I could only find the FWIA one. Thanks!
Hey, intrested why, FWRG london in GB. And not FWRA italy Eur? ( just looked up in mine country and broker i cant fing even FWRG) thos both still fallow the same index. Just the curensy difrent?
They have some of the lowest fees for crypto exchanges based in Europe and a lot of volume (thus tight spreads) when trading directly in €. I do believe they're secure, but I still move most of my crypto offline to a hardware wallet after buying it - my favorite is the Trevor Safe 3: angelo.fi/trezor
@AngeloColomboFiI've been using Bitvavo since I saw it in your description, and I must say it's really easy to use and intuitive. It's great to know about the tight spreads. I'm planning to buy a hardware wallet, but I'm still undecided between the Trezor Safe 3 and the Ledger Nano S Plus. Although, it seems that both are secure options. Have you ever considered investing in DeFi pools? I did some research on it, but it seems a bit too risky.
Both the Ledger Nano S Plus and Trezor Safe 3 are great options in my opinion - I have both, but I prefer using the Trezor. No, I'm happy just holding Bitcoin as far as my allocation to crypto goes
Hello Angelo. Thanks a lot for this great video as usual. Is it interesting to buy ETF through a life insurance in Luxembourg ? Around 0,8% annual fees..It's deportable in almost all Europe and other countries worldwide and follows the local taxe regulations of the specific country you live in. Besides that, it has a big advantage on the heritage taxes that kids will pay one day on the full portfolio.. thanks in advance
Thank you very much for this, it is great content! I have one question though. It seems we are at very turbulent times for businesses due to Trump, and everything changes very fast. Which one of the ETFs respond to global shifts in performance indexes fastest? Also is there an ETF, that is based on computational market research on companies that estimate their instantaneous performance? I have the impression company obligations on sharing their performance will be less than adequate in 2025, and there might be several smaller scale Lehmans ahead.
Hi Angelo, this was just the video I needed! Don’t you think that a reported TD of 0.34 for FRWA Is really big, specially compared to VWCE which is its direct competitor? With SPYILs TD so big, the distrust in Amundi and the higher TER of VWCE, FWRA and SPYY seem the better option. In your option why should I invest in FWRA over SPYY which has an excellent tracking history?
That's just the fund currency (almost always USD), which is irrelevant as it doesn't influence our returns as investors in €. We're still able to buy/sell all of them directly in €
@AngeloColomboFi It does influence your returns because as an european investor the returns are less if the dollar weakens.Maybe it will not happen in the short time but still the dollar/euro plays a roll and i don't want to be depensed on the dollar in my whole portfolio.
Hello ! i have a very new ETf that you might checking out as S&P500 alternative Amundi MSCI USA EX-Mega Cap, 0,15 TER and super intering performance despite not have the top 20. with msci Ex USA and the mega cap ETF - you could build a super intering portfolio - i going to do that
Hi Angelo. Do you have any other investments that are done in a tax efficient way. I like the idea of investing myself but I feel that it’s best to focus on a pension to invest with for tax purposes.
3-5 years can be really risky. Stocks/ etf are quite risky on short term. You will do better and safer if you invest in a money fond, for € currently you can get around 3% per year
Why is FWRA (on BVME exchange) so expensive to buy compared to VWCE, SPPW, SXR8? For example i usually pay 1,30EUR for those ETFs on tiered plan, but for FWRA I pay double that ammount (around 2,70 EUR).
Great video as always Angelo! One thing I'd like to mention is that the Invesco ftse all world also have transaction fees, so it's TER is actually very close to the Vanguard one. The information is present in the KID, it is recurring yearly cost even if it's not part of the TER. This does not deny the fact that's its the best performing so far!
Those transaction fees are not constant and likely based off its first full year, (where everything needed to be purchased) and I would expect them to actually be lower compared to Vanguard long-term, as it's holding a smaller number of stocks. Vanguard's KID also shows 0,02% in additional transaction fees btw. At the end of the day, the actual long-term returns (& tracking difference) are the only things I care about :)
Nice content, I didn't know that finally the ex-USA ETF was available for Europe. Too late for now, as I am not interested until we are deep into the denial phase of the market, probably when we go back to 3600 SP50 and people starts speaking of 10.000 SP500 when we go back to 4500-5000. Yeah, because this time is going to be different of course. Mmm, here's the thing: I am holding bonds and cash for now, thanks. On the contrary, I am so hoping of seeing 6500 SP500 that I can short a lot and start moderately smiling when others start killing themselves. Additionally, I am really into the "Down with the USA, China forever" frenzy because that makes me 100% sure this is not going to happen any time soon. Again, money coming my way: not much, but I am not very ambitious. Any short etf worth mentioning?
Aren't physically replicating ETFs less tax-efficient? When European ETF holds a US stock, and this stock pays a dividend, 15% US withholding tax is applied on this dividend, isn't is so?
Probably some misconception since synthetic (swap) based ETFs are terrible in Austria due to some pre-tax on gains which can be iffy for swap based ETFs.
Would love to get your thoughts on etf picks to replicate a factor investing approach. For example I didn’t know there was a small cap value etf, any other recommendations to replicate the 5 big factors? Or do you think the recent outperformance of large cap growth stocks is the new normal and we should forget about the classical factors?
I agree, which is why I started buying Invesco's FTSE All-World last year. Not sure to be honest, I was expecting them to in October last year (would have been 5 years since their last reduction), but it seems like they want to maximize profits in Europe
Hi Angelo, thank you very much for your spectacular videos! it is really helpful! I noticed your ticker of Invesco FTSE ETFs is FWRG, which means London stock market where currency is GBX. But your assets are in euros. Why is it so? is there more liquidity, which eventually more important than exchange rate or I don't understand something? :)
My pleasure! That's just Getquin, I already reached out to them about it! I always buy it in € via the ticker FWRA on IBKR and FWIA on Trade Republic :)
Angelo hi!! I valued a lot your opinion (despite I disagree sometimes). I want your perspective in the VGWE (Vanguard FTSE All World High Dividend Yield) ETF and also to 21BC (21Shares Bitcoin Core) ETP.... I don't want to tell you how much allocation I have in each one (I also have the SPYL) in order not to mess your opinion and give me a clear idea. Thanks.
hi Angelo, sadly the Invesco FTSE ETF is no longer a premium partner on Flatex, would you still buy it or prefer the Vanguard one? Thanks for the great videos ☺️
Yeah I noticed 😢 I would still buy it using Flatex, but probably as a savings plan (1,5€ fee) instead of a more expensive direct purchase. Another option could be to do direct purchases for the Vanguard FTSE All-World when you want to invest larger amounts right away (as it's free when buying >1000€ of it at once using Tradegate for example) and stick to a savings plan for the Invesco FTSE AW
@ the idea is to have exposure to US and to that growth that usually is higher than "world", but not be exclusive to USA, in case trump implodes the economy...
Not sure about other countries, but in Germany investors need to fully tax unrealized gains when that happens which is very rough. In Austria it's a bit better but still an unnecessary tax burden.
How much did you lose during pandemic and taken as a whole how does your recent profit make up for it in percentage? I was down 11 percent in 2020-21. Then 3 percent in 2022-23. Last years have barely made up for that tbh.
USD is just the fund currency, which is irrelevant as far as our actual returns in € are concerned. I always buy everything directly in € using Interactive Brokers and Trade Republic. Hedging is only going to make sense if you're 100% confident the EUR is going to vastly outperform stocks in all other currencies contained within a global ETF. If you compare the performance of EUR hedged vs. unhedged ETFs on JustETF over several years, eg. justetf.com/en/etf-profile.html?isin=IE00BKBF6H24 to this one: justetf.com/en/etf-profile.html?isin=IE00B4L5Y983 you'll notice you always end up losing a lot of money, as hedging (done every single day!) is very expensive over long time periods. Interestingly enough, it significantly underperforms even if you compare their performance in USD (cause once again, hedging is expensive and reduces returns).
Ciao Angelo, I’d like to ask you a question that I’m sure you’ve been asked before: doesn’t it seem a bit risky to invest everything in a single ETF from just one issuer? Wouldn’t it be wiser to diversify across different issuers at least? Sure, Invesco might be too big to fail (fingers crossed), but other risks could still arise…
ETF’s are small shares in many different stocks, with this being said you are investing in many different stocks 😊 the S&P500 you investing in the top 500 companies in the US
Great video! When managing a larger portfolio, do you think adding less volatile ETFs like XDEB or bonds would be a good strategy for diversification? Or do you believe an all-world ETF is diversified and safe enough to handle most risks? I'd love to hear your thoughts on these options!
Thank you! I can't tell you what to do, you may feel more comfortable adding bonds and ETFs with lower volatility, which may smooth out the ride. As for us, we have a long time horizon and a high risk tolerance (we're not going to sell or suddenly change strategy if markets are down double digit %), so we feel comfortable with 90% FTSE All-World, 10% Bitcoin and at least 6 months in cash as an emergency fund. We might change our allocation a bit (eg. build a larger cash buffer for expenses) once we have actual plans to retire, meaning we don't want to work anymore :)
For me, it's important to be on the market for future growth but it's equally important to have a good night's sleep. All world ETF is the reasonable solution.
EM only make up 10% of the all world, China 3% if you're worried about that specifically. Is that really something you'd lose sleep over? :) Those worries are priced into share prices as well. But you should still pick whatever you feel the most confident in 👌
Excellent video. But I have a small doubt, if you could clarify it for me. Some recommended ones are Full Replication and others are Sampling. Is it, for example, more 'risky' to have investments in an ETF that is Sampling? Invesco FTSE, which I know you started approximately 1 year ago, is not Full Replication. In what sense can (or cannot) this be risky? Greetings from Portugal.
Full replication means that the ETF buys all the stocks in the index it follows. Sampling means that the ETF only buys certains stocks that usually are the most meaningful. It can be good or bad, depending on the choices they made. The SPDR MSCI World being sampling type, is outperforming many full replication type ETFs. But be sure to stay away from swap type.
Most ETFs use sampling, especially when an index contains several thousand stocks. It's not something that changes the risk profile, the only "risk" would be a slight deviation from the index performance. But it can make sense to not directly hold a few hundred or even >1000 of the smallest companies in the index if they make up less than 1% of it for example based on their market cap. If you check the list of stocks for the Vanguard FTSE All-World, you'll see that the last 1000 make up a miniscule percentage in total
What is your favorite ETF that's available in Europe?
🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr
🇪🇺Trade Republic (ETFs, 3% interest): angelo.fi/tr
👉Compare ETFs: angelo.fi/comp
⚡Where I Buy Bitcoin: angelo.fi/bit
💶My high-yield savings account with 1% saveback: angelo.fi/save
You mentioned you are nolonger fiscally tied to the EU? Where did you go since tax climate is rather unfavorable in the EU?
Are you now in South America or elsewhere?
Still based in Austria, so I think you got me mixed up with someone else :)
vvsm!
I just started with ETF's. I am based in Spain and my plan is to monthly invest 50% on iShares Core S&P 500 and 50% on Invesco FTSE All-World. Do you think it is a good idea?
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025.... now i just hit $32,590
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification
It's Kimberly Ann Doran doing, she's changed my life.
The first time we had tried, we invested €14,000 and after a week we received €50,230. That really helped us a lot to pay our bills.
This sounds so good andi would like to be a party to this, is there any wayl can speak with her?
This sounds so good andi would like to be a party to this, is there any wayl can speak with her?
Thanks for this, The European ETF market has grown a lot in recent years, but it’s not as straightforward as the U.S. market. You’ve got to consider things like currency risk, domicile, and even tax implications. I’ve been researching for months, and I still feel like I’m only scratching the surface.
I’ve been looking into ETFs as a way to diversify my portfolio, but as a European investor, I’m finding it a bit overwhelming. There are so many options, and I’m not sure which ones are the best fit for my goals.
I was in the same position a while back. I kept hearing about ETFs like VWCE (Vanguard FTSE All-World) and IWDA (iShares MSCI World), but I wasn’t sure how to balance them with my other investments.
That’s when I started working with a CFA, James Brendan McCall. He’s got a deep understanding of the European market and helped me build a tailored ETF portfolio
That sounds exactly like what I need. I’ve been trying to DIY this, but it’s way more complicated than I thought. I’m looking for a mix of growth and stability, but I’m not sure how to achieve that with ETFs
Sounds interesting! Can you share your investment advisor's information? I'm looking for one to help me plan for retirement.
Thanks for the video. I bought SPYL and SPYY based on earlier videos you posted. I went with JPSC for small cap. Will see how that pans out.
Nice analysis. Congratulations for the channel and thanks for the video
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
Wonderful whirlwind of knowledge. Very impressive
I love how simple you strategy remains, even tough you know all the alternatives.
Great video Angelo! You mentioned in the end the bonds, can you do a video on bond investing for european investors? Thanks!
Thanks for the knowledge share, please keep it up.
I regularly watch your videos but wasn’t subscribed until now, what a shame from my side its just a click...
I really like the way you approach your videos in general, Angelo!
Keep it up!
I think for the European Market, Amundi Stoxx Europe 600 UCITS ETF (Acc) is a better (if not the best) option than Vanguard FTSE Developed Europe UCITS ETF (Acc), actually in all aspects: lower TER, larger fund size and higher number of holdings. But I totally understand your hesitance towards Amundi, due to its past flaky behavior. On the upside, I would argue that an European (i.e. French) asset management company is not a bad option for covering the European market.
Stop TALKING SHIT, NO ONE TRUSTS AMUNDI LOL
He works for Amundi 😂
I don't care about little differences in TER (total expensio ratio) or track record. I choose Vanguard for their low lending of stocks, conservative approach and that customers interests come first. At least I hope so, future will tell ;)
VWCE and chill
100 videos, good luck!
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Angelo, can you make video on state bonds/obligations investing. For example Poland2054 and romania2044 are giving a nice return around 6%.
Fully support this too. That would be great!
Great overview, thank you 🤝
VWCE - For the win. Buy and hold. Closing in on 20% upside in a year.
I made 26%. VWCE and chill!
Msci > vwce, especially since trump
@@theanswer1993 Nice man.
In which APP do you buy these? Its not available on eToro
@@wajsp Nope, there is zero proof yet trump has done anytthing negative to it, your clearly biased.
Could you make a video on bond etfs? They seem to be more complicated than stock etfs. Thanks!
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Another great video Angelo, thanks for sharing,
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Your content is really interesting and complete, thanks for sharing the knowledge.
Again a very transparent video! Thank you!!
Sauber Angelo 💪
Thanks again, Angelo
Thank you for the content Angelo. Since the SPDR S&P 500 UCITS ETF (Acc) was launched recently (Oct 31, 2023), does this mean it acquired its holdings at current market prices? How does this make it riskier compared to an ETF that was launched 10 years ago?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
Informative and interesting video as always - thanks, Angelo :)
Dividend investing is my jam! I'm building wealth with a buy-and-hold strategy in my Roth account, featuring rockstars like Berkshire B stock, SCHD, and S&P 500 and total market ETFs. My taxable account is also getting in on the action, generating regular income through dividend-paying stocks. It's a winning combo that's helping me achieve my financial dreams!
strategy is a perfect example of a solid plan! Combining dividend stocks with a buy-and-hold approach sets you up for success.it's clear you've done your research. Yet, I still think consulting with expert advisors can take your success to the next level. They can offer valuable insights, help you mitigate risks, and optimize your strategy for even greater returns.
I agree, though some doubt financial advisors. Mine has delivered, growing my portfolio by over $1 million for the past decade through savvy diversification. Financial security is my goal, and I'm pleased with my results.
Oh I've heard similar things about hiring an advisor. It's hard to choose one that's very good though. Could you make some useful recommendations?
Enthused about investing for my eventual retirement.
@@mariam46673 The advlsor I’m currently working with is Elizabeth cordle gross, came across her in a Bloomberg interview, we've worked for about five years now, and her performance has been consistently impressive, She’s quite known in her field, look her up.
thanks Angelo ...great research..
Thanks very much Angelo 👍👍😊.
VWCE buy & hold for the long term here ;)
Awesome video, and you really know your stuff! I have some savings but feel pretty hesitant about investing in stocks since my pension funds haven’t been performing well. Would you be able to offer me some personal finance advice? Thanks so much! 🙏 happy to pay!
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
Thank you for bringing attention to the systematic exclusion by Amundi of companies with "Exposure to controversial weapons (anti-personnel mines, cluster munitions, chemical weapons and biological weapons)". For anyone interested, this definition comes from EU regulation 2022/1288.
To understand the effect this has on performance, the "MSCI World ex Controversial Weapons Index" should be comparable. Looking at its factsheet it results in a total difference to the MSCI World Index over the past 18 and a half years of +0.1% (in favor of excluding, that is). Safe to say it's negligible at best. This makes sense because many weapons manufacturers are still there, including RTX, Northrop Grumman, General Dynamics, BAE Systems, so it's not like you're lacking exposure. So for me I don't mind this decision by Amundi at all.
Thanks for looking into it more! That's true, but seeing as Amundi exludes a few companies on purpose in its Prime ETFs, who's to say they won't add other sectors later as well. It's a bad precedent in my opinion. Especially considering how many ETFs they've already converted to ESG in the past. Just my 2 cents of course :)
My partner and I are introducing a range of stocks and ETFs to our joint portfolio. We've committed $220,000 initially, with emphasis on inflation-protected bonds. I see potential for growth in the market, So I'm keen to explore for short-term gains.
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Hey, nice video Angelo. Quick question: have you considered the MSCI World Quality Factor? It seems it has outperformed the regular one consistently over the years
What would you chose between Saxo and Degiro?
Whats your view on this; IUSQ 80% & LYMS 20%, or is there something better you can think of?
im still not sure if i should go with IUSQ or WEBN. is there something that i should be aware when picking one of these 2
Why do you choose Vanguard FTSE All-World over the Custom MSCI world (60/40)?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
Is it possible to access the site or document present at 13:42 ? Thank you for the video.
Thanks for this video Angelo! Keep it up
Thanks for the info! I'm in Germany and wanna start investing in the FTSE All world Vanguard but it says USD... is it ok to choose this one or better to go for an ETF which uses Euros? Please advise:)
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
My portefolio is S&P 500, EQQQ nasdaq100 and ftse all world.
I think I have everything I need for long term.
Thank you for all the great advice! What would you do if there are companies that you absolutely can't endorse, and they happen to be in most of the global indexes (such as Tesla, or Meta)? Does it make sense to invest fully in indexes where they aren't present or is that a dumb move? I know the indexes represent the top 500 companies and so on, so these companies will potentially change, but right now they are there, and my soul bleeds to think that I could be funding what they do. Any advice?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
Hi Angelo, is there a specific reason you didn't consider $IWDA?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Hey Angelo! Thanks for your videos. They're very useful!
I also live in Austria. It would be great if you create a video about ETF tax calculation in Austria. I would like to learn how I should calculate the taxes for my ETFs. Thanks!
As someone who has never invested before I wanted to start with only one ETF to keep it simple and I decided to go with the ftse all world but I’m not sure if I should pick the vanguard or invesco, which would you recommend for a beginner?
Thanks again for a great video!
I am curious, why didnt you pick SPYI instead of FWRA?
Hello Angelo, I wanted to buy the ETF schwab (SHCD) is it possible in euros?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Great inside about Amundi and their shady practices in the past 👌
Hi Angelo!
I'm from Portugal, I'm using IBKR and buying SPDR MSCI ACWI UCITS ETF (70%) and iShares Nasdaq 100 UCITS ETF (Acc) (30%).
What do you think about this approach risk and tax wise?
Thanks for your content, really helpful.
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Thank you for the video. How about IWDA ? It did not make your list
Still a great ETF with a solid tracking difference, SPDR's MSCI World simply did a bit better the past few years due to its lower fee so I mentioned that one
Hi Angelo! Thanks a lot for the great video - I've watched quite a few and they are awesome, keep on doing this great content! Just a question: do you also invest in individual stocks, or are you focusing exclusively on ETFs? Liebe Grüße aus Berlin!
Thank you! No, I'm happy just buying a single ETF every month :)
LG aus Wien 🇦🇹
Very insightful! Is it best to invest in 1 large sum (not going over ISA limit) or over a few months? To avoid risk?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
I am confused now. Flatex vs Trade Republic, which one to choose if I want to buy (FWRA) IVZ FTSE All World Acc regularly as a resident in Austria?
Flatex is only in German and I don't know how to use it well, maybe to use that one?
Just afraid of the taxes.
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
VWRL and chill. Is wise to include some % of developing markets
Thanks. Great informative video. Any alternatives to the Ivesco FTSE All-World... ETF you mention in the end? It's not on the tax positive list in Denmark :(
What about the alternatives I mentioned in the section of the video (global ETFs) ?
📌 SPDR MSCI ACWI Acc. (SPYY)
📌 SPDR MSCI ACWI IMI Acc. (SPYI)
📌 iShares MSCI ACWI Acc. (IUSQ)
📌 Vanguard FTSE All-World Acc. (VWCE)
I would be fine holding either of them long-term instead personally :)
@AngeloColomboFi awesome. Thanks!
Hi new to this thing for 4 months ive been investing 200 euro into Vanguard S&P 500 UCITS ETF(ACC) using Revolut because its easy to work with,but idk if i made the right choice can you give me suggestions on what should i do like keep doing it or switch to lightyear or other broker or change the etf to a better one (i have no idea what i am doing just putting money and trying to understand the ETFs by watching videos and reading things)
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
Thanks Angelo! I've been buying SPDR MSCI ACWI IMI the last few months for its wide spread. But lately, I've been looking into growth ETFs like SCHG (US Large-Cap Growth) because of their outperformance (almost 40% up last year). Do you think this is a good or a bad idea?
Nobody will know, if US will continue to outperfom the rest of the world in the future.
Thanks Angelo! Was missing your videos already :)
One question: in the description you mention Invesco FTSE All-World Acc. (FWRA or FWIA). What is the difference between FWRA and FWIA? Looking at TradeRepublic, I could only find the FWIA one. Thanks!
Thank you, that's nice to hear :)
Same exact ETF, just a different ticker based on the exchange & broker.
Hey, intrested why, FWRG london in GB. And not FWRA italy Eur? ( just looked up in mine country and broker i cant fing even FWRG) thos both still fallow the same index. Just the curensy difrent?
will you make a video explaining why you use Bitvavo for buying Bitcoin? Do you think it's secure?
They have some of the lowest fees for crypto exchanges based in Europe and a lot of volume (thus tight spreads) when trading directly in €. I do believe they're secure, but I still move most of my crypto offline to a hardware wallet after buying it - my favorite is the Trevor Safe 3: angelo.fi/trezor
@AngeloColomboFiI've been using Bitvavo since I saw it in your description, and I must say it's really easy to use and intuitive. It's great to know about the tight spreads. I'm planning to buy a hardware wallet, but I'm still undecided between the Trezor Safe 3 and the Ledger Nano S Plus. Although, it seems that both are secure options. Have you ever considered investing in DeFi pools? I did some research on it, but it seems a bit too risky.
Both the Ledger Nano S Plus and Trezor Safe 3 are great options in my opinion - I have both, but I prefer using the Trezor. No, I'm happy just holding Bitcoin as far as my allocation to crypto goes
Hello Angelo. Thanks a lot for this great video as usual. Is it interesting to buy ETF through a life insurance in Luxembourg ? Around 0,8% annual fees..It's deportable in almost all Europe and other countries worldwide and follows the local taxe regulations of the specific country you live in. Besides that, it has a big advantage on the heritage taxes that kids will pay one day on the full portfolio.. thanks in advance
Thank you very much for this, it is great content! I have one question though. It seems we are at very turbulent times for businesses due to Trump, and everything changes very fast. Which one of the ETFs respond to global shifts in performance indexes fastest? Also is there an ETF, that is based on computational market research on companies that estimate their instantaneous performance? I have the impression company obligations on sharing their performance will be less than adequate in 2025, and there might be several smaller scale Lehmans ahead.
Hi Angelo, this was just the video I needed! Don’t you think that a reported TD of 0.34 for FRWA Is really big, specially compared to VWCE which is its direct competitor?
With SPYILs TD so big, the distrust in Amundi and the higher TER of VWCE, FWRA and SPYY seem the better option.
In your option why should I invest in FWRA over SPYY which has an excellent tracking history?
Hello Angelo, a good informed video of you!! These are all dollar related ETF's and so can you also make a video of euro ETF's? Greetings Gijs
That's just the fund currency (almost always USD), which is irrelevant as it doesn't influence our returns as investors in €. We're still able to buy/sell all of them directly in €
@AngeloColomboFi It does influence your returns because as an european investor the returns are less if the dollar weakens.Maybe it will not happen in the short time but
still the dollar/euro plays a roll and i don't want to be depensed on the dollar in my whole portfolio.
Hello ! i have a very new ETf that you might checking out as S&P500 alternative
Amundi MSCI USA EX-Mega Cap, 0,15 TER and super intering performance despite not have the top 20.
with msci Ex USA and the mega cap ETF - you could build a super intering portfolio - i going to do that
Hi Angelo. Do you have any other investments that are done in a tax efficient way. I like the idea of investing myself but I feel that it’s best to focus on a pension to invest with for tax purposes.
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
If I want to invest for short terms,(3-5 years)
which ETF you would recomand?
3-5 years can be really risky. Stocks/ etf are quite risky on short term. You will do better and safer if you invest in a money fond, for € currently you can get around 3% per year
Why is FWRA (on BVME exchange) so expensive to buy compared to VWCE, SPPW, SXR8? For example i usually pay 1,30EUR for those ETFs on tiered plan, but for FWRA I pay double that ammount (around 2,70 EUR).
Yeah commission is 2,72€ that suks.. Honestly
What about SXR8 and VWCE?
Great video as always Angelo! One thing I'd like to mention is that the Invesco ftse all world also have transaction fees, so it's TER is actually very close to the Vanguard one. The information is present in the KID, it is recurring yearly cost even if it's not part of the TER. This does not deny the fact that's its the best performing so far!
Those transaction fees are not constant and likely based off its first full year, (where everything needed to be purchased) and I would expect them to actually be lower compared to Vanguard long-term, as it's holding a smaller number of stocks. Vanguard's KID also shows 0,02% in additional transaction fees btw. At the end of the day, the actual long-term returns (& tracking difference) are the only things I care about :)
Nice content, I didn't know that finally the ex-USA ETF was available for Europe. Too late for now, as I am not interested until we are deep into the denial phase of the market, probably when we go back to 3600 SP50 and people starts speaking of 10.000 SP500 when we go back to 4500-5000. Yeah, because this time is going to be different of course. Mmm, here's the thing: I am holding bonds and cash for now, thanks. On the contrary, I am so hoping of seeing 6500 SP500 that I can short a lot and start moderately smiling when others start killing themselves. Additionally, I am really into the "Down with the USA, China forever" frenzy because that makes me 100% sure this is not going to happen any time soon. Again, money coming my way: not much, but I am not very ambitious. Any short etf worth mentioning?
Aren't physically replicating ETFs less tax-efficient? When European ETF holds a US stock, and this stock pays a dividend, 15% US withholding tax is applied on this dividend, isn't is so?
Yes, especially in the US market - synthetic replicating ETFs provide better returns.
Probably some misconception since synthetic (swap) based ETFs are terrible in Austria due to some pre-tax on gains which can be iffy for swap based ETFs.
Would love to get your thoughts on etf picks to replicate a factor investing approach. For example I didn’t know there was a small cap value etf, any other recommendations to replicate the 5 big factors? Or do you think the recent outperformance of large cap growth stocks is the new normal and we should forget about the classical factors?
Can recommend the Rational Reminder forums for this.
@ awesome, thanks!
Solid choices, but let’s be honest... Vanguard’s fees are still too high compared to newer options. Do you guys think they’ll lower them anytime soon?
I agree, which is why I started buying Invesco's FTSE All-World last year. Not sure to be honest, I was expecting them to in October last year (would have been 5 years since their last reduction), but it seems like they want to maximize profits in Europe
Hi Angelo, thank you very much for your spectacular videos! it is really helpful!
I noticed your ticker of Invesco FTSE ETFs is FWRG, which means London stock market where currency is GBX. But your assets are in euros. Why is it so? is there more liquidity, which eventually more important than exchange rate or I don't understand something? :)
My pleasure! That's just Getquin, I already reached out to them about it! I always buy it in € via the ticker FWRA on IBKR and FWIA on Trade Republic :)
Angelo hi!! I valued a lot your opinion (despite I disagree sometimes). I want your perspective in the VGWE (Vanguard FTSE All World High Dividend Yield) ETF and also to 21BC (21Shares Bitcoin Core) ETP.... I don't want to tell you how much allocation I have in each one (I also have the SPYL) in order not to mess your opinion and give me a clear idea. Thanks.
hi Angelo, sadly the Invesco FTSE ETF is no longer a premium partner on Flatex, would you still buy it or prefer the Vanguard one? Thanks for the great videos ☺️
Yeah I noticed 😢
I would still buy it using Flatex, but probably as a savings plan (1,5€ fee) instead of a more expensive direct purchase. Another option could be to do direct purchases for the Vanguard FTSE All-World when you want to invest larger amounts right away (as it's free when buying >1000€ of it at once using Tradegate for example) and stick to a savings plan for the Invesco FTSE AW
Any good bonds for European investors ;
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
What is your opinion in the broker Lightyear?
Used to buy VUSA but now SPYL ---- but 80% of my budget goes into FWRA
whats your opioin about msci acwi imi? isnt that a great etf to cover everything instead of invesco ftse all world?
I mentioned that ETF in the video, I do consider it a great option I'd have no problem holding long-term :)
What do u think about Vanguard ESG Global all cap? It includes more companies than ftse all world
Interesting ETF, if it weren't for the fact that it applies an ESG filter and is more expensive as well - as a result, it's not for me :)
Would it make sense to have a 50/50 ETF strategy, with SPDR S&P500 and Invesco FTSE All world?
That's up to you. Since there's a lot of overlap, you would have >81% invested in US stocks at that point
@ the idea is to have exposure to US and to that growth that usually is higher than "world", but not be exclusive to USA, in case trump implodes the economy...
Hello, will you cover European ETF to buy gold?
PrimaryWA𝕟𝕦𝕞𝕓𝕖𝕣🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸±𝟏𝟖𝟔𝟎𝟗𝟔𝟎𝟗𝟐𝟕𝟏⊥🇺🇸👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼✴️✴️大家都這樣✅Big thanks. 👍🏼🎉🎉🎉
What happen to the existing quotes of an etf that change the domicile and is relaunched? Are they liquidaded and capital gain taxes need to be paid?
Not sure about other countries, but in Germany investors need to fully tax unrealized gains when that happens which is very rough. In Austria it's a bit better but still an unnecessary tax burden.
How much did you lose during pandemic and taken as a whole how does your recent profit make up for it in percentage? I was down 11 percent in 2020-21. Then 3 percent in 2022-23. Last years have barely made up for that tbh.
What is your opinion for 70% VUAA & 30% EXUS??
That's another great custom MSCI World ETF with more control that's closer to current country weights in the index :)
Can somebody tell me the SPYI UCITS ETF which is actively distributing dividends?
What do you think about Vanguard Information Technology Index Fund ETF? :)
Surprising that I dont see Vanguard
I just buy SSAC
What are your thoughts on using Revolut for investing in stocks?
Here you go :)
ua-cam.com/video/xPWawAhfwn0/v-deo.html
I have the same question. Also for buying bonds .
SPYI and chill
Do you buy world ETFs in USD or hedged in EUR? And why?
USD is just the fund currency, which is irrelevant as far as our actual returns in € are concerned. I always buy everything directly in € using Interactive Brokers and Trade Republic.
Hedging is only going to make sense if you're 100% confident the EUR is going to vastly outperform stocks in all other currencies contained within a global ETF.
If you compare the performance of EUR hedged vs. unhedged ETFs on JustETF over several years, eg.
justetf.com/en/etf-profile.html?isin=IE00BKBF6H24
to this one:
justetf.com/en/etf-profile.html?isin=IE00B4L5Y983
you'll notice you always end up losing a lot of money, as hedging (done every single day!) is very expensive over long time periods.
Interestingly enough, it significantly underperforms even if you compare their performance in USD (cause once again, hedging is expensive and reduces returns).
Ciao Angelo, I’d like to ask you a question that I’m sure you’ve been asked before: doesn’t it seem a bit risky to invest everything in a single ETF from just one issuer? Wouldn’t it be wiser to diversify across different issuers at least? Sure, Invesco might be too big to fail (fingers crossed), but other risks could still arise…
ETF’s are small shares in many different stocks, with this being said you are investing in many different stocks 😊 the S&P500 you investing in the top 500 companies in the US
Great video! When managing a larger portfolio, do you think adding less volatile ETFs like XDEB or bonds would be a good strategy for diversification? Or do you believe an all-world ETF is diversified and safe enough to handle most risks? I'd love to hear your thoughts on these options!
Thank you! I can't tell you what to do, you may feel more comfortable adding bonds and ETFs with lower volatility, which may smooth out the ride. As for us, we have a long time horizon and a high risk tolerance (we're not going to sell or suddenly change strategy if markets are down double digit %), so we feel comfortable with 90% FTSE All-World, 10% Bitcoin and at least 6 months in cash as an emergency fund. We might change our allocation a bit (eg. build a larger cash buffer for expenses) once we have actual plans to retire, meaning we don't want to work anymore :)
@AngeloColomboFi Thanks for the advice, keep up the great work ;)
For me, it's important to be on the market for future growth but it's equally important to have a good night's sleep. All world ETF is the reasonable solution.
I would not have a good night's sleep buying a All World ETF 😄It is because I do not trust many of the emerging markets.
EM only make up 10% of the all world, China 3% if you're worried about that specifically. Is that really something you'd lose sleep over? :)
Those worries are priced into share prices as well. But you should still pick whatever you feel the most confident in 👌
Would you recommend these ETFs for someone with 90grand looking for an investment for passive income
So complicated for you to say the tickers...😢
As I mentioned, all of them are in the description 👌
Do you buy ETFs monthly or weekly?
Excellent video.
But I have a small doubt, if you could clarify it for me.
Some recommended ones are Full Replication and others are Sampling.
Is it, for example, more 'risky' to have investments in an ETF that is Sampling?
Invesco FTSE, which I know you started approximately 1 year ago, is not Full Replication.
In what sense can (or cannot) this be risky?
Greetings from Portugal.
Full replication means that the ETF buys all the stocks in the index it follows. Sampling means that the ETF only buys certains stocks that usually are the most meaningful. It can be good or bad, depending on the choices they made. The SPDR MSCI World being sampling type, is outperforming many full replication type ETFs. But be sure to stay away from swap type.
@davidlguerr Obrigado David. 🙂
Most ETFs use sampling, especially when an index contains several thousand stocks. It's not something that changes the risk profile, the only "risk" would be a slight deviation from the index performance. But it can make sense to not directly hold a few hundred or even >1000 of the smallest companies in the index if they make up less than 1% of it for example based on their market cap. If you check the list of stocks for the Vanguard FTSE All-World, you'll see that the last 1000 make up a miniscule percentage in total
@AngeloColomboFi Thank you for clarifying my doubt, Angelo.
Amundi is just being smart by investing in Lockheed.