Which strategy would you pick if you had to choose? ETF tickers below!👇 🇪🇺Interactive Brokers: angelo.fi/ibkr 🇪🇺Trade Republic (4% interest!): angelo.fi/tra 👉Compare ETFs & Stocks: angelo.fi/comp 📌My Investments in P2P and Crypto: angelo.fi 📈Where I track my ETFs: angelo.fi/getq 🇦🇹🇩🇪Germany & Austria only (ETFs): angelo.fi/atde ETFs mentioned in the video (Acc = Accumulating, Dis = Distributing, ticker symbols in brackets): Vanguard FTSE All-World Acc. (VWCE) Vanguard FTSE All-World Dis. (VWRL or VGWL) Vanguard FTSE Developed World Acc. (VHVE or VGVF) Vanguard FTSE Developed World Dis. (VEVE or VGVE) iShares Core MSCI World Acc. (IWDA) SPDR MSCI World Acc. (SPPW) HSBC MSCI World Dis. (WRD or H4ZJ) xTrackers MSCI World Dis. (XDWL) Vanguard S&P 500 Acc. (VUAA) Vanguard S&P 500 Dis. (VUSA) iShares Core S&P 500 Acc. (SXR8) iShares Core S&P 500 Dis. (IUSA) Vanguard FTSE Emerging Markets Acc. (VFEA) Vanguard FTSE Emerging Markets Dis. (VFEM) iShares Core MSCI Emerging Markets IMI Acc. (EMIM) iShares Core MSCI Emerging Markets IMI Dis. (IBC3) Lyxor Core STOXX Europe 600 Acc. (MEUD) iShares STOXX Europe 600 Dis. (EXSA) Vanguard FTSE Developed Europe Acc. (VWCG) Vanguard FTSE Developed Europe Dis. (VEUR) xTrackers MSCI Europe Small Cap Acc. (XXSC) SPDR MSCI ACWI IMI Acc. (SPYI) iShares MSCI World Small Cap Acc. (IUSN) Fidelity Global Quality Income Dis. (FGEQ) HSBC FTSE EPRA NAREIT Developed Dis. (HPRD) Vanguard FTSE North America Acc. (VNRA) Vanguard FTSE North America Dis. (VNRT) Vanguard FTSE Developed Pacific Acc. (VGEK) Vanguard FTSE Developed Pacific Dis. (VAPX or VGEJ) Vanguard FTSE Japan Acc. (VJPA) Vanguard FTSE Japan Dis. (VJPN)
Hey Angelo, I have a question for you. I live in Belgium and was thinking about getting an account with de Giro. But somewhere in one of your videos or comments I saw you said something about them about regulations that made them a little less interesting. Would it therefore be more interesting to consider opening an account with interactive brokers or did I misunderstand something about that. Thanks.
Hi Alex, Yes, I consider Interactive Brokers a better option. Here is why: ua-cam.com/video/J_BYmJFGcjA/v-deo.html Trade Republic is another alternative I can recommend based on my own experience, which is also available in Belgium now: ua-cam.com/video/pGKjSzg-uoY/v-deo.html (comparison to Degrio at the end of the video)
Hi! Recently I opened an ib account. Pricing is set on tiered and trading on fractional. The thing is that when I want to buy stock (sxr8) for 2000€ the fees are 10.62€. But when I choose number of shares (5 shares are approx 2175€) then the fees are around 3€. Can you explain why? Thanks.
I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is 35% SCHD, 40% VOO, 25% VUG! Just crossed the 1m mark from an initial 170k startup in 2022. I am 42 and I plan on working until 50
Congratulations!! I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market.
Hey, you nailed it. I'm doing some research on VOO now, seems very solid. Congrats on nearing retirement. 3 years will fly.....unless of course you hate your job lol....
Love my job. Over 25 years as a mechanic for a Major Airline. Great company. Just wish I knew about stocks, index funds, growth/dividend paying ETFs years ago. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. *Lina Dineikiene* manages my funds and she has a great team. I conservatively follow her recommendations and market entry and exit points, and tbh this system makes it possible for me
My only dividend investment is SCHD. However, I keep going back-and-forth about dividend versus growth for long-term. Therefore, I decided to combine VGT & SCHD. I've been contemplating about selling SCHD and investing in QQQM. I'm not quite sold on the idea of investing in dividend ETF when I have 20 years horizon. I am leaning towards investing in growth stocks for 20 years, then selling and buying a dividend/income ETF.
Out of curiosity I looked up her name on Google. Found her webpage. I've gotta say her credentials are just fine! Good enough to lay any doubts to rest. I popped her an email.
I moved from CANADA to EUROPE and your videos are GOLD to shorten my learning curve in this new financial landscape. Thank you ! While diversification BY REGION is important, by GOAL and AGE is even more important. I recommend the **3 fund portfolio** approach: ETFs for FOUNDATION + GROWTH + INCOME, each in a different percentage depending on the investor's age.
Truely, very helpful. I have watched many videos just to get an idea how can I start with ETF, this is the only video which does not require me to do a pre-research. Somehow other creators assumes that you have your hand on the ETF or stock. appreciate your work, please make more content like this.
You are truly a blessing to beginner level investors. Truly amazing content
Рік тому+8
Thank you so much on all of your effort Angelo. The content you are providing is amazing and I'm happy to have started this investment journey with you. Keep up amazing work and lot of love for you and your family! ❤
I truly appreciate your content and time and care you put into the information you share. It is also a wonderful balance to all of the US oriented investment content. A 1 or 2 fund ETF strategy appears to be the most practical from the standpoint of costs and long-term return.
Hello Angelo, sorry to bother again. Another you probably know and I can not identify for Europe is: XLV I think is a very interesting ETF. Thank you! :) Highly appreciated if you have any comment on this one for Europe. Merci!
I personally go with VWCE at ~85% for global exposure, ~10% in ZPRV and ~5% in ZPRX for small cap value weighted US and EU respectively (unfortunately I couldn't find small cap value weighted world etf). Balancing is easy, every month when I add more money I buy the one that is trailing it's target the most. Never selling for balance even if it would take a few months to get overperforming small cap etf back to it's target.
Recency bias at its best regarding bonds :) adding even just 10-20% could generally improve sharp-ratio without sacrificing any expected value. Also I'd suggest you to look into sequence of returns risk if you plan to retire early and also plan to enjoy it for several decades with low risk of going broke. Great video nonetheless, keep them coming.
The best video of explanations and strategies. I have been looking for this 1 week. Great job! I will stop my research at this point and start investing. Thank you!
Hi Angelo! I'm so grateful I found you and your detailed well thought out videos, thank you sooo so much! Better late than never haha I wish I found you sooner! New subbie! Please don't stop making these videos!
Hello Angelo, thank you for the video. Why would you pick those ETFs for the S&P500? In TR there is a SPDR one with a TER of 0.03%. This one wouldn't be better than those others?
I prefer the 5 fund customised portfolio within tax sheltered accounts and a 1 fund portfolio in a General Investment Account to minimise capital gains tax.
I was just going to comment on this as well. Do you think this would make SPDR MSCI ACWI IMI a better choice for Portfolio Number 3 instead of the 2ETF strategy, if one wanted to have a little bit of exposition to small caps? The size of the ETF has increased by a third to 600m, but it is still a lot smaller than Vanguard FTSE All-World and iShares MSCI World Small Cap.
Hello Angelo! Thank you for yet another quality video, greatly appreciated. When it comes down to money, and investments can you make a video about what banks, payment providers you use when investing in different brokerage accounts or P2P lending platforms?
It is overwhelming indeed 😅Thanks for your help! What do you think about the following structure, this is similar to portfolio #6, but with more control over the market cap. Do you see a lot of overlap? - Vanguard S&P 500 - iShares Core MSCI EM IMI - Lyxor Core STOXX Europe 600 - Xtrackers MSCI Europe Small Cap - iShares MSCI World Small Cap
You're welcome! The overlap could be between the Stoxx Europe 600 (since if I'm not mistaken it's made up of 200 large, 200 mid and 200 small cap stocks), the MSCI Europe Small Cap and the MSCI World Small Cap since you're going to have European Small Cap stocks there as well. As long as you're ok with excluding developed asia pacific (eg. Japan, Australia, Hong Kong, Singapore), and you don't mind the overlap and thus higher European Small Cap exposure, then it's not a bad portfolio in my opinion :)
Dear Angelo, great content as always. I have two pools of liquidity for investment. One is lump sum, for which I am going for Portfolio 5 Option 2 (Dividend Income Portfolio). The other one is for monthly investing (saving from salary) which is Portfolio 3 (World Including Small Cap). I just have to decide whether or not to convert my USD cash in my lump sum pool, into Euro, or to keep and invest in USD. Bravo on demystifying and simplifying the world of investment.
Thank you! 🙏 Usually you should be able to find it under dividend yield in the factsheet. Here in the Acc. Vanguard FTSE All-World for example: api.fundinfo.com/document/6753cd5c6d97366d7fcfa36812b8bc4d_334103/MR_DE_en_IE00BK5BQT80_YES_2023-02-28.pdf Otherwise you can look at the distributing version of the same ETF (if is there is one) to get an idea as well.
Angelo, you are an Angel sent by God to help us all, thank you so much for your help. This Investing world can be so confusing and crazy to someone who never had any contact with it. Thank you for helping us financialy iliterates (for now!)
Positive impact is a big must for my investments. Do you have any good tips on sustainable ETFs (preferable with a good focus on European companies)? I'm based in Belgium so tax-wise accumulating is pretty much the main way to go.
Hello, really happy I found your channel! Just shared a few videos with my friends. I started my ETF's investing in 2019, and I'm switching my strategy to downsize to just one ETF investing a month. After all my study I'm more inclined to invest on the MSCI ACWI (IUSQ DE) vs the FTSE ALL WORLD (VWCE DE) the reasons being the lower TER, the bigger fund size, longer inception and my personal preference on BlackRock over Vanguard. There's many positive reasons to choose VWCE as well. I would love to know why you choose VWCE, if there's a video or post that Iv'e missed please re direct me to it. Thank You :)
Angelo, what's your stance on ETFs that are just starting out? Since there's no long-term data to refer to, do you think it's safe to invest at the beginning since the unit prices are also the lowest?
Great content, Angelo! Much appreciated. Do you see any disadvantages to invest in two very similar ETFs. E.g. setting two savings plans, one with FTSI All-World and another one with MSCI ACWI? Sort of investment strategy 1a.
My only question is the following: If I buy Vanguard FTSE All-World, I'm placing a bet in all the world economy, but my ETF currency is the USD. If the US economy crashes, will the "All-World" ETF remain resilient? I don't think so... What should I do, if I don't want to remain stock with the USD? I want to bet on the US economy, but not entirely. Can you please make a video explaining how, as an european investor, you can avoid this problem? I would like to have a Portfolio invested in Europe, US, Japan, Emerging Markets, but always ETFs in my currency (EURO). Am I correct or over-complicating?
hi Angelo, I find your videos very interesting thanks for all the content, I am bout to open a IB account now. I was looking at the performance of the first 2 ETFs you mentioned, VOO vs VUSA, which you mention are exactly the same. But when I look at the performance of both of them there is a huge difference, interestingly it is not consistent as the VOO did much better over the last 1 year and the VUSA did much better over the last 5 years. do you know why?
Simply love your videos and contents. You motivated me to start investing this year. I decided to invest in ETFs only. I have a question: Does an ETF mix of FTSE all world, msci developed world, the europe small cap and an Indian ETF, makes sense from a diversification perspective? Or do you see some redundancy?
You have some overlap (India/All-World and All-World/Developed), as a result you're likely weighing Developed markets, India and Europe higher compared to a single market-neutral ETF. Nothing wrong with that if that's your preference! With your choices you still seem to be well-diversified generally, unless of course the India ETF makes up 90% of your portfolio 😅
The point of high dividend income ETF portfolios is for people who want perpetual income and not interested in capital gains in a medium to large time horizon. This is definitely a viable investment that makes sense for some people. Imagine for example a dividend portfolio that has a 5-8% income yield as an alternative to a property income of 5-8%. The former has very little management costs, no repairs, little expenses, no downtime and is passive. And if you never sell (liquidate) you can have perpetual income for life. And of course they want to stay in stocks and not in bonds etc (since those things tend to move in different ways).
To consistently get a dividend yield of 5-8% you would most likely have to invest into a basket of stocks with a much higher chance of default (which is why the yield is high compared to their market price). If you find a good one with that sort of yield, I'd love to take a look!
@@AngeloColomboFi FLXD | IE00BF2B0L69 , WTE5 | IE00BQZJBX31 5.25% and 5.23% respectively in European stocks. Best to use koyfin (rather than justETF) to look at their LTM Dividend yield (use their ticker name)
Thanks for getting back to me! Both those options significantly underperformed both the Stoxx Europe 600 index (35,79% vs. only 16,5% and 23,75%), the Vanguard FTSE All-World (58,55%) and the Fidelity Global Quality Income (72,79% since September 2017). Also, they're both made up of about 27% financial stocks/banks. If you check their chart on JustETF and exclude dividends, they are actually down in value since 2014 (Wisdomtree) and since 2017 (Franklin). So I don't think those two prove your point. Not trying to criticize anyone following a dividend focused strategy, simply trying to explain my reasoning for why I think looking at the full picture (gains & dividends) makes more sense.
@@AngeloColomboFi I believe you missed my point there (perpetual income vs future capital gains) since they are not directly comparable with the other ETFs you presented, at least in those terms (capital growth) but ok I am not going to argue about semantics. Just imagine the scenario that someone wants cashflow now and not capital gains in 30 years.
Thank you very much, this is very helpful! The videos referring to versions accessible only to the American market are confusing. I take advantage of your expertise to ask you if there is perhaps a version for Europeans of the VUG Vanguard Growth ETF. I tried to search, but I didn't find anything... thank you very much again for the time you dedicate to making these very useful videos.
Glad it was helpful! Sadly as far as I can tell, these are the only growth ETFs that are available in Europe: www.justetf.com/en/find-etf.html?groupField=index&assetClass=class-equity&equityStrategy=Growth Maybe a quality dividend growth ETF like this one could be an alternative? www.justetf.com/en/etf-profile.html?groupField=index&assetClass=class-equity&equityStrategy=Fundamental&from=search&isin=IE00BZ56SW52
An etf like Schwab US Dividend Equity ETF (SCHD) accumulative version and domiciled in europe it would be amazing... The most diversified etfs are without a doubt vwce and iwda.
My pleasure! You can find some US-focused dividend ETFs here: www.justetf.com/en/find-etf.html?assetClass=class-equity&groupField=index&country=US&equityStrategy=Dividend
Hello Angelo, thanks for your videos, it's rare to find good sources about ETFs/Investing for Europeans. Have you ever explored factor investing? What do you think about diversifying into it and which could be some good ETFs with a proper exposure to factors? Thanks!
Thank you Pietro! I have, but sadly factor ETFs come with disadvantages tax-wise in Austria, especially when there's a lot of turnover within an ETF. I'm also not fully convinced of factor ETFs being able to outperform broad low-cost ETFs for the FTSE All-World or MSCI World long-term after fees. The only factor I would consider adding to VWCE myself is size (eg. MSCI World Small Cap or MSCI Europe Small Cap). But if you're convinced of factor investing, you could look at this one: JPMorgan Global Equity Multi-Factor Acc. ETF (JPGL). It combines several factors at once and is a lot cheaper then most other factor ETFs out there with a TER of only 0,2%.
@@AngeloColomboFi Thanks for the info! Your inputs are almost exactly what i'm already investigating. I own JPGL since it's a good multi-factor exposure to large/mid caps in terms of value and quality/profitability, but i'm not fully convinced because of the low AUM, and also because on IB it seems not possible to buy it on IBIS (XET). About the size, i own the only SCV UCITS ETFs i've found, ZPRX and ZPRV. But we're missing some good small-cap value ETF that covers at least developed countries sadly 😢 I've found some tips about Avantis opening UCITS ETFs in future 🤞
@@AngeloColomboFi There are significant changes in Degiro. IBKR seems not affected. However, I believe that the problem will affect all brokers gradually. It relates to the PRIIPs (Packaged Retail and Insurance-based Investment Products) and the lack of Key Investor Document - KID in local language. Practically, I can buy only few ETFs in Degiro. This was a sudden change that took place 16th of March.
Oh, thanks for the clarification. The EU seems to be doing everything in its power to make investing in Europe as complicated and bureaucratic as possible. Luckily it seems to only affect Degiro so far. Hopefully it stays that way (and is corrected there soon as well).
Hi Florin, I mentioned the Stoxx Europe 600 ETF in the video :) As for the MSCI Europe (IMAE), I think the Stoxx Europe 600 and the FTSE Developed Europe are better and broader indexes, which is why I prefer them.
Great content! What do you think of ben felix’s 5 factor portfolio ? Supposedly it performs slightly better in the long term but is there any practical way of implementing it in europe without getting hammered by a ton of transaction fees ?
Hello Angelo, thank you so much for the whole content of your channel, the way you make your videos is amazing, absolutely straight forward and understandable. I am just starting now to invest into ETFs, I am considering 1 or 2 ETFs portfolio strategy, now I am debating my investment approach. What are your thoughts about investing 5$ every day or one time a month investment into a single ETF.( IBKR will be my platform of usage ) I am planning of 500€ to 600€ a month investment, which approach is smarter considering the buying fees?
Hey Angelo, thank you for info. I'm starting my jorney of Investor now. And I will follow your one ETF - FTSE All world strategy to start with. Your analysis looks pretty convinient. Could you please tell something about single most popular stocks like Amazone, Apple, Tesla and so on? Would you reccomend them? Thank you once again!
VWCE has 0.20% fees while VUAA has 0.07%. Thinking long-term this is a big difference isn't it? if you think compounding i think it is for a 20+ year strategy. ok i see that diversification is important but at what cost?
You're comparing apples with oranges. VWCE is covering 3.700 stocks from the whole world, VUAA 500 stocks from the US alone. If you're bullish on the US alone vs. the entire world going forward then sure, if not then that shouldn't be the deciding factor.
Thank you for the video! Very informative content! Do you recommend a preference in terms of the ETFs trade currency? We are based in Europe but I noticed most of the ETFs you highlight in your videos are in USD, is there an underlying reason for that?
Yes, always buy in EUR directly if possible, if that's your home currency, to avoid currency exchange fees. The ETFs I mention can all be traded directly in euros on Interactive Brokers and Trade Republic.
Thanks man, super nice video, how many ETF’s should someone invest in? I guess when people talk about diversifying the Portfolio it would not make much sense investing in “vanguard all-world” “vanguard emerging markets” “vanguard developed world” and sp500 because they are basically the same more or less?
You're welcome Pepé! As far as diversification within stocks goes, in my opinion the Vanguard FTSE All-World is all you need. You're simply buying the entire global market, without placing bets on any one country or sector. If you're talking about diversifying your entire investment portfolio to reduce overall risk (at least in the short-term, eg. when there's a market crash), you could look into adding bonds, holding a certain percentage in cash on an interest account or other asset classes (eg. real estate, gold, bitcoin, p2p lending etc.). Not financial advice of course, just trying to give you some input :)
Hi Angelo. Great video as always ! I would have a question which is not necesarely related to this video. I remember you said in a past video that you invest toghether with your wife. On IBKR do you use a joint account for this purpose ? For my case, I am thinking that a joint account would be better as it would give my wife full access to the account from legal point of view in case something bad happens to me. Also for my country (Eastern Europe) invididual accounts are opened with IBKR Hungary branch and joint accounts are opened with IBKR Ireland, which looks more safer. Probably for tax purpuses, if I want to sell some shares, a joint account would bring more headache.
Thank you Larentiu! No, it's all individual accounts with us (didn't have other options on any of our brokerage accounts). I'm also not sure how it would work tax-wise anyway, since we also have to file taxes separately in Austria (opposed to Germany for example). I simply added her as my emergency contact (I think that's what it was called) in IBKR, which should be enough.
Hi Angelo, I have a doubt I think there is not a single answer, but in your opinion, what should be considered if as an investor you open a broker account and then move to a different country within the EU. Do you happen to know if that affects your broker account and taxes?
Hi Angelo, I appreciate your effort in creating such an informative video. Out of curiosity, have you ever sold your VWCE ETF? When I see the trading volume ranging from 90-100K, how is their liquidity? Is it fast to sell?
I haven't yet, but you can just look at the ETF's tight spread (difference between buy/sell price) to see that there are no issues there. It's the 12th largest ETF in Europe by AUM and thus has some of the highest trading volume as well. Its average trading volume on XETRA alone (IBIS on Interactive Brokers) is about 7,4 million € (72.910 shares) per day: finance.yahoo.com/quote/VWCE.DE
Do the ACC ETFs buy more shares on IBKR? I believe they don’t offer dividend reinvestment, but does this count for the ETF too? For example the VT ETF. Thanks for the answer and great content!
Hi Angelo. Do you think that small fund size of Fidelity global quality income etf is a problem? I personally like this etf, but the size worries me a bit.
Hi Angelo, Why the SPDR MSCI World UCITS ETF, is not a better choice for investing in the developed world market since as lower fees then the others? All the best. Great videos!
Hello, can you please make a video explaing the different exchange trade like swx,tdg,.. basically the information beside each etf, is very confusing. Which one to select or pay attention to ?
Hi Angelo! I found your videos very interesting and inspiring! Since we are going to (or at least we should) face a situation where interest rates will stay flat or drop and so bonds value should raise up, it could be more convenient to buy some bonds ETFs or to have an accumulation plan built with stock ETF AND ALSO bond ETF (instead of stock ETF only) to decorrelate any draw down of the stock market? Thank you!
If only we knew the future 😅 I prefer just buying the market compared to including more expensive factor ETFs, which can over- or underperform over long time periods.
Very useful video, as I'm reviewing my choice of ETF: VWRL. Do you have an opinion on BRK.B as main holding, alongside an all-world FSTE/MSCI ETF? Grazie :)
Thank you for the great video! Do you know any ETF that has a 3.5% Div yield, that has been growing its dividend for a long time, while increasing its value at the same time? It seems very hard to find anything like SCHD, wondering why it is so hard to find an ETF that copies it!!!!
Hi!! Thank you so much for your videos!! Súper insightful!! I keep learning every time. I have a question, I am trying to find some of the ETFs you've mentioned in EUR, but most of them are in USD. How can I find the ETF VWVE in Euros? Or may be some of them or just in USD? Thanks!!!
Which strategy would you pick if you had to choose? ETF tickers below!👇
🇪🇺Interactive Brokers: angelo.fi/ibkr
🇪🇺Trade Republic (4% interest!): angelo.fi/tra
👉Compare ETFs & Stocks: angelo.fi/comp
📌My Investments in P2P and Crypto: angelo.fi
📈Where I track my ETFs: angelo.fi/getq
🇦🇹🇩🇪Germany & Austria only (ETFs): angelo.fi/atde
ETFs mentioned in the video (Acc = Accumulating, Dis = Distributing, ticker symbols in brackets):
Vanguard FTSE All-World Acc. (VWCE)
Vanguard FTSE All-World Dis. (VWRL or VGWL)
Vanguard FTSE Developed World Acc. (VHVE or VGVF)
Vanguard FTSE Developed World Dis. (VEVE or VGVE)
iShares Core MSCI World Acc. (IWDA)
SPDR MSCI World Acc. (SPPW)
HSBC MSCI World Dis. (WRD or H4ZJ)
xTrackers MSCI World Dis. (XDWL)
Vanguard S&P 500 Acc. (VUAA)
Vanguard S&P 500 Dis. (VUSA)
iShares Core S&P 500 Acc. (SXR8)
iShares Core S&P 500 Dis. (IUSA)
Vanguard FTSE Emerging Markets Acc. (VFEA)
Vanguard FTSE Emerging Markets Dis. (VFEM)
iShares Core MSCI Emerging Markets IMI Acc. (EMIM)
iShares Core MSCI Emerging Markets IMI Dis. (IBC3)
Lyxor Core STOXX Europe 600 Acc. (MEUD)
iShares STOXX Europe 600 Dis. (EXSA)
Vanguard FTSE Developed Europe Acc. (VWCG)
Vanguard FTSE Developed Europe Dis. (VEUR)
xTrackers MSCI Europe Small Cap Acc. (XXSC)
SPDR MSCI ACWI IMI Acc. (SPYI)
iShares MSCI World Small Cap Acc. (IUSN)
Fidelity Global Quality Income Dis. (FGEQ)
HSBC FTSE EPRA NAREIT Developed Dis. (HPRD)
Vanguard FTSE North America Acc. (VNRA)
Vanguard FTSE North America Dis. (VNRT)
Vanguard FTSE Developed Pacific Acc. (VGEK)
Vanguard FTSE Developed Pacific Dis. (VAPX or VGEJ)
Vanguard FTSE Japan Acc. (VJPA)
Vanguard FTSE Japan Dis. (VJPN)
Hey Angelo, I have a question for you. I live in Belgium and was thinking about getting an account with de Giro. But somewhere in one of your videos or comments I saw you said something about them about regulations that made them a little less interesting. Would it therefore be more interesting to consider opening an account with interactive brokers or did I misunderstand something about that. Thanks.
Hi Alex,
Yes, I consider Interactive Brokers a better option. Here is why: ua-cam.com/video/J_BYmJFGcjA/v-deo.html
Trade Republic is another alternative I can recommend based on my own experience, which is also available in Belgium now: ua-cam.com/video/pGKjSzg-uoY/v-deo.html (comparison to Degrio at the end of the video)
Hi! Recently I opened an ib account. Pricing is set on tiered and trading on fractional. The thing is that when I want to buy stock (sxr8) for 2000€ the fees are 10.62€. But when I choose number of shares (5 shares are approx 2175€) then the fees are around 3€. Can you explain why? Thanks.
Hi Angelo. THX for the video I live in Hungary and I am thinking to invest but dont know which platform is better Interactive Brokers or Lightyear?
Definitely IBKR, they also offer tax-advantaged TBSZ accounts for Hungarians: angelo.fi/ibkr
I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is 35% SCHD, 40% VOO, 25% VUG! Just crossed the 1m mark from an initial 170k startup in 2022. I am 42 and I plan on working until 50
Congratulations!! I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market.
Hey, you nailed it. I'm doing some research on VOO now, seems very solid. Congrats on nearing retirement. 3 years will fly.....unless of course you hate your job lol....
Love my job. Over 25 years as a mechanic for a Major Airline. Great company. Just wish I knew about stocks, index funds, growth/dividend paying ETFs years ago. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. *Lina Dineikiene* manages my funds and she has a great team. I conservatively follow her recommendations and market entry and exit points, and tbh this system makes it possible for me
My only dividend investment is SCHD. However, I keep going back-and-forth about dividend versus growth for long-term. Therefore, I decided to combine VGT & SCHD. I've been contemplating about selling SCHD and investing in QQQM. I'm not quite sold on the idea of investing in dividend ETF when I have 20 years horizon. I am leaning towards investing in growth stocks for 20 years, then selling and buying a dividend/income ETF.
Out of curiosity I looked up her name on Google. Found her webpage. I've gotta say her credentials are just fine! Good enough to lay any doubts to rest. I popped her an email.
Thank you for the video. I personally choose 2 ETFs, Vanguard FTSE Acc and Ishares World Small Cap. The ratio is 90/10 like you suggested.
I moved from CANADA to EUROPE and your videos are GOLD to shorten my learning curve in this new financial landscape. Thank you ! While diversification BY REGION is important, by GOAL and AGE is even more important. I recommend the **3 fund portfolio** approach: ETFs for FOUNDATION + GROWTH + INCOME, each in a different percentage depending on the investor's age.
Great, I'm happy to hear that!
Truely, very helpful. I have watched many videos just to get an idea how can I start with ETF, this is the only video which does not require me to do a pre-research. Somehow other creators assumes that you have your hand on the ETF or stock. appreciate your work, please make more content like this.
Great video. My bank manager would never tell me this stuff 🙂 He tried to sell me their "Dynamic Portfolio" which wasn't so dynamic.
SPDR MSCI ACWI IMI UCITS ETF has changed since then: TER - 0,17%, Fund size: 1,558 m and it holds 3,534 securities.
Thank you for quoting European connection. I have watched too many vids on ETFs not available in Europe butnot referenced as such...
You are truly a blessing to beginner level investors. Truly amazing content
Thank you so much on all of your effort Angelo. The content you are providing is amazing and I'm happy to have started this investment journey with you. Keep up amazing work and lot of love for you and your family! ❤
Thank you Mile, hearing that means a lot to me! Lots of love to you and your family as well!
Absolutely MEGA content!! Great Job!! Keep them coming!
I truly appreciate your content and time and care you put into the information you share. It is also a wonderful balance to all of the US oriented investment content. A 1 or 2 fund ETF strategy appears to be the most practical from the standpoint of costs and long-term return.
Thank you, I'm very happy to hear that! I agree, I think we're also more likely to stick to simple strategies in general
I make the pie in 3/3 by 33% of all
1/3 of dividend, foundational, growth etfs
Hello Angelo, sorry to bother again. Another you probably know and I can not identify for Europe is: XLV I think is a very interesting ETF. Thank you! :) Highly appreciated if you have any comment on this one for Europe. Merci!
I personally go with VWCE at ~85% for global exposure, ~10% in ZPRV and ~5% in ZPRX for small cap value weighted US and EU respectively (unfortunately I couldn't find small cap value weighted world etf). Balancing is easy, every month when I add more money I buy the one that is trailing it's target the most. Never selling for balance even if it would take a few months to get overperforming small cap etf back to it's target.
Sounds like a well thought out strategy, thank you for sharing!🙏
Recency bias at its best regarding bonds :) adding even just 10-20% could generally improve sharp-ratio without sacrificing any expected value. Also I'd suggest you to look into sequence of returns risk if you plan to retire early and also plan to enjoy it for several decades with low risk of going broke. Great video nonetheless, keep them coming.
Writing this comment purely for the algorithm, thank you for your amazing content ❤
Thanks a lot for the shared knowledge! It is really helpful
The best video of explanations and strategies. I have been looking for this 1 week. Great job! I will stop my research at this point and start investing. Thank you!
Great content ! It would be good to see a video where you show how to actually invest with IB (the site is not user friendly for beginners). Thanks!
Thank you Elena! Here you go: ua-cam.com/video/J_BYmJFGcjA/v-deo.html
Thanks Angelo, a very interesting guide for the European investor providing a lot of information.
My pleasure!
Hi Angelo! I'm so grateful I found you and your detailed well thought out videos, thank you sooo so much! Better late than never haha I wish I found you sooner! New subbie! Please don't stop making these videos!
I would also add Emerging Market to my folio.
Hello Angelo, thank you for the video. Why would you pick those ETFs for the S&P500? In TR there is a SPDR one with a TER of 0.03%. This one wouldn't be better than those others?
Yes, I believe the SPDR one with its 0.03% TER is currently the best pick for S&P 500 ETFs 👌
I prefer the 5 fund customised portfolio within tax sheltered accounts and a 1 fund portfolio in a General Investment Account to minimise capital gains tax.
Nice, I wish we had tax sheltered accounts in Austria. Where are you based?
The SPDR MSCI ACWI IMI will lower it's TER from 0.40% to 0.17% starting April 3, 2023.
That's fantastic news, thanks for sharing!
I was just going to comment on this as well. Do you think this would make SPDR MSCI ACWI IMI a better choice for Portfolio Number 3 instead of the 2ETF strategy, if one wanted to have a little bit of exposition to small caps? The size of the ETF has increased by a third to 600m, but it is still a lot smaller than Vanguard FTSE All-World and iShares MSCI World Small Cap.
Complimenti per la chiarezza e la trasparenza, ottimi contenuti👌🏻…
Grazie! 🙏
Your videos are awesome! So much useful info if you want to invest in being based in EU.
Hello Angelo! Thank you for yet another quality video, greatly appreciated. When it comes down to money, and investments can you make a video about what banks, payment providers you use when investing in different brokerage accounts or P2P lending platforms?
It is overwhelming indeed 😅Thanks for your help!
What do you think about the following structure, this is similar to portfolio #6, but with more control over the market cap. Do you see a lot of overlap?
- Vanguard S&P 500
- iShares Core MSCI EM IMI
- Lyxor Core STOXX Europe 600
- Xtrackers MSCI Europe Small Cap
- iShares MSCI World Small Cap
You're welcome! The overlap could be between the Stoxx Europe 600 (since if I'm not mistaken it's made up of 200 large, 200 mid and 200 small cap stocks), the MSCI Europe Small Cap and the MSCI World Small Cap since you're going to have European Small Cap stocks there as well.
As long as you're ok with excluding developed asia pacific (eg. Japan, Australia, Hong Kong, Singapore), and you don't mind the overlap and thus higher European Small Cap exposure, then it's not a bad portfolio in my opinion :)
@@AngeloColomboFi Thanks for the clarification!
Dear Angelo, great content as always. I have two pools of liquidity for investment. One is lump sum, for which I am going for Portfolio 5 Option 2 (Dividend Income Portfolio). The other one is for monthly investing (saving from salary) which is Portfolio 3 (World Including Small Cap). I just have to decide whether or not to convert my USD cash in my lump sum pool, into Euro, or to keep and invest in USD. Bravo on demystifying and simplifying the world of investment.
Thank you Rob, I'm glad you got some ideas from watching my video!
Thanks for your brief explanation Angelo ,I would like to ask you if you can Explain us about Etfmatic ?
Excellent Video. One question: How to track the amount reinvested as dividend in accumulating ETF?
Thank you! 🙏
Usually you should be able to find it under dividend yield in the factsheet. Here in the Acc. Vanguard FTSE All-World for example: api.fundinfo.com/document/6753cd5c6d97366d7fcfa36812b8bc4d_334103/MR_DE_en_IE00BK5BQT80_YES_2023-02-28.pdf
Otherwise you can look at the distributing version of the same ETF (if is there is one) to get an idea as well.
Angelo, you are an Angel sent by God to help us all, thank you so much for your help. This Investing world can be so confusing and crazy to someone who never had any contact with it. Thank you for helping us financialy iliterates (for now!)
Excellent video! Thanks for the great information and research work :)
My pleasure! It was a lot more time intensive than I had planned, so I'm glad it was useful :)
Positive impact is a big must for my investments. Do you have any good tips on sustainable ETFs (preferable with a good focus on European companies)? I'm based in Belgium so tax-wise accumulating is pretty much the main way to go.
Thank you so much for the helpful and informative videos you are making for EU investors, such a big help!
My pleasure!
Does anyone here like FUSD? (Fidelity US Quality Income UCITS ETF)
Yes i am, i like the criteria they are using another one i like is dgrw
Hello, really happy I found your channel! Just shared a few videos with my friends. I started my ETF's investing in 2019, and I'm switching my strategy to downsize to just one ETF investing a month. After all my study I'm more inclined to invest on the MSCI ACWI (IUSQ DE) vs the FTSE ALL WORLD (VWCE DE) the reasons being the lower TER, the bigger fund size, longer inception and my personal preference on BlackRock over Vanguard. There's many positive reasons to choose VWCE as well. I would love to know why you choose VWCE, if there's a video or post that Iv'e missed please re direct me to it. Thank You :)
So much work u have done! Thank u so much
Very useful video. Thank you very much Angelo!
Could you make a video about ESG and SRI ETFs?
Thanks for the content, very helpful
Angelo, what's your stance on ETFs that are just starting out? Since there's no long-term data to refer to, do you think it's safe to invest at the beginning since the unit prices are also the lowest?
Great content, Angelo! Much appreciated. Do you see any disadvantages to invest in two very similar ETFs. E.g. setting two savings plans, one with FTSI All-World and another one with MSCI ACWI? Sort of investment strategy 1a.
Thank you Angelo! Question: How do you choose between an ETF in USD vs EURO?
Thank you for the video, Angelo. We are currently in the VUSA, planning to change for VUAA when we reach the non-taxable cap for dividends.
You're welcome Kevin! Thanks for sharing!🙏
@@AngeloColomboFi Hi, Angelo, can we buy VUAA in EUR at Interactive Brokers?
Thank you for sharing Angelo
My only question is the following:
If I buy Vanguard FTSE All-World, I'm placing a bet in all the world economy, but my ETF currency is the USD. If the US economy crashes, will the "All-World" ETF remain resilient? I don't think so...
What should I do, if I don't want to remain stock with the USD? I want to bet on the US economy, but not entirely. Can you please make a video explaining how, as an european investor, you can avoid this problem?
I would like to have a Portfolio invested in Europe, US, Japan, Emerging Markets, but always ETFs in my currency (EURO).
Am I correct or over-complicating?
Thank u! You are useful for European
hi Angelo, I find your videos very interesting thanks for all the content, I am bout to open a IB account now. I was looking at the performance of the first 2 ETFs you mentioned, VOO vs VUSA, which you mention are exactly the same. But when I look at the performance of both of them there is a huge difference, interestingly it is not consistent as the VOO did much better over the last 1 year and the VUSA did much better over the last 5 years. do you know why?
Most likely you're comparing the performance in USD (VOO) to its performance in EUR (VUSA). Otherwise the difference should be minimal.
Amazing! Thanks for the top quality analysis as always 🤑
Simply love your videos and contents. You motivated me to start investing this year. I decided to invest in ETFs only.
I have a question: Does an ETF mix of FTSE all world, msci developed world, the europe small cap and an Indian ETF, makes sense from a diversification perspective? Or do you see some redundancy?
You have some overlap (India/All-World and All-World/Developed), as a result you're likely weighing Developed markets, India and Europe higher compared to a single market-neutral ETF. Nothing wrong with that if that's your preference! With your choices you still seem to be well-diversified generally, unless of course the India ETF makes up 90% of your portfolio 😅
Thanks alot for your response Angelo. Indeed, my preferences are as you have mentioned. And of course its not 90% India based portfolio 😅
The point of high dividend income ETF portfolios is for people who want perpetual income and not interested in capital gains in a medium to large time horizon.
This is definitely a viable investment that makes sense for some people. Imagine for example a dividend portfolio that has a 5-8% income yield as an alternative to a property income of 5-8%. The former has very little management costs, no repairs, little expenses, no downtime and is passive. And if you never sell (liquidate) you can have perpetual income for life.
And of course they want to stay in stocks and not in bonds etc (since those things tend to move in different ways).
To consistently get a dividend yield of 5-8% you would most likely have to invest into a basket of stocks with a much higher chance of default (which is why the yield is high compared to their market price). If you find a good one with that sort of yield, I'd love to take a look!
@@AngeloColomboFi FLXD | IE00BF2B0L69 , WTE5 | IE00BQZJBX31 5.25% and 5.23% respectively in European stocks.
Best to use koyfin (rather than justETF) to look at their LTM Dividend yield (use their ticker name)
Thanks for getting back to me! Both those options significantly underperformed both the Stoxx Europe 600 index (35,79% vs. only 16,5% and 23,75%), the Vanguard FTSE All-World (58,55%) and the Fidelity Global Quality Income (72,79% since September 2017). Also, they're both made up of about 27% financial stocks/banks.
If you check their chart on JustETF and exclude dividends, they are actually down in value since 2014 (Wisdomtree) and since 2017 (Franklin). So I don't think those two prove your point.
Not trying to criticize anyone following a dividend focused strategy, simply trying to explain my reasoning for why I think looking at the full picture (gains & dividends) makes more sense.
@@AngeloColomboFi I believe you missed my point there (perpetual income vs future capital gains) since they are not directly comparable with the other ETFs you presented, at least in those terms (capital growth)
but ok I am not going to argue about semantics.
Just imagine the scenario that someone wants cashflow now and not capital gains in 30 years.
Sure, everyone should follow whatever strategy they find ideal for their own circumstance, I'm just sharing my own point of view.
Thank you very much, this is very helpful! The videos referring to versions accessible only to the American market are confusing. I take advantage of your expertise to ask you if there is perhaps a version for Europeans of the VUG Vanguard Growth ETF. I tried to search, but I didn't find anything... thank you very much again for the time you dedicate to making these very useful videos.
Glad it was helpful! Sadly as far as I can tell, these are the only growth ETFs that are available in Europe: www.justetf.com/en/find-etf.html?groupField=index&assetClass=class-equity&equityStrategy=Growth
Maybe a quality dividend growth ETF like this one could be an alternative? www.justetf.com/en/etf-profile.html?groupField=index&assetClass=class-equity&equityStrategy=Fundamental&from=search&isin=IE00BZ56SW52
thank you very very much! @@AngeloColomboFi
An etf like Schwab US Dividend Equity ETF (SCHD) accumulative version and domiciled in europe it would be amazing...
The most diversified etfs are without a doubt vwce and iwda.
Yeah, there are quite a few interesting ones that I'd love to have available in Europe as well.
Amazing content Angelo. 🙏
Helo Angelo :) Thank you for your support for all of us 🤗 I have a question :
Which ETF from European is similar to ETF SCHD and SCHG ? :)
My pleasure! You can find some US-focused dividend ETFs here: www.justetf.com/en/find-etf.html?assetClass=class-equity&groupField=index&country=US&equityStrategy=Dividend
Hello Angelo, thanks for your videos, it's rare to find good sources about ETFs/Investing for Europeans. Have you ever explored factor investing? What do you think about diversifying into it and which could be some good ETFs with a proper exposure to factors? Thanks!
Thank you Pietro! I have, but sadly factor ETFs come with disadvantages tax-wise in Austria, especially when there's a lot of turnover within an ETF. I'm also not fully convinced of factor ETFs being able to outperform broad low-cost ETFs for the FTSE All-World or MSCI World long-term after fees. The only factor I would consider adding to VWCE myself is size (eg. MSCI World Small Cap or MSCI Europe Small Cap).
But if you're convinced of factor investing, you could look at this one: JPMorgan Global Equity Multi-Factor Acc. ETF (JPGL). It combines several factors at once and is a lot cheaper then most other factor ETFs out there with a TER of only 0,2%.
@@AngeloColomboFi Thanks for the info! Your inputs are almost exactly what i'm already investigating. I own JPGL since it's a good multi-factor exposure to large/mid caps in terms of value and quality/profitability, but i'm not fully convinced because of the low AUM, and also because on IB it seems not possible to buy it on IBIS (XET). About the size, i own the only SCV UCITS ETFs i've found, ZPRX and ZPRV. But we're missing some good small-cap value ETF that covers at least developed countries sadly 😢 I've found some tips about Avantis opening UCITS ETFs in future 🤞
That was awesome! Thank you!
Happy to hear that, you're welcome!
Hi Angelo. What shall we do that KID is absolutely missing from many EU local languages ?
Can you give me more details (eg broker & ETF)? Any specific Europe-domiciled ETF you can't buy?
@@AngeloColomboFi There are significant changes in Degiro. IBKR seems not affected. However, I believe that the problem will affect all brokers gradually. It relates to the PRIIPs (Packaged Retail and Insurance-based Investment Products) and the lack of Key Investor Document - KID in local language. Practically, I can buy only few ETFs in Degiro. This was a sudden change that took place 16th of March.
Oh, thanks for the clarification. The EU seems to be doing everything in its power to make investing in Europe as complicated and bureaucratic as possible. Luckily it seems to only affect Degiro so far. Hopefully it stays that way (and is corrected there soon as well).
@@AngeloColomboFi Hello Angelo for EU investitors why you don't take in consideration also europe etf like stock 600 ex IMAE for exemple?
Hi Florin, I mentioned the Stoxx Europe 600 ETF in the video :) As for the MSCI Europe (IMAE), I think the Stoxx Europe 600 and the FTSE Developed Europe are better and broader indexes, which is why I prefer them.
Angelo, what is best ETF that covers food, beverages and FMCG companies?
Great content! What do you think of ben felix’s 5 factor portfolio ? Supposedly it performs slightly better in the long term but is there any practical way of implementing it in europe without getting hammered by a ton of transaction fees ?
Thank you for video about your investing opinion
My pleasure!
Hey @angelo - Thanks so much for these videos. Really helpful. Which platform do you use to invest? Trade Republic or Interactive Brokers?
Great work Angelo! As always. Can you please suggest a good Consumer Etf (ucits). Thanks!
You're content is great. Wish you'd slow your speech a bit.
Hello Angelo, thank you so much for the whole content of your channel, the way you make your videos is amazing, absolutely straight forward and understandable.
I am just starting now to invest into ETFs, I am considering 1 or 2 ETFs portfolio strategy, now I am debating my investment approach.
What are your thoughts about investing 5$ every day or one time a month investment into a single ETF.( IBKR will be my platform of usage )
I am planning of 500€ to 600€ a month investment, which approach is smarter considering the buying fees?
Hey Angelo, thank you for info. I'm starting my jorney of Investor now. And I will follow your one ETF - FTSE All world strategy to start with. Your analysis looks pretty convinient.
Could you please tell something about single most popular stocks like Amazone, Apple, Tesla and so on? Would you reccomend them?
Thank you once again!
Hi there.. I would like a critical review of my selection please... Tdgb and jplg.. 50/50.. What di you think are pros and cons. Cheers!!!
Thank you for this. It seems the fees for the STOXX 600 ETFs are generally higher than e.g. the S&P 500 ETFs, I find it off-putting.
VWCE has 0.20% fees while VUAA has 0.07%. Thinking long-term this is a big difference isn't it? if you think compounding i think it is for a 20+ year strategy. ok i see that diversification is important but at what cost?
You're comparing apples with oranges. VWCE is covering 3.700 stocks from the whole world, VUAA 500 stocks from the US alone. If you're bullish on the US alone vs. the entire world going forward then sure, if not then that shouldn't be the deciding factor.
TDIV has been an excellent dividend ETF.
Nice find! The only part I don't like is that it seems to be ESG-filtered and that it currently contains 33% financials
@@AngeloColomboFi yes it's weighted defensively as you'd imagine and perhaps a bit rich in financials, but a good blend.
its interesting to compare performance of some allworld accumulating ETF to Bitcoin, is there any ready chart?
Yes, just use this great website: curvo.eu/backtest
Thank you for the video! Very informative content! Do you recommend a preference in terms of the ETFs trade currency? We are based in Europe but I noticed most of the ETFs you highlight in your videos are in USD, is there an underlying reason for that?
Yes, always buy in EUR directly if possible, if that's your home currency, to avoid currency exchange fees. The ETFs I mention can all be traded directly in euros on Interactive Brokers and Trade Republic.
Could you please clarify if investing in USD based ETFs with Euros is a bad choice? Des the exchange rate play a big role here? Thanks!
Good video Angelo. Running the speed at 0.75 makes it easier to catch
I feel honored that you're willing to spend even more time listening to me 😅
Excellent content, thank you!
My pleasure!
Thanks man, super nice video, how many ETF’s should someone invest in? I guess when people talk about diversifying the Portfolio it would not make much sense investing in “vanguard all-world” “vanguard emerging markets” “vanguard developed world” and sp500 because they are basically the same more or less?
You're welcome Pepé! As far as diversification within stocks goes, in my opinion the Vanguard FTSE All-World is all you need. You're simply buying the entire global market, without placing bets on any one country or sector. If you're talking about diversifying your entire investment portfolio to reduce overall risk (at least in the short-term, eg. when there's a market crash), you could look into adding bonds, holding a certain percentage in cash on an interest account or other asset classes (eg. real estate, gold, bitcoin, p2p lending etc.). Not financial advice of course, just trying to give you some input :)
Hi Angelo. Great video as always !
I would have a question which is not necesarely related to this video. I remember you said in a past video that you invest toghether with your wife. On IBKR do you use a joint account for this purpose ? For my case, I am thinking that a joint account would be better as it would give my wife full access to the account from legal point of view in case something bad happens to me. Also for my country (Eastern Europe) invididual accounts are opened with IBKR Hungary branch and joint accounts are opened with IBKR Ireland, which looks more safer. Probably for tax purpuses, if I want to sell some shares, a joint account would bring more headache.
Thank you Larentiu! No, it's all individual accounts with us (didn't have other options on any of our brokerage accounts). I'm also not sure how it would work tax-wise anyway, since we also have to file taxes separately in Austria (opposed to Germany for example). I simply added her as my emergency contact (I think that's what it was called) in IBKR, which should be enough.
Hi Angelo, I have a doubt I think there is not a single answer, but in your opinion, what should be considered if as an investor you open a broker account and then move to a different country within the EU. Do you happen to know if that affects your broker account and taxes?
Hi Angelo,
I appreciate your effort in creating such an informative video. Out of curiosity, have you ever sold your VWCE ETF? When I see the trading volume ranging from 90-100K, how is their liquidity? Is it fast to sell?
I haven't yet, but you can just look at the ETF's tight spread (difference between buy/sell price) to see that there are no issues there. It's the 12th largest ETF in Europe by AUM and thus has some of the highest trading volume as well. Its average trading volume on XETRA alone (IBIS on Interactive Brokers) is about 7,4 million € (72.910 shares) per day: finance.yahoo.com/quote/VWCE.DE
Very informative but very fast)
Hi! What do you think about the GGRW instead of FGEQ in dividend portfolio?
Do the ACC ETFs buy more shares on IBKR? I believe they don’t offer dividend reinvestment, but does this count for the ETF too? For example the VT ETF. Thanks for the answer and great content!
Hi, really interesting video! I try to find first ETF you showed, and meet with an issue. What is the difference between VWCE / VWRP / VWRA?
I have found that the main difference is currency you can pay with, but mb something more? :)
I'm new to investing, I've invested in the S&P 500 fund, is there much point then in investing in all the ones you mentioned as they overlap?
What do you think about 2x leveraged ETF?
Too risky in my opinion.
Would you recommend buy 10-20% bond ETFs? And what bond etf would you recommend ? Thanks alott for the video
Hi Angelo. Do you think that small fund size of Fidelity global quality income etf is a problem? I personally like this etf, but the size worries me a bit.
Hi Angelo, Why the SPDR MSCI World UCITS ETF, is not a better choice for investing in the developed world market since as lower fees then the others?
All the best. Great videos!
Thank you! It is one of the best choices, I listed it for that reason in the video description :)
Hello, can you please make a video explaing the different exchange trade like swx,tdg,.. basically the information beside each etf, is very confusing. Which one to select or pay attention to ?
Hi Angelo! I found your videos very interesting and inspiring!
Since we are going to (or at least we should) face a situation where interest rates will stay flat or drop and so bonds value should raise up, it could be more convenient to buy some bonds ETFs or to have an accumulation plan built with stock ETF AND ALSO bond ETF (instead of stock ETF only) to decorrelate any draw down of the stock market?
Thank you!
Thank you! Maybe, but I don't like to speculate with my savings. My 10% crypto allocation is plenty of "excitement" for me :)
What about integrate All World with some factor (or smart Beta) ETFs? Will they improve portfolio or in the long period they don't worth it?
If only we knew the future 😅
I prefer just buying the market compared to including more expensive factor ETFs, which can over- or underperform over long time periods.
Im in dilemma between VUSA and VUAA and come from europe
Very useful video, as I'm reviewing my choice of ETF: VWRL. Do you have an opinion on BRK.B as main holding, alongside an all-world FSTE/MSCI ETF? Grazie :)
Thank you Simone! I like Berkshire, certainly one of the better single stock picks (in my opinion), as it's basically a fund in itself.
Great video. I was wondering what you thing of Vanguard Lifestrategy as an alternative one ETF portfolio ?
Thank you Nicola! Could be a great option if you want something simple and inexpensive including bonds!
Thank you for the great video! Do you know any ETF that has a 3.5% Div yield, that has been growing its dividend for a long time, while increasing its value at the same time? It seems very hard to find anything like SCHD, wondering why it is so hard to find an ETF that copies it!!!!
Yep also looking for an SCHD europe alternative...
Good video 👍🏻
Thank you Willem!
Hi Angelo. Great content for beginners as me. What about ETFs related to sustainability like MSCI WORLD SRI. What’s your take on these types of ETFs?
In my opinion SRI/ESG ratings are worthless, which is pretty clear once you see what companies are excluded/included. I would skip them personally.
Hi!! Thank you so much for your videos!! Súper insightful!! I keep learning every time.
I have a question, I am trying to find some of the ETFs you've mentioned in EUR, but most of them are in USD. How can I find the ETF VWVE in Euros? Or may be some of them or just in USD? Thanks!!!
My pleasure! You probably mean VWCE (Vanguard FTSE All-World) right? You can buy it directly in EUR on Interactive Brokers: angelo.fi/ibkr