I wouldn't worry about distributing version of Invesco fund being too small. Acc and dist versions are the same fund, just share classes are different. I've been impressed how quickly invesco grew that fund from zero in last twelve months.
hi angelo. great video as always. i want to ask you if you can to do a dedicated video on how to invest to mintos platform for the 2024 market. i remember you telling which lenders to rely on in a previous video but i cant find which video is. thank you!
Wow! The combination of the exus + emim + spyl is exaclty what im planning to do!! But with slight different percentages like spyl 80% + exus+ 15% + emim 5%. What do yo think Angelo? Im a complete begginer in investing and while everyone suggest sticking with 1 etf, i wanted something in between only s&p or only vwce. That way I can play with percentages and also have lower fees!
Thanks for the interesting video. Good to see more and more options becoming available, that might also give Vanguard some extra pressure to lower the TER of their All-World ETF's. I stay with the Northern Trust funds as these have the least dividend leakage (
Nice video Angelo. I am wondering if you could do DIY for FTSE All World and save on TER, then was there any particular reason to invest in Invesco's ftse all world which is your latest one ETF ?
Hi Angelo, great content. I was considering the VWCE ACC for me and my wife as well. Question: If you were starting today would you start with VWCE or FWIA (TER 0.07% is really appealing)? Does having more shares is better, since FWIA is cheaper for now? Tkx
I only invest in the S&P 500 at the moment however completely understand why a lot of people prefer global ETFs instead and I might even make the jump in future. My S&P 500 ETF has a TER of 0.1% and I've been aware of SPXL for a while now but there's something holding me back from switching. Obviously State Street is a huge asset manager but for some reason I'm scared to switched! Strange, I know!
It's not that big of a difference anyway in actual numbers and 0.1% is already great, so don't stress too much about it! If you ever pick another one, I would hold on to your existing shares anyway, especially if they're in profit.
Hi Angelo, thank you so much for all your work! I'm considering creating a savings plan for Amundis ETF after watching your video. I already have the Invesco in the distributing version. I would like to know if the info about fund size you got from just ETF accurate is? Because both on trade republic and on Invesco's website the fund size seems same as accumulating version.
Hello Angelo! Great video once again, thanks! I have VWCE as well, but wanna distribute just a small % to targeted ETFs. On my watch out list there are some specific ETF-s, like SEMI or NDIA from IShares, but they are all on different stock exchange. Does it matter on the long run, where i buy my ETFs, italian or Stuttgart, Amsterdam?
Here's my response to the same comment under another video (just noticed you guys were interested): I don't like bets on specific sector ETFs (eg. s SEMI) personally, unless you're willing to hold them for >10 years, even if they were to go out of fashion at some point. Some extra India exposure could be interesting if you feel that their share in VWCE is too low. Either of those large exchanges should be fine, as long as you trade during regular market hours (eg. 9-17:30 CET) and work with limit orders. London might require you to exchange to USD first before buying though, which might cost some extra fees
I think that MXWS is better than FWRA, mostly because its using swaps, instead of accumulating and still paying tax on dividends. Its in total cheaper and better performing. Simple math rule of a thumb: If ETF ex. difference is less than 0.1% between the funds-don't touch it, as it'll cost you more on commission fees.
Nothing wrong with picking what you prefer, but: - 0.19% is not cheaper than 0.15% p.a. ;) - MSCI World (Developed Markets) is not the same as a FTSE All-World (Dev. + Emerging Markets). - A synthetic SWAP ETF that doesn't actually hold the stocks carries a bit of counterparty risk
@@AngeloColomboFi 0.15% and you have to pay 15% on dividend distributions. 4 times a year and now your 0.15% turns to much more than 0.19%, add reinvesting buying fees on top of it and you're far, far away from 0.19%. I suggest you to start calculating things more deeply, that numbers shown to you in brochures. FTSE All-World Index dividend yield is ~3.07%, taking it from Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing, so don't get it wrong, your
@@AngeloColomboFi 0.15% and you have to pay 15% on dividend distributions. 4 times a year and now your 0.15% turns to much more than 0.19%, add reinvesting buying fees on top of it and you're far, far away from 0.19%. I suggest you to start calculating things more deeply, that numbers shown to you in brochures. FTSE All-World Index dividend yield is ~3.07%, taking it from Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing, so don't get it wrong, your FWRA still pays 15% tax on these 3.07% dividend distributions inside the ETF and then redistributes these dividends back for you. Now, 15% tax on 3.07% distributions equals to 0.46% additional ex. fee of your fund. 0.46%+0.15%=0.61% is your actual ex. fee. Don't be mistaken here.:) Now for the "emerging markets", thanks, but no thanks. Let them emerge. Take a look at Russia and Venesuella and good luck with their emerging. These markets addition doen't add any additional total returns for the last 100 years.:) You don't even know whats the risk behind swaps, otherwise you'd be writing about it. The risk is only for the single transaction between the banks or bank and trading company and not for the whole fund, but for ~0.2% of the fund and that risk never realized. ETFs which holding real stocks are also risky, guess what? They're lending "your" stocks for traders for short positions.;) You should look deeper to the topic.
Great video Angelo. I am considering starting with ETFs, but I have a big question for you (and perhaps it’s an interesting video idea for you as well). Do you have any ethical ETFs recommendations? I know that ethics are subjective, but perhaps it would be interesting to dedicate one video to show how to find/filter ETFs that have an ethical approach (let’s say for instance, renowable energies, vegan food, water solutions, etc.). I believe that you would find audience who is interested in investing ethically, as for example S&P500 and other popular ETFs include unethical energy, food… industries. Greetings, and thank you for all the effort you’re putting. I am learning a lot 😊
@angelocolombiFI I live in Sweden and bought the FTSE All World Ucits ETF (EUR) about half a year ago. It would be interesting if you could do a video about currency risk and how to think about that. I can see sometimes the value on my account droppning even if the price of the FTSE goes up. This is because of currency fluctuations.
Hi Angelo, great video, thanks for the analysis! I saw that Invesco FTSE All-World is only offered on Borsa Italiana if I want to buy an ETF with EUR. Vanguard FTSE All-World is offered on XETRA. Is there any downside to buying an ETF and holding it long-term on Borsa Italiana instead of XETRA? Will it make a difference in the long run?
Ciao Angelo, THank you for all those fantastic videos. I am learning a lot :) I have a quick question. I am Belgian resident, should I invest in ETFs in USD or EUR? I started to invest in the ETF CSPX but in USD. Now I am wondering if that is a good move or not. Thanks!
Ciao Angelo, conviene aprire un PAC ETF REPLAY con Fineco due ETF magari un world ed uno obbligazionario versando 300 euro al mese? O meglio investimento singolo PIC ?
Hey Angelo. Great vid as always. I think you've mentioned changing strategies in one of your previous videos. How did you go about it in the past? Ive started ETF investing 2 months ago so in case of ever changing strategies should I just hold old etfs or sell them? I dont feel like paying 19% tax tho. Thanks 😊
Thank you! As long as any ETF you buy is in line with your investment strategy (eg. investing globally via an MSCI World, FTSE All-World, MSCI ACWI etc.), there's no need to ever sell existing shares that are in profit! We've also held on to our existing shares of the xTrackers MSCI World and Distributing Vanguard FTSE All-World when we made the switch to the Acc. Vanguard FTSE All-World.
Too early to tell, but other physical (not SWAP-ETFs) from Invesco are quite promising so far in Austria: angelo.fi/kest (ESG ETFs at the bottom) The Amundi ETF will likely be sub-optimal, if it's taxed like the Prime Global.
All the stocks in the second one are already included and highly weighted in VWCE, so it's definitely not needed. But it's of course 100% up to you if you want to add more exposure to those companies 👌
Just added the Xtrackers AI & Big Data acc ETF in addition yesterday morning. TER with 0,35% so not the cheapest and more volatile than the VWCE. But let's see how it goes. Wanted to add more volatility with Tech & AI ETFs on purpose. 🥸
Hey Angelo thank you for your efforts I m sticking to two ETFs now the FTSE ALL WORLD ACC and Cors S&P 500 you think I should focus for only one ETF to lower my fees or keep investing in both of them what you recommend for me
The FTSE All-World already contains all the S&P 500 stocks (it's about 60% US), so in my opinion there's no reason to buy both - unless of course you want an even higher US allocation in your portfolio.
I've also been looking into this but one thing I couldn't figure out is the fees I would pay from buying on EBS exchange. I'm in Croatia, so using Euro as you. Gettex has extremely low fees where you can buy the vangaurd fund. For the invesco I could only find the EBS on swiss exchange. From what I could determine, if you consider the exchange costs it would be more expensive. Can you please confirm or elaborate on this as I prefer to know before buying. Love the content and find it very resourceful!
Angelo, I dont know about your country but in Greece, the Invesco FTSE All-World UCITS ETF Acc in Trade Republic is not available!!!! do you know why? not even on a Desktop or in the app
So if you search for FWIA you can't find it? For me it's there, I searched for it in the video. Perhaps Invesco is missing some sort of authorisation for the Greek market?
@@AngeloColomboFi Yes I search it with the ticker - FWIA. who knows maybe is the authorization for the Greek market , and the other thing that I noticed now is, in general, I don't see any of the Invesco ETF's only the Vanguard wisdom tree ishares Xtrackers Amundi
Damn, thank you for confirming. My guess is, you can probably still buy it using IBKR, but I'm guessing you're not looking for a second broker: angelo.fi/ib
@@AngeloColomboFi YES, i use the same ticker FWIA , the other thing is that I noticed, in general, Trade Republic dose not provided Invesco etf's only Vanguard Amundi Xtrackers Ishares WisdomTree
Thank you for pointing that out! It seems like it's indeed available for investors from Ireland for example (which I just tested), while it's not available for me as an Austrian resident yet.
Hi Angelo, I have been looking at VWCE for a long time, but FWRA stood out to me as a better option because of the fee. Through IB, I can buy it at only one exchange since the other two are in USD and CHF, the third one is Borsa Italiana. As far as I can see, the trade volume is ok, I'm just wondering if there are any additional costs for me as an EU investor? As far as I understand it shouldn't be since it is domicile: Ireland and he bought it in Italy, Germany or wherever, completely irrelevant? Thanks!
Thank you! I'm not sure I get the question. There's no need for currency conversion with FWRA (pick the BVME exchange on IBKR). FTWD is simply the Distributing version of the same ETF.
@@AngeloColomboFi Thats great! I want to invest in Invesco Allworld in Euros, but maily saw these in USD (or GBP). My assumption was that the product (and therefore its ticker) was traded at a set currency, but as I understand now, the currency can differ per exchange. Main reason to invest in this product in euros is to avoid currency conversion. Thanks for answering and looking forward to your next content
Hi Angelo, in Germany, we have a 1000€ "steuerfreibeitrag" per year, so wouldn't it make sense to have your portfolio setup such that you get a distribution worth 1000 per year, and then shift to accumulating ETFs? Been trying to find the answer to this but didn't get anywhere yet
I would also like to know your opinion about ANAU (.14 TER) Is it better to invest in NASDAQ100 or S&P500? We need the cumulative version of VEU or VXUS or SPDW (.03TER) Gracias y saludos desde México.
Hi Angelo, consider that your portfolio does not include American mid cap. You can include them adding SPY4 etf, I know that the TER is higher than the instruments you use but it allows you to extend diversification on a part of the market that represents the internal economy of the US.
@@AngeloColomboFiaccording to my research, if you enter in detail and download the list of US stocks of VWCE, you can see that only less of 10 are mid cap included in SPY4.
My bad, you may be right! I just searched for the top 10 Mid Cap stocks in the S&P 400 and several of them were not included in VWCE. In fact, the total number of US stocks (large/mid/small) in VWCE seems to be 544 (579 in the index).
@@AngeloColomboFi Hello Angelo, this favors the idea to use the multi ETF approach for large portfolios, to cover stocks not included in the global index but which have a significant weight. On the contrary, I remember that European mid caps are already included in the Stoxx 600.
It could be an option, you just have to weigh the extra complexity against the potential upside over long time periods. Yes, the Stoxx Europe 600 has an interesting composition: 200 Large, 200 Mid and 200 Small cap stocks.
Hi Angelo! I love your videos they are so informative for us living in EU. What is your opinion on buying everyday 5€ VWCE or 1x monthly for 150€? (its just an example) Costs and profit. Thank you!
I'm very happy to hear that! That makes no sense, once a month is often enough! At that amount, even once every two months would be fine if you're paying transaction fees. I talked about it here today: ruclips.net/video/guQFLqBrFBs/видео.html
Hi Angelo. I am very interested in the 3 ETF variant you presented. My main worry is if it would need rebalancing. Is that needed and how should I go about it? Would you consider that a bit con over de 1 ETF strategies?
Yes, needing to rebalance and buy 3 ETFs vs. the simplicity of just holding 1 is definitely a con! I prefer the second option (all in 1 ETF) personally
The transaction fees on WEBG (Amundi ETF) at Interactive Brokers somehow always amounts to roughly 1% fee with me tiered or fixed doesnt matter. Over the long run those amount to little but if you keep changing the etf it will cost a lot in the end
Nice work, Angelo! Since I chose from Ireland domiciled ETF on $USD, unfortunately Amundi's PRWU (0.05%) is out of the game for me (it's domicile is Luxembourg). I've ended up picking SPDR SWRD (0.12%) over iShares IWDA (0.20%), as both have the same ammount of holdings, something around 1.400. But IMID seems like a better choice, going up to 0.17% in TER and holding much more shares - around 3536. So, at least mathematically, IMID is the best choice in Ireland ETF, followed by VWRA in second and FWRA in third, on a holdings/price ratio. Thanks!
Thank you! The SPDR MSCI World would also be my first pick if I was looking for an MSCI World ETF and IMID/SPYI is a great all in one ETF I'd have no problems holding instead of VWCE!
Hi Angelo, Thanks for the informative video. I moved to Austria 5 years back and continued my investment from my home country. I need help with capital gain taxes. Would you know an agent or company that expertise in international investors. I do not think I should be taxed for the investments I made before I came to Austria.
Great channel! I like it so far 😊. What will be your biggest advice on books and other materials to a new investor that is just starting to educate himself in investing. So far I see only scams that are promising sh*t stuff and I’m losing trust and giving up 😢 I’m from Bulgaria btw if it matters.
Thank you! I think this video could be helpful as a starting point: ruclips.net/video/MeY18uWJrso/видео.html perhaps followed by this one to help you figure out a simple 1-ETF strategy you can easily stick to: ruclips.net/video/ysyJh7DOex4/видео.html The Simple Path to Wealth by J.L. Collins was one of my favorite books on index investing when I started.
@@AngeloColomboFi thanks. What should i look for as a safeguard? Fund size over what? Health of the parent company? Why doesn't everyone go with the lowest ter?
I simply meant to tell you that the SPDR ETF could be an even better and less expensive option. The larger fund size also results in tighter spreads (smaller difference between buy and sell prices), another plus. Not everyone knows there are less expensive options and people often stick to whichever one they've been buying for a while. Since the fee is already so low, it's not like it's a massive difference in actual numbers anyway.
@@AngeloColomboFi got you. I guess my concern is mostly if there is a chance of bankruptcy or fraud) of a fund. So you personally in which of three you would invest? SPXL, XDPP, VUAG.
Angelo, thank you for your content. A small question: I invested a portion of my portfolio into the EM VFEA. However, It has been an uneasy "ride", as the size of the ETF is "only" 400M and the trading volume is relatively low. Would you recommend a different one or this is still ok and has a good margin to increase?
You're very welcome! At close to €500M (according to JustETF), I wouldn't call it small. Just make sure you trade it during public market hours (eg. 9-17:30 CET for XETRA) and the spread should be fine!
@@AngeloColomboFi and the relatively small trading volume (6.02K today) should not be a reason for alarm? This is actually my biggest concern about this ETF. Once again, thank you. Your videos were the first "contact" I had with ETF investment.
Ciao Angelo! I'm buying Invesco FTSE All-World UCITS ETF Acc as well, with the ticker FWRG as I'm UK based. I may switch to Amundi Prime Global UCITS ETF DR (PRIW/PR1W), rather than WEBG. Very good point you raise about switching instead of selling/replacing, one lesson I have learned at a cost. PRIW is pretty much an accumulation tracker in disguise, and the data on Just ETF suggest it's a top performer and a strong contender. Do you have an opinion on PRIW? Thank you.
Nice! In my opinion the Amundi Prime Global is sub-optimal for an ETF covering only developed markets, since it's based in LU instead of IE (double the withholding taxes on US dividends). I talked about it here: ruclips.net/video/ysyJh7DOex4/видео.html
Hey @@AngeloColomboFi you really have to hear this :) PRIW has just been delisted, a big thank you for flagging the risk, I'm glad I've listened to your warning (reluctantly, I must admit).
Caro Angelo, thanks for your video! What do you think of this portfolio? I would appreciate your feedback. 40% - iShares Core S&P 500 UCITS ETF (Acc) 40% - Xtrackers MSCI World ex USA UCITS ETF 1C 20% - iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc)
Seems like you put a lot of though into it, looks like a great portfolio to me! If I was making this decision for myself, I think I would do 50% S&P 500, 40% World ex USA, 10% EM IMI. But then again, neither of us knows which mix is going to perform better over the coming decades :)
![SahBabii - Viking [Official Music Video]](http://i.ytimg.com/vi/D37cL92JX0I/mqdefault.jpg)
Are you considering any of the new ETFs? (tickers below)
🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr
🇪🇺Trade Republic (ETFs + 4% Interest): angelo.fi/tr
👉Compare ETFs: angelo.fi/comp
📌Esketit (P2P): angelo.fi/esk
📌Mintos (P2P): angelo.fi/min
🏠Current P2P & Broker Deals: angelo.fi/p2p
💶4% Interest Savings Account: angelo.fi/save
⚡Where I Buy Bitcoin: angelo.fi/bit
ETFs mentioned:
📌Vanguard FTSE All-World Acc. (VWCE)
📌Invesco FTSE All-World Acc. (FWRA or FWIA)
📌Amundi Prime All Country World Dis. (WEBG)
📌xTrackers MSCI World ex USA Acc. (EXUS)
📌SPDR S&P 500 Acc. (SPYL)
📌iShares MSCI Emerging Markets IMI Acc. (EMIM)
Great video! I think I'll stick to VWCE for now though
I would stick with VWCE and chill. But i will follow your updates in the end of the year about this. Thanks for the video!
I wouldn't worry about distributing version of Invesco fund being too small. Acc and dist versions are the same fund, just share classes are different. I've been impressed how quickly invesco grew that fund from zero in last twelve months.
True, but trading volume will still be significantly lower and the higher spread destroys any difference in fees vs. the Distributing Vanguard ETF
hi angelo. great video as always. i want to ask you if you can to do a dedicated video on how to invest to mintos platform for the 2024 market. i remember you telling which lenders to rely on in a previous video but i cant find which video is. thank you!
It seems FWIA is not available for Trade Republic in Belgium :(
Thanks for the video mate! Very informative and helpful
Wow! The combination of the exus + emim + spyl is exaclty what im planning to do!! But with slight different percentages like spyl 80% + exus+ 15% + emim 5%. What do yo think Angelo? Im a complete begginer in investing and while everyone suggest sticking with 1 etf, i wanted something in between only s&p or only vwce. That way I can play with percentages and also have lower fees!
I'll sit with the invesco until amundi is available in (acc). Thanks for the heads up.
There is : WEBN
Thanks for the interesting video. Good to see more and more options becoming available, that might also give Vanguard some extra pressure to lower the TER of their All-World ETF's. I stay with the Northern Trust funds as these have the least dividend leakage (
Nice video Angelo. I am wondering if you could do DIY for FTSE All World and save on TER, then was there any particular reason to invest in Invesco's ftse all world which is your latest one ETF ?
Hi Angelo, great content. I was considering the VWCE ACC for me and my wife as well. Question: If you were starting today would you start with VWCE or FWIA (TER 0.07% is really appealing)? Does having more shares is better, since FWIA is cheaper for now? Tkx
I only invest in the S&P 500 at the moment however completely understand why a lot of people prefer global ETFs instead and I might even make the jump in future. My S&P 500 ETF has a TER of 0.1% and I've been aware of SPXL for a while now but there's something holding me back from switching. Obviously State Street is a huge asset manager but for some reason I'm scared to switched! Strange, I know!
It's not that big of a difference anyway in actual numbers and 0.1% is already great, so don't stress too much about it! If you ever pick another one, I would hold on to your existing shares anyway, especially if they're in profit.
Hi Angelo, Amundi Prime All Country World UCITS ETF Acc - WEBN is now available. The TER is 0.07%.
I know, I mentioned why I personally prefer others in this video: ruclips.net/video/lwUoLSHchS0/видео.html
Hi Angelo, thank you so much for all your work! I'm considering creating a savings plan for Amundis ETF after watching your video. I already have the Invesco in the distributing version. I would like to know if the info about fund size you got from just ETF accurate is? Because both on trade republic and on Invesco's website the fund size seems same as accumulating version.
Hello Angelo! Great video once again, thanks! I have VWCE as well, but wanna distribute just a small % to targeted ETFs. On my watch out list there are some specific ETF-s, like SEMI or NDIA from IShares, but they are all on different stock exchange. Does it matter on the long run, where i buy my ETFs, italian or Stuttgart, Amsterdam?
Following this
Following this
following this
Here's my response to the same comment under another video (just noticed you guys were interested):
I don't like bets on specific sector ETFs (eg. s
SEMI) personally, unless you're willing to hold them for >10 years, even if they were to go out of fashion at some point. Some extra India exposure could be interesting if you feel that their share in VWCE is too low.
Either of those large exchanges should be fine, as long as you trade during regular market hours (eg. 9-17:30 CET) and work with limit orders. London might require you to exchange to USD first before buying though, which might cost some extra fees
What one ETF would you recommend? I just turned 18 and want to start investing but I do not know which one to choose, they all seem really good)
vwce
Angelo preaches day and night about VWCE. Vanguard all world FTSE etf
Vwce or vuaa depending on your risk tolerance
At your age vuaa is best as long as you keep it long term
Angelo recommends FTSE all-world ETF (accumulating). Great that you’re starting investing at 18!
I think that MXWS is better than FWRA, mostly because its using swaps, instead of accumulating and still paying tax on dividends. Its in total cheaper and better performing.
Simple math rule of a thumb:
If ETF ex. difference is less than 0.1% between the funds-don't touch it, as it'll cost you more on commission fees.
Nothing wrong with picking what you prefer, but:
- 0.19% is not cheaper than 0.15% p.a. ;)
- MSCI World (Developed Markets) is not the same as a FTSE All-World (Dev. + Emerging Markets).
- A synthetic SWAP ETF that doesn't actually hold the stocks carries a bit of counterparty risk
@@AngeloColomboFi
0.15% and you have to pay 15% on dividend distributions. 4 times a year and now your 0.15% turns to much more than 0.19%, add reinvesting buying fees on top of it and you're far, far away from 0.19%. I suggest you to start calculating things more deeply, that numbers shown to you in brochures.
FTSE All-World Index dividend yield is ~3.07%, taking it from Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing, so don't get it wrong, your
@@AngeloColomboFi
0.15% and you have to pay 15% on dividend distributions. 4 times a year and now your 0.15% turns to much more than 0.19%, add reinvesting buying fees on top of it and you're far, far away from 0.19%. I suggest you to start calculating things more deeply, that numbers shown to you in brochures.
FTSE All-World Index dividend yield is ~3.07%, taking it from Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing, so don't get it wrong, your FWRA still pays 15% tax on these 3.07% dividend distributions inside the ETF and then redistributes these dividends back for you. Now, 15% tax on 3.07% distributions equals to 0.46% additional ex. fee of your fund. 0.46%+0.15%=0.61% is your actual ex. fee. Don't be mistaken here.:)
Now for the "emerging markets", thanks, but no thanks. Let them emerge. Take a look at Russia and Venesuella and good luck with their emerging. These markets addition doen't add any additional total returns for the last 100 years.:)
You don't even know whats the risk behind swaps, otherwise you'd be writing about it. The risk is only for the single transaction between the banks or bank and trading company and not for the whole fund, but for ~0.2% of the fund and that risk never realized. ETFs which holding real stocks are also risky, guess what? They're lending "your" stocks for traders for short positions.;)
You should look deeper to the topic.
@@AngeloColomboFi
You're not counting correctly, do your math again..Swaps less risky than real, which using your stocks for lease to short sellers.
What is your opinion about SPDR MSCI ACWI (SPYI)
Great ETF, I briefly mentioned it in the video!
Great video Angelo.
I am considering starting with ETFs, but I have a big question for you (and perhaps it’s an interesting video idea for you as well).
Do you have any ethical ETFs recommendations? I know that ethics are subjective, but perhaps it would be interesting to dedicate one video to show how to find/filter ETFs that have an ethical approach (let’s say for instance, renowable energies, vegan food, water solutions, etc.).
I believe that you would find audience who is interested in investing ethically, as for example S&P500 and other popular ETFs include unethical energy, food… industries.
Greetings, and thank you for all the effort you’re putting. I am learning a lot 😊
@angelocolombiFI I live in Sweden and bought the FTSE All World Ucits ETF (EUR) about half a year ago. It would be interesting if you could do a video about currency risk and how to think about that. I can see sometimes the value on my account droppning even if the price of the FTSE goes up. This is because of currency fluctuations.
Hi Angelo, great video, thanks for the analysis! I saw that Invesco FTSE All-World is only offered on Borsa Italiana if I want to buy an ETF with EUR. Vanguard FTSE All-World is offered on XETRA. Is there any downside to buying an ETF and holding it long-term on Borsa Italiana instead of XETRA? Will it make a difference in the long run?
But SPDR didn't have an ETF on s&p500 tilll now ? Can it be ?
Ciao Angelo,
THank you for all those fantastic videos. I am learning a lot :)
I have a quick question. I am Belgian resident, should I invest in ETFs in USD or EUR?
I started to invest in the ETF CSPX but in USD. Now I am wondering if that is a good move or not.
Thanks!
Ciao Angelo, conviene aprire un PAC ETF REPLAY con Fineco due ETF magari un world ed uno obbligazionario versando 300 euro al mese? O meglio investimento singolo PIC ?
There is no WEBG on trade republic...
Yes there is. It's called "Prime all country world USD (Dist)". You can also search for ETF150. That will get you there.
There seem to be some differences based on each country, hopefully it will be added for yours soon as well!
Next topic idea : what happen when there is a price split and if already happen in the past in Europe
Hey Angelo.
Great vid as always.
I think you've mentioned changing strategies in one of your previous videos. How did you go about it in the past? Ive started ETF investing 2 months ago so in case of ever changing strategies should I just hold old etfs or sell them?
I dont feel like paying 19% tax tho.
Thanks 😊
Thank you! As long as any ETF you buy is in line with your investment strategy (eg. investing globally via an MSCI World, FTSE All-World, MSCI ACWI etc.), there's no need to ever sell existing shares that are in profit!
We've also held on to our existing shares of the xTrackers MSCI World and Distributing Vanguard FTSE All-World when we made the switch to the Acc. Vanguard FTSE All-World.
Hi Angelo, nice content, as always. Do you know how well some of these mentioned accumulating ETFs perform with prepaid tax in Austria?
Too early to tell, but other physical (not SWAP-ETFs) from Invesco are quite promising so far in Austria: angelo.fi/kest (ESG ETFs at the bottom)
The Amundi ETF will likely be sub-optimal, if it's taxed like the Prime Global.
@@AngeloColomboFi thank you for the response!
I have Vanguard FTSE All World (Acc) & sp500 Info Tech Sector, ist that a good combo??
All the stocks in the second one are already included and highly weighted in VWCE, so it's definitely not needed. But it's of course 100% up to you if you want to add more exposure to those companies 👌
@@AngeloColomboFi Thanks for your advice, Angelo :)!
I also have this combo (:
Just added the Xtrackers AI & Big Data acc ETF in addition yesterday morning. TER with 0,35% so not the cheapest and more volatile than the VWCE. But let's see how it goes. Wanted to add more volatility with Tech & AI ETFs on purpose. 🥸
Good ETF, but it doesnt include AMZN and GOOG...
Hey Angelo thank you for your efforts I m sticking to two ETFs now the FTSE ALL WORLD ACC and Cors S&P 500 you think I should focus for only one ETF to lower my fees or keep investing in both of them what you recommend for me
The FTSE All-World already contains all the S&P 500 stocks (it's about 60% US), so in my opinion there's no reason to buy both - unless of course you want an even higher US allocation in your portfolio.
I've also been looking into this but one thing I couldn't figure out is the fees I would pay from buying on EBS exchange. I'm in Croatia, so using Euro as you. Gettex has extremely low fees where you can buy the vangaurd fund. For the invesco I could only find the EBS on swiss exchange. From what I could determine, if you consider the exchange costs it would be more expensive. Can you please confirm or elaborate on this as I prefer to know before buying.
Love the content and find it very resourceful!
Angelo, I dont know about your country but in Greece, the Invesco FTSE All-World UCITS ETF Acc in Trade Republic is not available!!!! do you know why? not even on a Desktop or in the app
So if you search for FWIA you can't find it? For me it's there, I searched for it in the video. Perhaps Invesco is missing some sort of authorisation for the Greek market?
@@AngeloColomboFi Yes I search it with the ticker - FWIA. who knows maybe is the authorization for the Greek market , and the other thing that I noticed now is, in general, I don't see any of the Invesco ETF's only the Vanguard wisdom tree ishares Xtrackers Amundi
Damn, thank you for confirming. My guess is, you can probably still buy it using IBKR, but I'm guessing you're not looking for a second broker: angelo.fi/ib
@@AngeloColomboFi YES, i use the same ticker FWIA , the other thing is that I noticed, in general, Trade Republic dose not provided Invesco etf's only Vanguard Amundi Xtrackers Ishares WisdomTree
@@AngeloColomboFi I have Revolut but in this case, also doesn't provide this particular ETF - FTSE All-World UCITS ETF Acc .
Can you compare trading 212 and revolut for the hysa as trade republic is not available in my country(Malta)
Hey Angelo, you mentioned EXUS is not available on TR yet, but I bought it a week ago.
Thank you for pointing that out! It seems like it's indeed available for investors from Ireland for example (which I just tested), while it's not available for me as an Austrian resident yet.
Hi Angelo,
I have been looking at VWCE for a long time, but FWRA stood out to me as a better option because of the fee. Through IB, I can buy it at only one exchange since the other two are in USD and CHF, the third one is Borsa Italiana.
As far as I can see, the trade volume is ok, I'm just wondering if there are any additional costs for me as an EU investor? As far as I understand it shouldn't be since it is domicile: Ireland and he bought it in Italy, Germany or wherever, completely irrelevant?
Thanks!
Holdings after the first 200 companies barely makes any tangible differences. Sticking with Invesco FWRA for now.
Nice content! To avoid currency conversion, would you consider FTWD instead of FWRA?
Thank you! I'm not sure I get the question. There's no need for currency conversion with FWRA (pick the BVME exchange on IBKR). FTWD is simply the Distributing version of the same ETF.
@@AngeloColomboFi Thats great! I want to invest in Invesco Allworld in Euros, but maily saw these in USD (or GBP). My assumption was that the product (and therefore its ticker) was traded at a set currency, but as I understand now, the currency can differ per exchange. Main reason to invest in this product in euros is to avoid currency conversion. Thanks for answering and looking forward to your next content
Hi Angelo, in Germany, we have a 1000€ "steuerfreibeitrag" per year, so wouldn't it make sense to have your portfolio setup such that you get a distribution worth 1000 per year, and then shift to accumulating ETFs? Been trying to find the answer to this but didn't get anywhere yet
Hi Angelo, how about EUNL, is it a good ETF?
Yes, the iShares Core MSCI World is an excellent, well-known ETF 👌
How about the Amundi Prime Emerging Markets UCITS ETF DR (C)? .10 TER domiciled in Luxembourg, is there a problem?
In addition, the accumulating version of WEBG is now on sale, do you prefer WEBN or SPYL+EXUS+PRAM?
I would also like to know your opinion about ANAU (.14 TER)
Is it better to invest in NASDAQ100 or S&P500?
We need the cumulative version of VEU or VXUS or SPDW (.03TER)
Gracias y saludos desde México.
Hi Angelo,
consider that your portfolio does not include American mid cap. You can include them adding SPY4 etf, I know that the TER is higher than the instruments you use but it allows you to extend diversification on a part of the market that represents the internal economy of the US.
That's not entirely true. Here's what's in the FTSE All-World (3666 stocks):
Large: 76.91%
Medium/Large: 4.28%
Medium: 12.82%
Medium/Small: 3.63%
Small: 2.29%
@@AngeloColomboFiaccording to my research, if you enter in detail and download the list of US stocks of VWCE, you can see that only less of 10 are mid cap included in SPY4.
My bad, you may be right! I just searched for the top 10 Mid Cap stocks in the S&P 400 and several of them were not included in VWCE. In fact, the total number of US stocks (large/mid/small) in VWCE seems to be 544 (579 in the index).
@@AngeloColomboFi Hello Angelo, this favors the idea to use the multi ETF approach for large portfolios, to cover stocks not included in the global index but which have a significant weight. On the contrary, I remember that European mid caps are already included in the Stoxx 600.
It could be an option, you just have to weigh the extra complexity against the potential upside over long time periods. Yes, the Stoxx Europe 600 has an interesting composition: 200 Large, 200 Mid and 200 Small cap stocks.
Another really good alternative is the HSBC distributing MSCl all world with just 0.15% TER
True, but it's an MSCI World (Dev. Markets), not FTSE All-World (Dev. + Emerging Markets)
Hi Angelo! I love your videos they are so informative for us living in EU. What is your opinion on buying everyday 5€ VWCE or 1x monthly for 150€? (its just an example) Costs and profit. Thank you!
I'm very happy to hear that! That makes no sense, once a month is often enough! At that amount, even once every two months would be fine if you're paying transaction fees. I talked about it here today: ruclips.net/video/guQFLqBrFBs/видео.html
Hi Angelo. I am very interested in the 3 ETF variant you presented. My main worry is if it would need rebalancing. Is that needed and how should I go about it? Would you consider that a bit con over de 1 ETF strategies?
Yes, needing to rebalance and buy 3 ETFs vs. the simplicity of just holding 1 is definitely a con! I prefer the second option (all in 1 ETF) personally
Does brokers add an additional fee on top of the TER? I.e, will it be cheaper to invest directly through Vanguard instead of interactive brokers?
No, brokers like Interactive Brokers or Trade Republic don't charge additional fees apart from the trading fee when buying/selling.
I had put together this portfolio. IWDA 80% Eimi 10% IWVL 10%.
Any feedback? I would love to hear.
I like it, you added a small Value tilt without going overboard in case it doesn't work out (which you never know with factors) 👌
The transaction fees on WEBG (Amundi ETF) at Interactive Brokers somehow always amounts to roughly 1% fee with me tiered or fixed doesnt matter. Over the long run those amount to little but if you keep changing the etf it will cost a lot in the end
nevermind, this is due to using cash account instead of margin account, now its down to 1.25 eur min. and 0.05% rate
Nice work, Angelo! Since I chose from Ireland domiciled ETF on $USD, unfortunately Amundi's PRWU (0.05%) is out of the game for me (it's domicile is Luxembourg). I've ended up picking SPDR SWRD (0.12%) over iShares IWDA (0.20%), as both have the same ammount of holdings, something around 1.400. But IMID seems like a better choice, going up to 0.17% in TER and holding much more shares - around 3536. So, at least mathematically, IMID is the best choice in Ireland ETF, followed by VWRA in second and FWRA in third, on a holdings/price ratio. Thanks!
Spdr swrd holder here too ❤
Thank you! The SPDR MSCI World would also be my first pick if I was looking for an MSCI World ETF and IMID/SPYI is a great all in one ETF I'd have no problems holding instead of VWCE!
I like SPDR ACWI IMI etf as well. Great choice!
Hi Angelo, Thanks for the informative video. I moved to Austria 5 years back and continued my investment from my home country. I need help with capital gain taxes. Would you know an agent or company that expertise in international investors. I do not think I should be taxed for the investments I made before I came to Austria.
90% VWCE + 10% IUSN (small cap) is the way to go
You already have small caps in VWCE
Is the vanguard etf you are using VT? At least that’s what I think is the American version
Yes, VWCE is the closest one to VT, which we can't buy in Europe.
@@AngeloColomboFi thank you! I’m considering a similar approach to yours for my family’s taxable account. 🙏
What about SPDR MSCI ACWI IMI UCITS ETF Acc (SPYI)? TER is 0.17% Currently, it has 1.5 billion euro under managment.
I shortly mentioned it in the video, it's an excellent option!
Great channel! I like it so far 😊. What will be your biggest advice on books and other materials to a new investor that is just starting to educate himself in investing. So far I see only scams that are promising sh*t stuff and I’m losing trust and giving up 😢 I’m from Bulgaria btw if it matters.
Thank you! I think this video could be helpful as a starting point: ruclips.net/video/MeY18uWJrso/видео.html perhaps followed by this one to help you figure out a simple 1-ETF strategy you can easily stick to: ruclips.net/video/ysyJh7DOex4/видео.html
The Simple Path to Wealth by J.L. Collins was one of my favorite books on index investing when I started.
Angelo speaking about lowering costs, any thoughts about XDPU etf for someone who wants to invest on s&p500?
It has TER 0.06 where VUAA has 0.07.
Why not go one step further and pick SPYL (SPDR S&P 500) at 0.03% TER? It even has 30x the fund size.
@@AngeloColomboFi thanks. What should i look for as a safeguard? Fund size over what? Health of the parent company? Why doesn't everyone go with the lowest ter?
I simply meant to tell you that the SPDR ETF could be an even better and less expensive option. The larger fund size also results in tighter spreads (smaller difference between buy and sell prices), another plus.
Not everyone knows there are less expensive options and people often stick to whichever one they've been buying for a while. Since the fee is already so low, it's not like it's a massive difference in actual numbers anyway.
@@AngeloColomboFi got you. I guess my concern is mostly if there is a chance of bankruptcy or fraud) of a fund.
So you personally in which of three you would invest?
SPXL, XDPP, VUAG.
If I was looking for an S&P 500 ETF, I would currently pick SPXL
Angelo, thank you for your content. A small question: I invested a portion of my portfolio into the EM VFEA. However, It has been an uneasy "ride", as the size of the ETF is "only" 400M and the trading volume is relatively low. Would you recommend a different one or this is still ok and has a good margin to increase?
You're very welcome! At close to €500M (according to JustETF), I wouldn't call it small. Just make sure you trade it during public market hours (eg. 9-17:30 CET for XETRA) and the spread should be fine!
@@AngeloColomboFi and the relatively small trading volume (6.02K today) should not be a reason for alarm? This is actually my biggest concern about this ETF. Once again, thank you. Your videos were the first "contact" I had with ETF investment.
I wouldn't think so, where are you buying it usually? If I remember, I'll check the spread during market hours (9-17:30 CET)
@@AngeloColomboFi I'm buying it on Interactive Brokers (XETRA). Thank you so much, that would be great 🙏
I just checked the spread on Gettex (one of the exchanges IBKR uses). It's very good at only 0.05%!
Ciao Angelo! I'm buying Invesco FTSE All-World UCITS ETF Acc as well, with the ticker FWRG as I'm UK based. I may switch to Amundi Prime Global UCITS ETF DR (PRIW/PR1W), rather than WEBG. Very good point you raise about switching instead of selling/replacing, one lesson I have learned at a cost. PRIW is pretty much an accumulation tracker in disguise, and the data on Just ETF suggest it's a top performer and a strong contender. Do you have an opinion on PRIW? Thank you.
Nice! In my opinion the Amundi Prime Global is sub-optimal for an ETF covering only developed markets, since it's based in LU instead of IE (double the withholding taxes on US dividends). I talked about it here: ruclips.net/video/ysyJh7DOex4/видео.html
@AngeloColomboFi I'll watch the video. Thank you!
Hey @@AngeloColomboFi you really have to hear this :) PRIW has just been delisted, a big thank you for flagging the risk, I'm glad I've listened to your warning (reluctantly, I must admit).
Se mettiamo i codici ISIN magari................
Alles zu kompliziert Ich bleibe beim FTSE All World!!
Caro Angelo, thanks for your video! What do you think of this portfolio? I would appreciate your feedback.
40% - iShares Core S&P 500 UCITS ETF (Acc)
40% - Xtrackers MSCI World ex USA UCITS ETF 1C
20% - iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc)
Seems like you put a lot of though into it, looks like a great portfolio to me!
If I was making this decision for myself, I think I would do 50% S&P 500, 40% World ex USA, 10% EM IMI. But then again, neither of us knows which mix is going to perform better over the coming decades :)
@@AngeloColomboFi thanks for your response. Appreciated