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: ruclips.net/video/J_BYmJFGcjA/видео.html Trade Republic is another alternative I can recommend based on my own experience, which is also available in Belgium now: ruclips.net/video/pGKjSzg-uoY/видео.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
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
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.
Hi can you share more abot your advisor. How much of the proffits does she take? How is your portfolio managed? Do you execute trades with her guidance or is id executed by her? Thank you
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.
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.
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!
Thank you for quoting European connection. I have watched too many vids on ETFs not available in Europe butnot referenced as such...
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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! ❤
Best Analysis, Best Explanation, Best graphics, Angelo is the best in the field. Beside investing, Angelo can you teach me about business too? You mentioned you have a business.
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.
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!
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.
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.
@@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.
I'm wondering why Gold is so rare in investment portfolios. I'm thinking about putting 10% in iShares Physical Gold to diversify. Gold prices have had decent growth and tend to go up when stocks go down.
Well, I'm doing exactly that and I'm very happy about it. 🙂 IMHO a portfolio consisting mostly of shares (via a worldwide ETF) + some gold (via an ETC) + maybe a little bit of Bitcoin (via an ETN) gives the best all around market participation for 90-95% of private investors. ... regardless of saving goals (short-/mid-/longterm), inflation, tax laws, other political risk factors like war and ESG, and financial/banking shenanigans. (I found bonds, real estate, other commodities and other cryptos to not be worth the hassle - read: too small gains and/or too volatile - at least for us small folk. 🙊)
@angelo have you considered making a summary video for your viewers from Switzerland in terms of which ETFs to invest in (domicile-wise)? Considering we are in your top 10 audiences :)?
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.
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.
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.
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?
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?
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!
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 :)
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.
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!)
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.
Dear Angelo, Thanks for the comprehensive video. IUSN is only small caps is there an ETF which is in USD and value, small caps worth buying ? Please share your thoughts. Many Thanks
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.
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?
Do you think it could make sense to invest in etf using a tax wrapper e.g. pension plan? There are some that let you choose the etfs and also do rebalancing. All of that behind a tax shield. I would be very interested to k le your opinion about that. Many thanks
In Austria it's not really an option since it's only being offered by insurance companies charging ridiculous fees eating up any tax-advantage. If your country offers retirement accounts or something like that, it may make sense! I do have my doubts if using a service like what you mentioned (probably a robo-advisor) is worth it though vs. simply buying a single low-cost ETF yourself (if that's possible in a tax-advantaged account too).
@@AngeloColomboFi many thanks for your reply. Here in Germany there is a new taxation on accumulating etf (vorabpauschale) which unfortunately reducers the power of compound interests.. the only way to avoid this taxation is to buy your etf inside a pension plan. However has you correctly guessed these plans are offered by insurance companies which charge fees (around 0,5% p.a.) on top of the eft costs. However you manage your portfolio yourself like in any brokerage account (I use scalable) and also if you sell an etf to buy another one you don’t pay capital gain taxes (as long as you don’t take the money out from the pension plan). So basically you have a deferred taxation which allow the etf to grow tax free. In the end what is difficult sometimes is to figure out if the tax benefit compensate the insurance costs in the long run.
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
Hello again Angelo!, I would like to ask you, you recommend among others ETFs, the Vanguard FTSE All-World Acc. (VWCE) and the iShares Core S&P 500 Acc. (SXR8), but are these Euro hedge ETFs?. Their trading currency is in euros, but i don't know if it is the same thing as euro hedge ETFs. Could you explain it for us, please?. Thank you!
They are not hedged, you can simply buy them in euros directly (as is the case with most ETFs listed on European exchanges). I wouldn't recommend going for hedged ETFs in the first place, as those come with much higher fees and tend to under-perform by a significant margin compared to their normal counterparts
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 😅
I have for now 60%sp500 and 40%nasdaq does it make sense ? i feel i put too many eggs in the US basket Which ETF should add to have more exposition to the world while keeping those ?
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.
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?
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.
If you only want to invest into the top 500 US companies it's great. If you want to invest globally, then I would go with a FTSE All-World, MSCI World or FTSE Developed World instead.
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?
Hi Angelo - I am considering a mix between strategy 2 and 3, so 70% FTSE Developed World, 15% FTSE Emerging Markets and 15% MSCI World Small Cap (all mentioned ETF's Acc). What are your thoughts on this?
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 :)
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.
hello Angelo, thank you for your work. I am new in investing and I would have one question. I have the VWCE (accumulating) in which I am investing and it is now at 94.42 while the VWRL (distributing) that is at 84.87. This difference between these two, that is 9.55 (94.42 - 84.87), represents the accumulated dividends since 2019 when VWCE started? Thank you in advance!
You're very welcome, Denis! I think you're looking at the wrong trading currencies - right now in euros, VWCE is at 94,12€ and VWRL/VWRD is at 96,15€. But VWRL/VWRD (distributing) has been out since 2012, while VWCE came out 7 years later (in 2019). That's why you can't compare them 1-to-1. But yes, the accumulating version reinvests dividends into the stocks within the index, which then raises its value by that amount (which would have otherwise been paid out, like in the distributing version).
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
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
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.
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 ?
I find your videos very useful. Thanks a lot. I am very very new in this world of investing. I hope you can answer my question. Let's say I buy the same 3 ETFs for the next 10 years on a montly basis. Then, in 10 years, how can I get my invesment back? I really do not know hpw it work when I want to withdraw the money. I am using Degiro btw.
You're very welcome Diego! You basically do the same thing you did when you bought them, but instead of placing a "buy" order, you place a "sell" order during market hours. After which you withdraw the cash balance back to your bank account
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 🤞
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: ruclips.net/video/J_BYmJFGcjA/видео.html
Trade Republic is another alternative I can recommend based on my own experience, which is also available in Belgium now: ruclips.net/video/pGKjSzg-uoY/видео.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
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
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.
Hi can you share more abot your advisor. How much of the proffits does she take?
How is your portfolio managed? Do you execute trades with her guidance or is id executed by her?
Thank you
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.
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.
Absolutely MEGA content!! Great Job!! Keep them coming!
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!
You are truly a blessing to beginner level investors. Truly amazing content
Thanks a lot for the shared knowledge! It is really helpful
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!
Obrigado!
What a nice surprise, thank you! 🥂
Thank you for quoting European connection. I have watched too many vids on ETFs not available in Europe butnot referenced as such...
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!
Best Analysis, Best Explanation, Best graphics, Angelo is the best in the field. Beside investing, Angelo can you teach me about business too? You mentioned you have a business.
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
Great video. My bank manager would never tell me this stuff 🙂 He tried to sell me their "Dynamic Portfolio" which wasn't so dynamic.
Complimenti per la chiarezza e la trasparenza, ottimi contenuti👌🏻…
Grazie! 🙏
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!
So much work u have done! Thank u so much
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!🙏
Very useful video. Thank you very much Angelo!
Wonderful video! Thank you! 😊
Das ist genau das, was ich gesucht habe.
Thank you for sharing Angelo
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.
Thanks Angelo, a very interesting guide for the European investor providing a lot of information.
My pleasure!
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 :)
Your videos are awesome! So much useful info if you want to invest in being based in EU.
I make the pie in 3/3 by 33% of all
1/3 of dividend, foundational, growth etfs
Writing this comment purely for the algorithm, thank you for your amazing content ❤
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.
Amazing content Angelo. 🙏
I'm wondering why Gold is so rare in investment portfolios. I'm thinking about putting 10% in iShares Physical Gold to diversify. Gold prices have had decent growth and tend to go up when stocks go down.
Well, I'm doing exactly that and I'm very happy about it. 🙂
IMHO a portfolio consisting mostly of shares (via a worldwide ETF) + some gold (via an ETC) + maybe a little bit of Bitcoin (via an ETN) gives the best all around market participation for 90-95% of private investors.
... regardless of saving goals (short-/mid-/longterm), inflation, tax laws, other political risk factors like war and ESG, and financial/banking shenanigans.
(I found bonds, real estate, other commodities and other cryptos to not be worth the hassle - read: too small gains and/or too volatile - at least for us small folk. 🙊)
Amazing! Thanks for the top quality analysis as always 🤑
Thank you so much for the helpful and informative videos you are making for EU investors, such a big help!
My pleasure!
That was awesome! Thank you!
Happy to hear that, you're welcome!
Thank u! You are useful for European
Thank you so much for the video, I can buy the VWCE from traders republic
@angelo have you considered making a summary video for your viewers from Switzerland in terms of which ETFs to invest in (domicile-wise)? Considering we are in your top 10 audiences :)?
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!
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.
Thanks for your brief explanation Angelo ,I would like to ask you if you can Explain us about Etfmatic ?
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?
Good day, is VOO Vanguard accumulative or distributive? thanks
VOO is Distributing. Generally, all US-domiciled ETFs are Distributing
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?
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 👌
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!
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!
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.
Does anyone here like FUSD? (Fidelity US Quality Income UCITS ETF)
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 content, thank you!
My pleasure!
Thank you for video about your investing opinion
My pleasure!
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?
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.
Thank you Angelo! Question: How do you choose between an ETF in USD vs EURO?
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: ruclips.net/video/J_BYmJFGcjA/видео.html
Dear Angelo,
Thanks for the comprehensive video.
IUSN is only small caps is there an ETF which is in USD and value, small caps worth buying ? Please share your thoughts.
Many Thanks
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.
Hi! What do you think about the GGRW instead of FGEQ in dividend portfolio?
Thx Angelo👌🏼😘
You are very welcome!
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 video! Is there a ETF equivalent to the Vanguard FTSE Developed World UCITS ETF but in EUR?
What about stoxx 50? Do you prefer it or 600 stoxx for an euro zone investor?
I prefer the 600, since it includes 200 Large, 200 Mid and 200 Small Cap stocks. 50 stocks is way too little diversification in my opinion.
@@AngeloColomboFi thanks
Do you think it could make sense to invest in etf using a tax wrapper e.g. pension plan? There are some that let you choose the etfs and also do rebalancing. All of that behind a tax shield. I would be very interested to k le your opinion about that.
Many thanks
In Austria it's not really an option since it's only being offered by insurance companies charging ridiculous fees eating up any tax-advantage. If your country offers retirement accounts or something like that, it may make sense! I do have my doubts if using a service like what you mentioned (probably a robo-advisor) is worth it though vs. simply buying a single low-cost ETF yourself (if that's possible in a tax-advantaged account too).
@@AngeloColomboFi many thanks for your reply. Here in Germany there is a new taxation on accumulating etf (vorabpauschale) which unfortunately reducers the power of compound interests.. the only way to avoid this taxation is to buy your etf inside a pension plan. However has you correctly guessed these plans are offered by insurance companies which charge fees (around 0,5% p.a.) on top of the eft costs.
However you manage your portfolio yourself like in any brokerage account (I use scalable) and also if you sell an etf to buy another one you don’t pay capital gain taxes (as long as you don’t take the money out from the pension plan). So basically you have a deferred taxation which allow the etf to grow tax free.
In the end what is difficult sometimes is to figure out if the tax benefit compensate the insurance costs in the long run.
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
Hello again Angelo!, I would like to ask you, you recommend among others ETFs, the Vanguard FTSE All-World Acc. (VWCE) and the iShares Core S&P 500 Acc. (SXR8), but are these Euro hedge ETFs?. Their trading currency is in euros, but i don't know if it is the same thing as euro hedge ETFs. Could you explain it for us, please?. Thank you!
They are not hedged, you can simply buy them in euros directly (as is the case with most ETFs listed on European exchanges). I wouldn't recommend going for hedged ETFs in the first place, as those come with much higher fees and tend to under-perform by a significant margin compared to their normal counterparts
well, thank you for the explanation!
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 😅
SPDR MSCI ACWI IMI UCITS ETF has changed since then: TER - 0,17%, Fund size: 1,558 m and it holds 3,534 securities.
I would also add Emerging Market to my folio.
I have for now 60%sp500 and 40%nasdaq
does it make sense ? i feel i put too many eggs in the US basket
Which ETF should add to have more exposition to the world while keeping those ?
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.
Could you make a video about ESG and SRI ETFs?
Thanks for the content, very helpful
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 👍🏻
Thank you Willem!
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?
Would you recommend a euro hedged version for us Europeans to reduce currency risk? Even though you generally pay a higher TER for it.
No, hedging generally doesn’t make sense with globally diversified ETFs and only adds unnecessary costs without benefiting performance long-term
Does somebody know where to find info about taxation of etfs with domicile in Ireland like ishares, vanguard, and stoxx 600 in Luxembourg?
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.
Angelo, what is best ETF that covers food, beverages and FMCG companies?
Hello Angelo, i would like to know whats your honest opinion about the VUSA ETF .
If you only want to invest into the top 500 US companies it's great. If you want to invest globally, then I would go with a FTSE All-World, MSCI World or FTSE Developed World instead.
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.
Will you consider a bond etf when you enter your 50s or at any other time?
Angelo, Im invested in the s&p500, do you believe it makes sense to add us small caps? Like a 10% or its better to add world small caps? thanks
Hi Angelo - I am considering a mix between strategy 2 and 3, so 70% FTSE Developed World, 15% FTSE Emerging Markets and 15% MSCI World Small Cap (all mentioned ETF's Acc). What are your thoughts on this?
I like the combination, I'd be happy with that as my own ETF portfolio! (not financial advice)
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 :)
Can Backtest simulate a portfolio with mix of several options or only 1 by 1?
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
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.
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!!!
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.
and If i want to invest in euros, not in USD, would you recommend doing so through euronext in Amsterdam?
hello Angelo, thank you for your work.
I am new in investing and I would have one question.
I have the VWCE (accumulating) in which I am investing and it is now at 94.42 while the VWRL (distributing) that is at 84.87.
This difference between these two, that is 9.55 (94.42 - 84.87), represents the accumulated dividends since 2019 when VWCE started?
Thank you in advance!
You're very welcome, Denis! I think you're looking at the wrong trading currencies - right now in euros, VWCE is at 94,12€ and VWRL/VWRD is at 96,15€. But VWRL/VWRD (distributing) has been out since 2012, while VWCE came out 7 years later (in 2019). That's why you can't compare them 1-to-1. But yes, the accumulating version reinvests dividends into the stocks within the index, which then raises its value by that amount (which would have otherwise been paid out, like in the distributing version).
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 is the text editor you're using at 10:49 pls?
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
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
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.
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 ?
I find your videos very useful. Thanks a lot. I am very very new in this world of investing. I hope you can answer my question. Let's say I buy the same 3 ETFs for the next 10 years on a montly basis. Then, in 10 years, how can I get my invesment back? I really do not know hpw it work when I want to withdraw the money. I am using Degiro btw.
You're very welcome Diego! You basically do the same thing you did when you bought them, but instead of placing a "buy" order, you place a "sell" order during market hours. After which you withdraw the cash balance back to your bank account
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 🤞