The Best World ETF To Hold Forever (1-ETF Strategy)
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- Опубліковано 11 чер 2024
- 🇪🇺 Best broker in Europe (ETFs): angelo.fi/ibkr
If I could only pick one ETF to hold forever, which one would that be?
Let's compare the best world ETFs, from the MSCI World to the FTSE All-World, to find the ideal one for a simple 1-ETF investment strategy to keep forever. You'll also find out which one I would pick if I was starting today!
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ETFs mentioned (ticker in brackets):
📌 SPDR MSCI World Acc. (SPPW)
📌 iShares Core MSCI World Acc. (IWDA)
📌 HSBC MSCI World Dis. (WRD or H4ZJ)
📌 Vanguard FTSE Developed World Acc. (VHVE or VGVF)
📌 Vanguard FTSE Developed World Dis. (VEVE or VGVE)
📌 Vanguard FTSE All-World Acc. (VWCE)
📌 Vanguard FTSE All-World Dis. (VWRL or VGWL)
📌 SPDR MSCI ACWI IMI Acc. (SPYI)
👉 You can find them using Interactive Brokers and Trade Republic (scroll up for the links if you'd like to support me 🙏)
Time-Stamps:
00:00 An important decision
00:50 Why global diversification makes sense
01:48 ETF selection criteria
02:51 MSCI World
03:36 FTSE Developed World
04:19 Amundi Prime Global ETF
05:32 FTSE All World
06:36 MSCI ACWI IMI
07:35 Top 4 ETFs to hold forever
07:56 Which ETF would I pick if I was starting today?
08:39 Avoid this mistake!
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Disclaimer: I am only sharing my own experience. I'm not a financial advisor and you should always do your own research and due diligence before investing. Investing involves risk of losses.
Which ETF would you pick if you were starting today?
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ETFs mentioned (ticker in brackets):
SPDR MSCI World Acc. (SPPW)
iShares Core MSCI World Acc. (IWDA)
HSBC MSCI World Dis. (WRD or H4ZJ)
Vanguard FTSE Developed World Acc. (VHVE or VGVF)
Vanguard FTSE Developed World Dis. (VEVE or VGVE)
Vanguard FTSE All-World Acc. (VWCE)
Vanguard FTSE All-World Dis. (VWRL or VGWL)
SPDR MSCI ACWI IMI Acc. (SPYI)
Hello Angelo, I've been watching your videos with interest and I came to the conclusion that it's a lot safer to invest in ETFs than in individual stocks however, I'm finding that some ETFs like the XLK aren't available to European customers, is there a database where one can look for equivalents available to EU residents?
Hi Angelo, thanks for your videos. I was looking into buying index funds as opposed to ETFs, in case I do want to make a change from one index fund to another one (which, if I understand correctly, does not generate a capital gains and is not taxed until it is eventually converted into cash). Are there index funds alternatives to this for people living in Europe? I'm referring to for example VTSAX vs VOO.
Romania fan and subscriber here. Thank you for this European tailor content. Keep it up!
This is great content for us EU residents. Thanks a lot, Angelo.
Happy to hear that!
@@AngeloColomboFi Hi. I just discovered your channel and I enjoyed this video. Pretty useful for me as a total beginner.
Thanks Angelo! Quality content, as always!
Hehe that B-roll was awesome, hope you had fun doing it.
Great video! I'm sticking to VWCE too, it is performing very well especially lately and the fees are small enough
Happy to hear that! I did at the time, it was actually from an old video of mine (I'd love to do more b-roll though): ua-cam.com/video/Cyzyj-K6U0k/v-deo.html
Thank you, same here :)
it just got into me to get more info regarding etf and i landed here. Amazing information, concise and precise. Good work!
Great breakdown! I really appreciate this information and how you convey it.
As it goes, I'm a new investor and I have also chosen VWCE as my 1-ETF strategy.
I follow a similar investment approach as you (core-satelite) with 80% of my investable funds in VWCE and the rest in other "context based" investments.
Thank you! Nice, sounds like a reasonable strategy :)
Thanks Angelo. Keep up the good work.
Ok That was an amazing analysis, thank you so much!
Thanks Angelo - another great Video!
Congratulations for your work.
Thanks as always for great video, Angelo!
I’m with the FTSE all world
You're welcome as always, Italo! Nice! 🥂
I would really like a video where you explain what makes an ETF qualify as an ESG one, and how the decisions are made to include and exclude holdings to an ESG ETF
Thank you for making these videos.
Thank you and Happy New Year
Happy new year to you as well!
Great video. Thanks! 🎉
Good day Angelo, thank you for your insights in this awesome video. I believe it’ll be super helpful to long term investors. 😊
Thank you Vince, happy to hear that!
Thanks Angelo! As always, perfect analysis...!
Thank you Dimitar!
Angelo - excellent job! I really like the comment of not jumping around for similar products due to the tax implication. Bravo. Best wishes!
I'm a novice to investing. Your videos make it easy for me to understand and hopefully I'll buy my first ETF soon. Keep up the good work.
Ciao Angelo, thank you for the Video... As always great insights for people like me that want to start. Would you ever make a short video about the Austrian taxation? As a non german speaker living in Austria I find it very challenging to understand.
Thank you and keep up
Thank you! Shoot me an email, I'll send you some info on ETF taxes in AT: angelo.fi/mail
Thank you very much! Really really usefull as usual. Ciao
Happy to hear that!
Thank you for your content
Great video!
Hi Angelo, thank you for your great content. I love your videos, they teach me more about ETFs in a shorter amount of time than I could have possibly learnt without your channel. However I was wondering if you could also make a video about green/sustainable (in terms of environment, not finance) ETFs. For me, and probably many more people, it's important not to invest in things like fossil fuels. A slightly lower interest is worth that peace of mind. Perhaps you can make a video on decently performing sustainable ETFs? Thank you for considering!
I am starting today. So I guess I'll have to pick one and stick to it as advised.
Thanks for the video! 😁
Of course! 🙏
Amazing man thank you! Where did you get your hyper strong money cat from by the way? I need him
Also selected the SPYI a couple of weeks ago. Good to see that you had the same idea 😅
Nice, thanks for sharing! 🙏
Great video! I also live in Austria and I was wondering why you said that Vanguard is better for taxes in Austria. Thanks again!
Thank you! It's simply more tax-efficient based on my calculations when looking at Austrian tax data. If you send me a short email I can send you more info on how ETF taxes work here: angelo.fi/mail
Nice dating analogy, it earned you a like and a sub
Thanks for the quality video Angelo. I’ll stick with my MSCI ACWI. The performance is more or less identical to VWCE. It has less holdings but a slightly lower TER. I’m surprised it didn’t get an honorable mention in the video. Cheers!
Hi Dave, my pleasure as always! Thanks for mentioning it, it could easily have made the list as well. The reason I didn't spend time on it is because I feel like the SPDR MSCI ACWI IMI stole its thunder after lowering the TER to 0.17% and offers something extra (Small Cap) over the other ETFs on the list. The iShares MSCI ACWI is still an excellent ETF I would have zero issues holding indefinitely as well!
@@AngeloColomboFi thanks as always Angelo! I think the number one thing to remember is that over the long term, ie, more than 20 years, these ETFs will jostle for position and the TER will reflect that. If you continually invest into any of these global ETFs over the long term you’re going to come out of it very well. Looking forward to your next vid already. Cheers!
I agree, we're already on the right path by going with broad-based, passive, low-cost ETFs in the first place (over expensive active funds etc.) and our ETF's expense ratios will keep being lowered over time
Really good Content without Advertisement of Products
Thank you!
You're welcome!
THANKS Angeloooo! Ora dopo la live con Mr Rip devi farlo in italiano 😂😂😂
Hi Angelo, thank you so much for this video. I just started investing with one ETF Portfolio (MSCI ACWI IMI). Since i am from Austria as well, why is the Vanguard ETF more Tax-efficent? I didn't know our beloved Finanzamt taxes ETFs differently 😅
I have just started an Invesco FTSE all world ETF. 0.15% fee and includes developed and emerging markets. Also an accumulation
Thanks a lot Angelo for the quality of the videos! Could you tell me more why Vanguard FTSE All World is more tax efficient in Austria? I live in Vienna too and I’m trying to understand the taxes with ETFs but it’s very difficult. I know for sure that accumulating ETF have the dividends taxed like the distributing ones. Is Vanguard treated different? Thanks a lot for your help 🙏🏻
My pleasure Francesco! Just shoot me a quick email here, I'd be happy to send you more details: angelo.fi/mail
Hi Angelo, great video as always! Quick question, I have noticed you don't mention Index Funds in your channel, is there a reason? Just wondering because compared to ETF's you have better taxation rules, at least in Spain. Looking at options, the Vanguard Global Stock Index is a good alternative to the FTSE All World ETF with lower commissions, 0,18%. I'll appreciate your thoughts on this. Thank you
Hi Miguel, that's because most people (me included) don't have access to index funds. And long-term most index funds have so far underperformed their ETF counterparts, as you can see in your example (Global Stock Index = MSCI World): www.fondsweb.com/at/vergleichen/ansicht/isins/IE00B03HD209,IE00B4X9L533 -> sorry about the German
If you're planning on holding your investment long-term and not switching from one index fund to another on a regular basis, then I don't see the benefit of going with index funds in Spain.
@@AngeloColomboFi Hi Angelo, can you tell us why we can't access index funds. Im from Ireland. The ETF tax is 40%.and there is a rule where you must pay this tax every 8 years even if you don't realise gains!. It really turns me off investing. Especially when you compare it to the American tax rules. Thanks
Hi @@AngeloColomboFi, thank you for taking the time to answer to my comment, really appreciate your feedback on it. I completely agree that investing in index funds is less universal than on ETF's, here in Spain you can easily do it (fractional investment) with a Neobank called MyInvestor but there is not that many more options apart from them, I thought Interactive Brokers also had them but not sure. I have been following a very similar strategy to yours on the same ETF and will probably continue to do the same in the future, just wanted to get your input, Merry Christmas and thanks again.
Hello Angelo thank you for the great videos for non USA investors. I was wondering in regard investing in Vanguard FTSE All-World Acc. (VWCE) which is domiciled in Ireland can you please clarify if I understand correctly you buy shares directly in EUROS without converting to USD ? If I understand correctly the main reason for all investors out of USA is to choose ETF domiciled in Ireland because of taxes? I am using IBKR and I bought some VOO and SCHD and also some dividend stocks and expectedly I was automatically taxed 30 % on dividend gains. Thank you once again.
The most useful video
Thank you Marija!
Ho rivisto questo interessantissimo video e mi ha fatto riflettere sulla mia strategia. Nello specifico lo spostamento di almeno un etf-asse del portafoglio sulla versione ad accumulo (per evitare le tasse, anche se, a ben vedere, non incidono granchè sul risultato complessivo perchè i dividendi sono bassi). Ed anche l'opzione di non vendere gli etf attuali, ma affiancare quello nuovo, su cui si sposterebbero le aggiunte per accumulare.
Hey Angelo. Great video again.
I would to ask you please , why vanguard's ETFs are better for citizens of austria? Do they have lower taxation?
They seem to be operating more tax-efficiently within the fund, since that's relevant for how much we're taxed on a yearly basis in Austria when holding them. I'm happy to send you more details on ETF taxes in Austria if you shoot me a quick email: angelo.fi/mail
Great video Angelo.Do you have any suggestions for an ETF with EUR as a fund currency?
Thank you! The fund currency is irrelevant and doesn't influence returns. You can trade all of these ETFs directly in EUR anyway.
That was well explained, Thank You Angelo! Question: are you still investing(adding more money) to your 2 old etfs mentioned in the video or simply holding it and letting the interest to work for itself? And when do you plan to sell them? I am thinking of making a switch to one ETF portfolio but not surę what to do with my current 2 etfs i have hence the question. Thank you!
Just holding, we've exclusively been buying the Acc. Vanguard FTSE All-World over the past few years. Selling them would make zero sense, as they're up 47% and 70% respectively and I'd like to avoid capital gains taxes on them until we're retired and actually need the money :)
Hi Angelo, when I take a look at the SPDR MSCI ACWI IMI ETF on JustETF, it says the ETF has 3017 holdings instead of the 9204 you mentioned which is said in the factsheet. Which statistic do I need to go by? If there are only 3017 holdings then I would rather buy the FTSE All-World which has more.
Thanks,
Rory
Thank you Angelo for this analysis of criteria but I always feel you leave out the most important thing in your various videos: expected returns!! How much will our money grow? How did your portfolio do over the last years?! Make us dream 🎉
Our ETF portfolio averaged 10% p.a. in returns since 2017, but you can see a bit more historical data for ETFs here: curvo.eu/backtest/en/portfolio/vwce--NoIgag6gwgoiA0xQEkYAY0CEDSBWTAigCoAcaCAjALo1A
High quality content, as always :)
I would pick the VWCE again, so far, I don't regret my choice :)
Thanks for sharing, we have no regrets either! 🙏
Thanks for your useful videos. I know you after watching the live with Mr. Rip. What do you think in general about 80% SWDA + 20% AASI to replace VWCE? Does it make sense to you?
Nice, happy that you found me that way! Nothing wrong with that split, even if I find 20% EM Asia a bit high for my personal preference.
You mean "an ETF to rule them all?" :) Thank you for the video.
Yes, just what I was thinking about as well 😅
Merci !
My pleasure!
Hi Angelo, maybe i dont understand fully this video (english not my main language). are this ETF comparison amongs EU based ETF only? Or Did you have compare it also to the other ETF accross the globe?
ho 37 anni e il mio patrimonio è così ripartito:
- btp italia
- fondo pensione pegaso linea dinamica
- fondo pensione amundi seconda pensione espansione
- fondo pensione allianz insieme linea azionaria
aggiungeresti uno o più ETF per diversificare i miei investimenti?che ETF aggiungeresti nel mio caso?
Hi Angelo, great video! What do you think of V3AA, Vanguard ESG Global All Cap?
Not a fan of ESG funds, where companies get included or excluded based on whatever some agency decides is ESG at the time. I'd definitely be interested in a normal version of the same ETF
Thanks for your reaction! That’s exactly why I’m having doubts.
Thank you Angelo. Yup you are right. I am based in Greece.
Thanks again for the informative videos. They are of great help, especially for someone who starts now! :)
(apologies to post again, but youtube doesn't let me to reply on your comment).
I recently started investing through revolut (I find it easier, less paperwork compared to IB) in USA and the big 7 stocks. My portfolio is currently going up 8%.what's your thoughts? I also have a small part in btc and eth. Should I buy a different type of etf as well and invest more in the new one? I'm not 100% convinced in vusa after watching your video 😂
The MSCI ACWI IMI is an awesome index for diversification. It is amazing that more fund managers don't follow it. I would definitely choose the SPDR ETF that tracks this index if I wasn't already invested in other global trackers.
True! I think we might see more fund providers adding an MSCI ACWI IMI ETF if the SPDR ETF keeps growing in fund size
@AngeloColomboFi In Ireland, Irish investors have to pay a 41% exit tax on ETFs profits or pay 41% on unrealised gains every 8 years. (An archaic law called Deemed Disposable). Although, Stock is only taxed on exit at 33%. For that reason, I'm thinking of creating my own ETFs with stock, AKA, replicating an Index with fractional shares. I would love to see you attempt this and show us how. Perhaps you'd benefit from it in Austria as well.
i opened an account on the uk website should i have opened one on the ie website can you explain the difference for me please. Im from bosina and herzegovina
Hi angelo thanks for sharing. Do you convert eurow to dollars for more profit? Before you buy etfs? And in which platform do you buy?
No, that wouldn't mean more profit, rather I'd waste some money on currency exchange fees. I always buy them directly in EUR on Interactive Brokers angelo.fi/ibkr and Trade Republic angelo.fi/trep
Great video thank you.
Can I ask 2 questions:
1. Would you consider the high dividend paying etf Vanguard Funds PLC VANGUARD FTSE WRLD HI DIV YLD UCITS ETF (VHYL) LSE?
if not why not - it seems less weighted to the US Tech Stocks and gives a higher div.
2. If you thought Developed countries were going to be down for the next 10-15 years would you change your mind on your ETF choice and lean more to an ETF with higher emerging markets?
Thank you very much
1. No, I prefer the default version (which has also performed way better long-term so far) as I don't want to prioritize companies only based on dividends
2. No, I'd stick to VWCE, see the share of EM stocks in the ETF increase on its own and be happy about the fact that I chose an ETF that includes EM
Hi Angelo. Thanks for this great video. What would happen to ETF shares if brokers such as Trade Republic, Interactive Brokers, and Degiro become insolvent? I understand cash deposits may be protected up to 100K, but what about the actual investments? (ETF shares and Stocks)
read the websites, it has the info.
Your shares remain your property even in case of bankruptcy (no matter the amount), as they are simply held in custody for you. Thus they'll be transferred over to another brokerage account of yours in case any of them were to go bankrupt. The one thing worth noting is that Degiro can lend out your shares, while the other two do not, which adds some counterparty risk in Degiro's case.
@@AngeloColomboFi thanks very much!
Ciao Angelo, volevo chiederti se secondo te ha senso avere in portfolio solo 2 ETF, Vanguard FTSE All-World e iShares MSCI World UCITS in percentuale 50/50, solo come differenziazione di prodotto.
Hi Matteo, I hope it's ok if I respond in English, otherwise others with the same question won't get any use out of it. I think there is nothing wrong with that split, you're basically adding 2,5% Small Cap (due to larger number of stocks in All-World) and 5% Emerging Markets compared to just holding an MSCI World that way.
Great content. I live in Portugal but have a big chunk of my net worth in the USA in a ROTH. What is the best Int'l fund that excludes the US? Thanks
Thank you! Sadly I haven't seen global ex-US ETFs that are domiciled in Europe. You could buy a few ETFs covering different regions instead: ua-cam.com/video/dFl7KMLlgOU/v-deo.html
Dopo il tuo video con Mr Rip anche iniziero' un lungo accumulo sul VWCE ;)
Great video Angelo! For a 5 to 10 years time horizont, and with the VWCE DCA every month until forever, could the VUAA be a good pick to add with 75/25 % strategy (VWCE/VUAA)? Thank you
Thank you! You would simply be increasing your US exposure from 61% (VWCE) to 71%, while decreasing everything else further (Europe, Asia etc.). Is that the idea?
In that scenario, it may make more sense to skip EM and just buy the FTSE Developed World or MSCI World instead (70% US currently).
@@AngeloColomboFi The idea is that i assume that for the next 10 years, USA will still be the powerhouse in the market, and then i wil just stay with the other strategy of VWCE. Thank you for your reply
Angelo can you make a video about investment in ETFs for investors now living in Austria? You always say that investing from Austria is complicated, but can you explain it?
Only a small percentage of my viewers is in Austria, so a video wouldn't make much sense sadly. But if you send me a short email, I'm happy to send you more info! angelo.fi/mail
I’m leaning towards FWRA really, I’ll wait this coming 2024 for Vanguard to lower the fees, if they don’t I’m switching next year 🤷♂️
SPYI is tempting too
If FWRA manages a fund size of >€100 million and a solid tracking difference by then, they could indeed become quite interesting as a future alternative :)
Hello Angelo! Greetings from Amsterdam and thanks a lot for your videos!
I am just uncovering the tip of the iceber of the ETF's world trough your videos, I am still in diapers when is about investing
Maybe If you don't mind me asking, why is it smarter to only buy 1 world ETF? instead of two? for the long run and if you have this explanation in any other of your videos please let me know!
My pleasure! Based on my experience, I find it easier to stick to a strategy that's as easy as possible, with no need for extra decision making ("how much should I invest in each ETF this time?"). All while keeping in mind that I have no way of knowing which region is going to perform best, so I just buy them all via one simple ETF
Hello Angelo, do you have any videos about swap based ETFs? Which are the risks or pros beneath them? thanks
Hi Gabriel, it's something I might explain in more detail in the future. Thanks for the suggestion! I stick to physical ETFs personally, which actually hold the stocks in the index to avoid/minimize counterparty risk
Any idea for the mentioned ETF how does DTAA apply for the individual
Hi Angelo, I appreciate your sincerity and your simplicity.
I was wondering, why don't you diversify your ETFs, you seem to like SPDR MSCI World AND Vanguard All World.
Instead of choosing one OR the other, why don't you buy both, you diversify your asset managers so reduce "the risk", and for free (you just keep buying one or the other).
No need to do 50/50, it can be 80/20 or whatever.
I remember Ray Dalio's portfolio with ETFs from all different asset managers.
What do you think? I would like to know your opinion on it?
Happy to hear that! I don't really see the need to diversify fund providers, especially not when we're talking about well-known fund providers with a long history like Vanguard, Blackrock and SPDR and when they're physically holding the stocks within the ETF (so not synthetic SWAP-based ETFs). But if you feel better by adding a second fund provider, I don't see the harm of doing that either (if fees etc. are comparable)!
Ciao Angelo, discovered your channel after watching your live with Mr. Rip. Great job. It would be really interesting if in a future content you would go through the Vanguard Lifestrategy 80/20 as a single ETF for the whole life. This Is my strategy: I'm 34 with 2 babies. Your thoughts? 😊
Ciao Riccardo! It depends - personally I have no use for a portfolio ETF with a fixed bond allocation (eg. 20% in that case), since I like to manage the low risk part of my assets myself (eg. cash earning interest on Trade Republic). But I could see it being useful for someone that's trying to reduce risk/volatility or who wants to withdraw from their portfolio soon, while accepting likely lower average returns long-term compared to an ETF only containing stocks.
@@AngeloColomboFi till date, It has good returns (12% YTD) compared to Ishares (swda) 16% YTD: a bit lower returns with less volatility on the long term. This probably can be a good solution for those who want a very passive strategy like me (Eg. no rebalancing). Happy if in the future you'll decide to make a content on It.
Good day Angelo, thanks for the nice video!
I am based in the Netherlands and am new to investing in ETF's.
I am using Degiro, and wonder which from your table of great ETF's which one to go for considering also the taxes involved.
You mentioned that for you as an Austrian better to go for Vanguard but wonder how can I evaluate it for the Netherlands.
And since I am based in NL and without considering the commission free ETF's Degiro provides, and as a rule of thumb, should I aim to go for EURONEXT exchange? Let me know please thanks.
Ja ga altijf voor amsterdam exchange (EAM) dan heb je geen valuta kosten. Kies een etf uit de kern selectie en dan is 1x per maand aankoop gratis en maar 1e transactie kosten. Thats it.
Ik zit zelf on s&p500 etf. Belangrijkste les is: kies goed en hou het voor tientallen jaren. Zet er geld constant op elke maand. En hou emotie erbuiten voornamelijk als de markt inzakt wat ie ooit weer gaat doen uiteraard. Het herstelt altijd weer dus geen zorgen
Angelo, I am in Germany how do i open a vanguard FTSE world? :)
Thank you for your work.
SPYI isn't available in Trade Republic, right? (I can't find it)
Strange, I can find it in my Trade Republic app. You can try searching for the ISIN instead: IE00B3YLTY66
@@AngeloColomboFi It worked. Thanks a lot!
Hey Angelo!
What are your thoughts on VHYL - Vanguard FTSE All-World High Dividend.
I have my ETF portfolio of two ETF's 70/30 VWRL / VHYL.
Great video, Thanks!
growth and yield is too low for me, looking more towards TDIV and FUSD
TDIV looks nice at first sight. I was not acquainted of its existence. I will research it. Thank you Mike! @@mikemolenaar8380
Hi Peter, I mentioned that ETF here: ua-cam.com/video/V47lCH6aBkc/v-deo.html
I prefer the default FTSE All-World index, since its total return (dividends + capital gains) has been significantly better historically.
Hi Angelo, can you please tell me in short why do you consider the Vanguard ETF being better tax-wise than the SPDR one for investors in Austria? I see that both of them are located in Ireland and they share the same accumulating nature. I would use Flatex and any headsup would be appreciated 😉
Sure Matej! Generally, the 27,5% tax from the point of buying until you sell everything remains the same.
But, since we're also taxed a bit during the holding period, I've spend quite some time comparing how much taxes we pay on each Accumulating ETF in Austria on a yearly basis and found Acc. Vanguard ETFs to be the most tax-efficient overall (2x better compared to the SPDR ACWI IMI ETF so far). You can look into the tax data here: my.oekb.at/kapitalmarkt-services/kms-output/fonds-info/sd/af/f
Great,@@AngeloColomboFi, I was looking for someone with exactly that question, the reason why you said that the FTSE All-World is more tax efficient in Austria. I understood your reasons and in addition to that, I saw that you probably lived the dilemma that is preventing me from starting to invest in Germany (where I currently live). From your answer I understood that in Austria, as well as in Germany, there is the Vorabpauschale for ETFs. I can’t find material in English that tells me what happens in practice, but here in Germany, in theory, this makes the Acc and Dist funds with the same amount of taxes, but with more complexity on the part of the Acc because you need to pay in advance. Isn’t it the same in Austria? The tool you used for this study has a German equivalent? Thank you very much.
@@AngeloColomboFi Thank you Angelo for the effort and for staying curious. You have a drink from me if/when see each other in Vienna 😉
What is your opinion on: QDVR vs SXR8? Appreciate your opinion
Not a fan of SRI/ESG ETFs, since they too often change what company is included and which isn't. So I'd personally pick SXR8 among the two
Hi I have a question regarding the difference between -> number of holdings vs number of constituents (SPYI -> 3017 vs 9000)
SPDR is replicating the index using a method called optimized sampling, where not all stocks are purchased (especially the smallest ones): www.justetf.com/en/academy/physical-replication-of-etfs.html
What do you think about Invesco FTSE All-World UCITS ETF (FWRG)? Not as established as vanguards but fees, are only 0.15%.
The fund volume is too small for now, but I'll take it into consideration once it passes >€100M and if Vanguard hasn't lowered its fees by then!
Thank you for the video, Angelo!
What do you think about a possible recession in the near future? I found a lot of negative forecasts that say it's better to hold off on buying ETFs now and keep money in bonds for the next 6-10 months in anticipation of a US market crash.
My pleasure! Feel free to check all the forecasts that the same "experts" made last year for 2023 and compare them to what happened. Trying to time the market tends to not work out in the vast majority of cases
How to obtain live market data for the ETFs you speak about it here ? Is it possible on interactive brokers? It looks like no free option is available
I find that what IBKR itself displays for free and www.gettex.de/en is usually plenty enough, especially if you're an investor and not a trader.
Ciao Angelo! Ho iniziato un pac su swda (non credo molto negli emergenti)… volevo chiederti se è una buona scelta… il mio orizzonte temporale è lungo (puoi rispondere pure in inglese😉)
Yes, nothing wrong with picking the MSCI World as a 1-ETF solution!
PS: Io rispondo in inglese così capiscono anche gli altri :)
is there comission fees on the reccuring plan on IBKR for the ftse etf ? because on trade republic there's no fees
Yes, 1.25€ using the tiered pricing model
Hello Angelo, I am thinking of switching from S&P 500 to an all-world index. I only started recently and my gains a very low so the question is do I sell the shares and put it into the world index or should I hold onto it and just start investing into the world index?
I know that you are still holding shares in an ETF you are no longer contributing into but I suppose your motivation is to avoid the taxes from the gains you have got over the years which I don't have as of now.
If you have no gains yet, then there's nothing wrong with selling your existing shares and moving everything into a simple All-World ETF.
Hi Angelo! You are investing in a USD ETF when your savings are in EUR? Are you currently exposed to the USD/EUR movements or how does it work? Thanks a lot :)
The fund currency itself is irrelevant, it doesn't influence the value of the stocks within the ETF.
We're always buying the ETF directly in EUR, so we're not paying currency exchange fees.
Of course the euro getting stronger or weaker will still impact returns based on the countries you're exposed to via the ETF, but hedging against it is still not worth it long-term.
Thank you very much for the video Angelo.
I would like to start buying IMIE but I saw that the average volume is not that high on the Italian stock market (around 2.3k). Could this be a risk? Any chance it will be difficult to sell the etf? Higher spread maybe?
I would be very much interested if one day you make a video about the liquidity/volume of ETFs!
Regards from Italy and thank you in advance for your work.
My pleasure Filippo! What broker are you using? On IB (via the ticker SPYI) you have access to all exchanges if you're worried about volume: angelo.fi/ibkr
You could always transfer your shares over later on as well, as long as your current broker supports that
@@AngeloColomboFi I’m using Fineco, an Italian bank that overall gives a great platform to invest
@@AngeloColomboFi I’m using Fineco, an Italian bank that overall gives a great platform to invest
It is worth to mention that the "MSCI market classification framework" classify a country as "developed" or "emerging" taking into accounts 3 criteria:
(i) sustainability of the economic development (GDP per capita);
(ii) size and liquidity of the market;
(iii) market accessibility criteria (policy and regulation of the market: how easy is to invest/disinvest? how stable is the policy and regulatory framework?).....
I think those are important elements to take into account while deciding to invest into Emerging Markets and evaluate risks. The name itself "Emerging markets" is a bit misleading, because not-too-aware investors may think that are countries that are emerging and growing very fast, which is not coherent with the MSCI market classification framework
Hi, Angelo, thanks for your content. I started investing 2 years ago, before interactive brokers removed inactivity fees, so therefore I had to open account with captrader. Now I would prefer to move away from captrader and back to interactive brokers. Unfortunatelly, this activity is not that easy and captrader says I should close my account and open in interactive brokers after 6 months of closure. I was thinking maybe you would like to do video about how securely make this transition back to IB?
You're welcome! Are you able to open a separate IB account? angelo.fi/ibkr
In that case you should be able to transfer over your shares from the Captrader-managed account. Otherwise I would hope CapTrader allows you to de-link your account from them (to be with IB directly), that was the case with me back in 2021.
@@AngeloColomboFi the problem is that whenever you try to open IB account IB reach you and say that you already have account open through CapTrader and IB has to get permission from CapTrader to allow open the account. Surprise surprise, but CapTrader conditions are that you have to close your account with them and wait 6 months before you can actually open in IB. Issue here is that I will not be able to invest for 6 months which is pretty pitty. Do you have any suggestions?
Ciao Angelo, quindi alle fine hai solo 3 ETF, il tuo core e' VWCE e gli altri 2 sono i tuoi satellitti, corretto? Grazie e complimenti
The other two ETFs are simply older existing shares (All-World Dis. and MSCI World) I had before switching to VWCE, which were in profit so there was no point in selling and having to pay taxes on capital gains already. P2P & Crypto are my satellite investments
Question Angelo -where do you find the datasheet and infos for the abovementioned etfs??
justetf.com
Hi Angelo, why are there different tickers for the Vanguard FTSE All World (Accumulating) on Interactive Brokers, and which one is the right one? (VWRL, VHVE, some other?)
VWCE is the one traded in EUR. Other currencies and exchanges use different tickers
@@AngeloColomboFi Thanks for the quick reply!
What about VT ?
Hello i've watched all your videos thank you for education
, what do you think of VUSA as beginning investing in 1 ETF? Because the 188 euro per quantity is a bit too much for me.
My pleasure! You're excluding the rest of the world and only buying US stocks. If that's the plan, then VUSA is a good ETF! You can also buy fractional shares by the way using Interactive Brokers: ua-cam.com/video/12g12UU8oPQ/v-deo.html or Trade Republic: ua-cam.com/video/kjof8klveqc/v-deo.html
Thank you for the information, i'm in interactive brokers, i've tried to buy fractional shares on some of them but it taxes me more for it. I'll look more into it maybe i've missed something.@@AngeloColomboFi
Hey Angelo, Bulgarian fan and subscriber here. How would you invest 100k at the moment in one ETF strategy + 1k monthly savings? Would you split it in 12 (more/less) or would you invest it as a lump sum?
I wish I had the perfect answer, but in the end you simply need to do whatever makes you less anxious: ua-cam.com/video/yOWAhL6MFF8/v-deo.html
I probably would't push it beyond 6 equal monthly investments personally.
Hello Angelo, I've been watching your videos with interest and I came to the conclusion that it's a lot safer to invest in ETFs than in individual stocks however, I'm finding that some ETFs like the XLK aren't available to European customers, is there a database where one can look for equivalents available to EU residents?
Yes: www.justetf.com/en/find-etf.html
@@AngeloColomboFi That's briliant, thanks Angelo! Keep up the good work 😊
Wow really interesting videos... I really like this aproach. But I have a question... why when you talk about MSCI ACWI Index ETFs you dont consider iShares MSCI ACWI UCITS ETF USD (IE00B6R52259) like an alternative? is something in line with your explanation or I miss something?
Thank you! It's a great alternative! I simply didn't mention it because the SPDR MSCI ACWI IMI stole its show due to its now lower TER of 0.17% :)
One thing to note is that it is a different index. The MSCI ACWI doesn't include small caps like the IMI.
Hey, congrats for the videos, pretty clean portfolio and staight forward plan. ;)
I was reading many pros and cons regarding SP500 vs All-World (even including EM or not) and still not sure what is the best option for EU investors, or for anybody on long term.
Investing in 1 country (USA) can be a kind of risk, but seeing the actual geopoltical situation and aging tendencies do not prove that any other region (EU, Asia-Pacific, ...) will overperform the traditional US stock market. As of now, I have both as most siginificant portion, but it is also a kind of overdiversification.
Does it make sense to invest in VWCE (EUR) when the underlying assets are mostly in USD? Why not choosing VWRA (USD) instead?
That's pretty much irrelevant, buy it in your local currency so you don't waste money on conversion fees