7 Years of ETF Investing: What I Learned

[@AngeloColomboFi]

What was your most important lesson as an ETF investor? 🇪🇺Trade Republic (ETFs + 4% Interest): angelo.fi/tr 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 👉Compare ETFs: angelo.fi/comp 📌Esketit (P2P): angelo.fi/esk 📌Mintos (P2P): angelo.fi/min 🏠Current P2P & Broker Deals: angelo.fi/p2p 🇪🇺4% interest p.a. (€100K deposit guarantee): angelo.fi/save ⚡Where I buy Bitcoin: angelo.fi/bit

[@george6977]

Ignore forecasts.

[@AngeloColomboFi]

Amen to that!🙏

[@hopakalu8069]

Hello, Angelo. Please I'm living in Austria 🇦🇹 and I want to start investing in ETFs, please which broker will you recommend?? Danke

[@AngeloColomboFi]

If you're in Austria, Flatex is the easiest option as they take care of any taxes for you: angelo.fi/flatex

[@emmanuelakhator2637]

Awesome video angelo you just got yourself a new subscriber. Much love from Nigeria. My take home lessons is keep it super simple!

[@uncountableuk]

Nice video. I started investing in index funds in 1998 and stopped work in 2019 aged 51. Your points are a recipe for financial freedom. Most people will be unable to stick to them though.

[@alarud]

Wow, that’s very motivating ☺️🙌🏻

[@FeelMyBicepp]

How much did you invest over the years?

[@uncountableuk]

@@FeelMyBicepp it varied. Very roughly, one third of my annual lifestyle costs were invested (so if my spend was £21k I would invest £7k) In later years I invested a higher percentage because my wages went up, but I did not spend more.

[@FeelMyBicepp]

@@uncountableuk thanks

[@bohachino]

How do you handle your investments when there is a recession for example during 2008?

[@lawfirmbersani]

Very good video, point one is maybe the most important. I did the same with a huge diversification in many ETFs and now I’m trying to simplify. You’re the best Angelo !

[@mrrscta]

Congratulations on your channel, Angelo. We are following you now. Cheers, Marcelo and Fernanda from Brazil.

[@SMS-ek9xd]

I just started investing 1.5 months ago and I'm making all the mistakes that a beginner investor often makes. 1) My portfolio is complicated, 2) I am affected by "noise" and trade way too often. 3) I am impatient, indecisive and act emotionally 4) I over-emphasized the dividends-paying companies, 5) I obsessed over the fees. 6) Now I'm not even sure if this is the right time to invest anymore. Enjoyed the video. Will be re-watching it again. =p

[@arigutman]

Keeping investing simple. THAT strategy works... 100% of the time.

[@pelocitdarney5718]

That was an excellent presentation. Thank you. It probably took me 20 years to achieve the knowledge that you present here.

[@Klaus80804]

You are absolutely right. Especially if you have previously invested in stocks, it is easy to make everything too complicated with ETFs. An MSCI World ETF with a savings plan is all you need.

[@sathish5882]

Congratulations on speaking the truth and having the heart to guide others.

[@Mausiska]

Thank you for your transparency! 🙏😊 I've got 3 etf's for 2 years: VWCE, S&P500 and one for dividends. The best performance in my portfolio is S&P500, the worst the dividend one (actually in minus all 2 years I hold it). VWCE doesnt perform that good as for you, but I guess it needs more time and space :)

[@AngeloColomboFi]

Thank you for sharing! Yes, the US has been outperforming everyone else lately, but since nobody knows the future I like to keep it simple and include all countries via VWCE :)

[@bryce-bryce]

​@@AngeloColomboFi Why not 90% FTSE and 10% S&P?

[@lawrencer8673]

Warren Buffet said just buy the S & P 500 index, i have done just that & done very well.

[@grendach]

Thanks Angelo for video and for sharing your personal experiance!

[@zhanzo]

For those of you watching this elsewhere: Banks and Financial institutions can fail suddenly, and it can be of equal probability with you loosing your job (which tends to happen simultaneously), you might loose most of your money with maybe a little refund 10+ years later. It is not always a good idea to keep your emergency funds invested. Keeping it in a Bank that does not give interest but government owned, or even keeping 2-3 months in a safe at home might be a good idea. Please investigate the end of Weinmar republic, compare it with recent events such as Argentina, Venezuella, and observe what governments do when they go bankrupt.

[@centrino538]

Thanks! And happy new investing year,🙂

[@forza7replays606]

Perfect as always! Thank you for your feedback and making this channel!

[@nanni8629]

Very good content I’m working in the market in the regulatory department and you seems to be very legit ! Congratulations we need more honest ppl on KZbin!

[@Deadly1996]

This video sums up everything I have learned about investing in stocks. I'd say this is the only right way to go. You can get lucky but MSCI world is the BEST option and super diversified. Buy with a fixed interval and don't stray from it. Top advice this video!!

[@whispie.]

Happy new year Angelo! Looking forward to new videos in 2024

[@AngeloColomboFi]

Happy to hear that, happy new year to you as well! 🥂

[@merle6803]

Thank you for sharing your experience! I´m just starting on my journey now and your experience reassured my on my current path.

[@tomastetur1]

Thank you very much for sharing your experience with passive investing into ETFs. I am currently going through my own experience with that.

[@mrbilginc]

Perfect advises! Thank you!

[@hunreverse9751]

I have a portfoli of four etfs the vanguard s&p 500, Vanguard FTSE develop, iShares NASDAQ 100 and iShares Automations and Robotics. Is that too much, should I just stick to one, and if yes which one?

[@wread1982]

All you need it VGT

[@davegardner5246]

Fantastic video Angelo. Have a great 2024

[@AngeloColomboFi]

Thank you Dave! Wishing you a fantastic 2024 as well! 🙏

[@Teccae]

Thanks for the video! Still the best wishes for 2024, may it be a great year! 🚀

[@AngeloColomboFi]

Wishing you a fantastic 2024 as well! 🙏

[@reabo]

Maybe i miss understood your advice but , but accumulating efs arnt more tax efficient, you have to work out divs. Its just harders to do so

[@AngeloColomboFi]

Depends on the country you're based in, in most they certainly are more tax-efficient: kzbin.info/www/bejne/qZC4fGakZrWJftU

[@efoplistis12]

Hi Angelo, Happy New Year with health & prosperity !!! Thanks for this very helpful video !!!

[@AngeloColomboFi]

Happy new year my friend! Wishing you a fantastic 2024 as well! 🙏

[@ikarosjimsky]

Hi Angelo. Thanks a lot for your video. I have also made the same mistake of buying too many ETFs in the beginning and now I have realised my mistake although it has not been long since I started. However, it is difficult to decide which ones to let go after having bought some shares in each of them. For example, I have been investing in the Vanguard All World ETF as you but I have also been investing in some other ETFs such as an AI ETF expecting high growth rate in the next 10 years. Of course, the sum of the expense ratios of these ETFs would cost a lot in the long term. Thanks a lot and appreciate your time for the video and your reply.

[@AngeloColomboFi]

My pleasure! It happens, as long as you don't make your sector bet your core investment, I think that's perfectly fine!

[@ikarosjimsky]

@@AngeloColomboFi Great! Thanks a lot for your reply!

[@brunalourenco2859]

Thanks Angelo!! Your videos really help me a lot! 😊🙏🏻

[@Alban.Bytyqi]

Thank you Angelo. Really appreciate your share.

[@ioannis6243]

Hi Angelo! Many thanks for sharing your investing journey with ETFs, very inspiring and encouraging for all of us! Two questions which I didn’t seem to find in the videos I watched, (i) as a European investor, how do you manage the exposure to USD and (ii) if you had a lump sum for example €50k would you invest in the ETF immediately or €10k over 5 month period? Many thanks in advance!! Continue doing what you doing!!!!!

[@haknazarhallygylyjov3664]

Great information Angelo. Thank you very much for your informative video. Very helpful and practical advice.

[@alarud]

Thank you! Useful as always ❤️

[@ruechel]

one of the best videos on personal finance advice i have seen and there is SO much garbage out there. Grazie Angelo!

[@AngeloColomboFi]

Thank you, I'm very happy to hear that!

[@plvrajshekar2424]

Amazing tips. I am a beginner in ETF investing and this video is like golden advice 🙂

[@eddiesonic4747]

Best video I've seen on the topic so far

[@Desuetus]

For VWCE accumulating, how do you know which percentage/amount of your annual gain represented the dividend? For example, how much divident was paid in 2023 and on which month?

[@martinfernandez7529]

You don’t know, is automatically. But you can compare with the Non Accumalting seeing the difference between the percentage 😊

[@AngeloColomboFi]

You have thousands of stocks within the ETF paying out dividends at different dates throughout the entire year. As this happens, the fund reinvests them into more shares of the stocks within the index, slowly raising the ETF share value by the amount that would have otherwise been paid out by the Distributing version of the same ETF on a quarterly basis. As Martin mentioned in his reply, you can get a good idea of the dividend amount/percentage looking at the Distributing version: www.justetf.com/en/etf-profile.html?isin=IE00B3RBWM25#dividends

[@Desuetus]

@@martinfernandez7529 Thanks for the tip.

[@Desuetus]

​@@AngeloColomboFi It makes sense now. Thanks!

[@denniseichler7931]

Fantastic video, Angelo. Everyone in the United States needs to watch this. Thanks!

[@vladvasilov]

Happy New Year, Angelo! Keep creating great content, and keep it simple!

[@AngeloColomboFi]

Happy new year to you as well, Vlad! Certainly planning to, I'll do my best!

[@carlosadell7204]

Im so glad I found your channel!! Awesome content

[@rglittle6]

I wonder if you would consider doing a video on ETFs that don't have oil and gas holdings, or a video with any other angle on sustainable investing? Personally I plan to decarbonise my portfolio in 2024 and I bet some of your other subscribers are thinking along the same lines. Thanks for all your great videos and greetings from (also) Vienna.

[@thomasrosenmayr6621]

I second that thought! Would be interesting to hear more about sustainable investing

[@iainbrewin]

This is pretty spot on and good info. This is pretty much where I got to 3 years into my investment journey. One valuable tidbit I gained form this was putting your Emergency Fund in a different insurance covered broker. Definitely will look into that!

[@tradingfundamentals]

I like the regional diversification of your ETF portfolio. Regional diversification is such an important method to reduce risk. I create stock analysis videos on my channel and I always cover where a company sources their revenue.

[@2coryman]

Yes true I have heard those advices often I like 2 or 3 ETFs one foundational maybe about 59% then two growth ETFs for growth like QQQM or SOXQ on an Roth IRA and keep buying more shares, can also get some good dividend stocks like KO , O, or STAG, cheers ❤❤

[@imumba4321]

Very informative and to the point...cheers!!!

[@CurieBohr]

Subbed. Good job with your portfolio. I’m investing 29.71% of my income 👍🏼

[@torma99]

Thank you for this video. In many financial/etf forum now one just have to copypaste this for the majority of posts.

[@AngeloColomboFi]

My pleasure! Thank you, it always makes me happy when I notice one of my videos being shares somewhere online :)

[@eos6984]

Good video and good advice. Thanks.

[@Razvan27]

Hi Angelo, I really enjoy your videos! Could you please make a video about the taxation process for ETF that are based in Ireland such as VWCE ?

[@drew9312]

Great job. To hold/ not sell during the pandemic and 2022 took courage. It’s easier said than done. Well done.

[@AngeloColomboFi]

Thank you Drew! What did you do in 2020 and 2022?

[@drew9312]

@@AngeloColomboFi I held and added carefully to quality companies. It was a hairy experience and lonely at times as there were so many bears. Thanks.

[@ТеодорТодоров-ф6д]

Hi Angelo! That what he learned is almost the same what I've learned. 😀 Keep going, after another 7 years the result will be amazing. : ). Can you share some of the books which you read about ETF Investing?

[@AngeloColomboFi]

Great! 🙏 Yes, we should be well into early retirement by then if things go well :) One of my favorites was The Simple Path to Wealth by JL Collins, which is a great place to start in my opinion.

[@ТеодорТодоров-ф6д]

@@AngeloColomboFi, yes this is also one of my favourite, which represent the simplest strategy. But I also at the moment diversified with other type of assets - broad ETFs as S&P500 and FTSE All World, also High Dividend ETF and a few shares. Apart from that I invest in P2P and Money Markets fund like you and also Farm Land.

[@unknow9339]

Good work. keep doing it.

[@Piresjj]

Thank you for videos

[@emilyparker-eh2un]

: Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate.

[@Thorin632]

If I am not mistaken you are based in Austria and there it doesn’t matter if you purchase Acc or Distr. they will tax you anyways. Therefore, it reduces the compound effect

[@AngeloColomboFi]

Acc. ETFs are still a bit more tax efficient in Austria, especially Vanguard ETFs.

[@Thorin632]

@@AngeloColomboFi understood. Thank you again for the great content

[@otsok]

Thanks for the video! One question: why would you choose Vanguard FTSE All-World instead of, say, iShares Core MSCI World, even though the latter has smaller expenses and performed better, at least in the last 5 years? Is it just because of the larger diversification?

[@GoSu..]

He talked about this in separate VWCE video, as you said - it's diversification, as IWDA does not cover small cap nor emerging markets. Those under performed lately, but it's not an indication for future performance.

[@otsok]

I see, thanks! @@GoSu..

[@AngeloColomboFi]

Exactly as @GoSu said :) But I totally understand investors that choose to only invest into developed markets (eg. via an MSCI World or FTSE Developed World) due to the lower fees and EM's poor performance over the past decade.

[@_amih]

Hey Angelo, thanks for the content so far, hope 2024 goes your way! Just curious, do you track a year-by-year inflation-adjusted value graph for the sums you invested across the years in VWCE? Also, what's your investment cadence? Weekly/monthly/quarterly/random/etc. ? Keep up the good work!

[@AngeloColomboFi]

Thank you, wishing you a great 2024 as well! 🙏 No, there are tools that already do a great job at that: curvo.eu/backtest/en/portfolio/vwce--NoIgag6gwgoiA0xQEkYAY0CEDSBWTAigCoAcaCAjALo1A - you can find real (inflation-adjusted) vs. nominal returns there My wife and I have a recurring, automated investment running at the start of each month and I then buy more shares at whatever moment I have more money coming in (I'm self-employed, so it fluctuates a lot).

[@tanyo95]

Hey Angelo! I wanted to ask you, does the 20,000€ investor compensation scheme limit concern you? Because in the US, brokerage accounts are protected up to $500,000 but here in Europe, it’s up to €20,000. Maybe you could make a video about this?

[@kuehyongsiangtony4716]

How does ETF profit you? Giving out dividend? Month or quarterly or yearly basis? Or u had to sell it to earn the difference of price?

[@AlexS-qz7xy]

2:45 You say the 2 ETFs do NOT overlap of around 90% but when I check them, I see they have almost identical top 10 holdings and also they are ~70% focused on USA. Could you pls elaborate?

[@AngeloColomboFi]

Have another listen, I actually said "since it has an overlap of around 90%" :)

[@nikosverykokkos5530]

Angelo is pure gold!

[@dazza9859]

Tax on ETF in Ireland is very punitive.After 7 years it’s deemed disposal and an exit tax of 41 percent on profits applies 😢

[@excitedaboutlearning1639]

Irish taxation is great for non-Irish investors, but I've heard it's really unfair for the Irish themselves. :/

[@frankomatijasec9651]

Hi Angelo, plese comment if it is good strategy for long run. I started investing in two ETFs > 1. Vanguard S&P 500 UCITS ETF (USD) Accumulating VUAA (The S&P 500® index tracks the 500 largest US stocks.) / 2. Vanguard FTSE All-World UCITS ETF (USD) Accumulating VWCE (The FTSE All-World index tracks stocks from developed and emerging countries worldwide.)

[@AngeloColomboFi]

Hi Franko, I can't give you investment advice, but I can say this: The Vanguard FTSE All-World already includes all the stocks in the S&P 500 (these make up around 61% of the index), so in my opinion it doesn't make much sense to buy both, unless you want to increase your share of US stocks further.

[@buddy6910]

What were the books you read on index investing ? I would like to read more about them

[@Jimarass]

Great videos and content for us in EU. May I ask, given the fact that in the long run, we expect immerging markets to get more and more financial stronger (As all analysts and even current tech new predict), wouldn't a 3etf like 50% VUAA 25% VEUA 25% EMIM approach be more versatile? (also who knows maybe in the future eu decided to offer tax advantages to etfs that invest in European companies only). I feel that VWCE 65% weight towards the usa market is not so future-proof.

[@elenaep703]

Angelo thanks for the content . Have you bought VWRL from interactive brokers in EUR ?? Because i only find it in USD

[@federicoiglesias4233]

Hi Angelo, great summary in this new video. IB is still your favorite broker? thanks and happy 2024!

[@AngeloColomboFi]

Thank you Federico! Yes, IB is still my number one followed by Trade Republic :)

[@jadsoueidi9068]

Do u have a video recommending or teaching / sharing knowledge on REITS for eu investors ?

[@djodds]

Great video. Thanks!

[@chrismail]

What’s the difference between doing an S&P 500 vs doing three etfs : nasdaq, emerging markets and Europe ? It seems as doing three continents would be more diversified

[@AngeloColomboFi]

The NASDAQ100 is not a diversified ETF, it's basically just US tech stocks

[@ظافرعبدالله-د6د]

Appreciate your efforts

[@BrijenHathi-p1t]

Total returns are important but it is a rear view mirror, doesn't guide forward returns. While dividends is something you could have in hand.

[@nickdavidelijah]

Any Aussies here? What are the best brokers/platforms for us in Oz? I heard CMC is good but I’m just starting to learn

[@tomaszvinys2389]

What is weird - I did not find a way to invest into ETFs via IBKR. I see you're from EU as well. Could you maybe make a small tutorial on that?

[@eniobagio9781]

Hi Angelo, great content! Do you use any app to bring together your portfolio from different brokers?

[@nanoometaleiro]

Is living in Austria a big drawback for dividend investing? even the non-paying etfs fall under dry-income tax. Isn't it better to relocate to Switzerland?

[@andrea1854]

I wanted ti buy the FTSE ETF you suggests in the video. However I see that on Degiro the only ETF replacating this index Is USD denominted. Buying this ETF would not expose me to FX Exchange Risk if I am within Eurozone?

[@franciscoquevedo8240]

Hello Angelo. What's your opinion about sintetic etfs? They seem to be cheaper and they have less tracking error. But I don't see many recomendations to buy them

[@RobJones-f9y]

I read somewhere that Irish ETF's only charge 15% tax when withdrawing as apposed to other countries ETF's witch charge 30% tax - wouldn't it be better to just buy Irish ETFs? Also, how will the TAX work - do you just pay 30% on your gains or the whole amount?

[@MikeKay1978]

I tried ibkr but I still can’t buy ETF, they are either missing KID, thus disable the choice of buying them. Or I’m illegible to buy them, so i need to change the account settings to do so. Trying to change account settings just notify me that it ibkr deemed I’m not elligable. It is a uphill battle.

[@quanaonamepxingiarefcshop-8016]

Thanks for your sharring 👍👍

[@Broonchi]

Angelo, can you suggest alternative to Trade republic which is not available in Croatia for getting that 3-4% of interest on emergency fond? Do Interactive brokers offer similar thing? On what risk?

[@MrThemneboss]

Mislim da IBKR nema, provjeri Degiro, možda on ima. U svakom slučaju, mislim da je IBKR najbolja opcija svakako. Pozdrav od komšije!

[@tomasmasson3072]

Really nice content Angelo (as usual)! May I ask you if you know how taxes in Austria work if you move your investments out of country? My wife and I have ETFs that we bought when we came to Austria but our contracts run just for the next 3 years; after that, it is likely that we'll have to leave the Schengen area.

[@AngeloColomboFi]

Thank you Tomas! Haven't looked into this more closely yet as I haven't had the need to (nor would it change our investment strategy), but it's something I'm also interested to find out.

[@mturzo]

Which platform do you invest in ?

[@austinehasz3907]

What do you mean tax implications. With all ETFs I have bought I’ve paid for expense fees which get taken off the top and dividends are of course taxed. That’s all I paid ??

[@rienaperdre]

this is great advice. yes keep it simple. but sorry to say that if you only invested in 1 s&p etf you would have 352,079.29 today. msci world often underperform the us market

[@juanpuentemayer7599]

Hi, excellent video! I have a problem, I'm living in Australia so I can buy VWCE... What option could be similar here in Australia??

[@AngeloColomboFi]

Either the US-based ETF VT (Vanguard Total World Stock) in case you have access to it in Australia or VGS (Vanguard MSCI Index International Shares ETF), which covers the MSCI World

[@juanpuentemayer7599]

@@AngeloColomboFi Oh thanks Angelo! But which differences does VT and VGS have with VWCE? This ones have the same characteristics? Thanks!

[@stefanohagiavintostefanoha7346]

Complimenti, molto interessante. Che ne pensi del Value Averaging? Perché non lo adotti?

[@pedrosantos-vj7os]

Why not the SPY (S&P 500) index? That has always performed great, and definitely better than the ones you mention right? You are definitely more experienced, so I am sure there is a caviat to this S&P 500 fame of being the best of the best and returning over 10% a year on average. Could you explain me why not to invest in the SPY and rather on the FTSE all-world? for example

[@pedrosantos-vj7os]

I am asking because it has always seemed so obvious to me to invest in the SPY (although I have never invested in my life), so it comes as a bit of a shock when you don't recommend that one. And I am sure there is a good reason why, which is what I would like to know

[@BloobUbloobok]

Could you help to understand please a moment with USD ETFs in Trade Republic - does not it create extra cost for currency exchange rate from our side? May similar EUR funds cover it better? 🤔

[@AngeloColomboFi]

No, the fund currency itself is irrelevant, we're able to buy/sell these ETFs directly in EUR on most European exchanges. You only pay a tiny exchange fee (in the form of a 0.0014 difference in the USD-EUR exchange rate) if you have a Distributing ETF or stock which pays out dividends in USD, which would then be converted to EUR

[@BloobUbloobok]

@@AngeloColomboFi interesting, thanks! That expands the list of potential ETFs.

[@nndmlsvc]

How are using Trade Republic when you're based in Austria? Their website says you have to have a permanent residence in Germany (with tax liability) to be able to open an account. Thanks!

[@maxmamba3]

Thanks Angelo, very insightful! I was wondering if you have any reccomendations regarding cold wallets for crypto?

[@AngeloColomboFi]

My pleasure, Maks! Yes, I use a Ledger Nano S Plus: angelo.fi/ledger Trezor is great as well, just make sure you always order directly from the official store.

[@AplikovanáEkologie]

Dear Angelo, can i please ask is IBKR is your main broker? And if you think DEGIRO is fine? i started using degiro due to it being more user friendly but i can see that IBKR is numero uno in the game.... Thank you!

[@AngeloColomboFi]

kzbin.info/www/bejne/roG6kqp3ncuqpJI

[@jamesdobbs6942]

Thanks Angelo, IBKR is confusing for me, is the VWCE ETF for Europe this one, "VANG FTSE AW USDA / IBIS2" and the exchange is IBIS2? Thanks.

[@AngeloColomboFi]

It always shows one exchange as a base, in this case IBIS2 (XETRA in Germany), but IBKR routes your order to whichever exchange is offering the best price for your order. Yes, that one (VWCE) is the Accumulating Vanguard FTSE All-World ETF.

[@hananad4603]

Did you create a kids depot for investing for your little one? I’m from Germany and this seems to be a good option. Nice video!

[@prakashbhagat7510]

Hey Angelo, nice video! What are your thoughts on the SCHD US Dividend Equity ETF in comparison to the FTSE all world?

[@AngeloColomboFi]

Thank you! It's an apples and oranges comparison, there is no point - 100 dividend paying stocks in the US vs. 3600 stocks from all across the world

[@MelzerLobo]

Angelo, can you make a video on capital gain and taxes when trying to close an ETF.

[@AngeloColomboFi]

You mean when you sell a position that's in profit? Since taxes are different in each country, you have to check how much taxes you need to pay where you live.

[@gabrielampiawkobina2779]

Hi angelo, so which etf did you finally settle on? I have began my investment journey. I would like to pick one etf and just invest like you did.

[@AngeloColomboFi]

Hi Gabriel, the Vanguard FTSE All-World Acc. (VWCE) as mentioned in the video. This video might help you decide: kzbin.info/www/bejne/r6Tce5ttebSYrpY

[@Pegaz205]

Hi, can you please answer where I can see "Withhold Tax" for VUSA or VWRL ETF-s? I am using Interactive Brokers and for ETF-s there is no withhold tax. Is there any document or? I need some document to show in my country to confirm that taxes for that investments are paid. Thx.

[@ForWorkPurposesOnly]

I want to simplify but the stocks I want to unload are in the negative. I'll be patient though.

[@GotterVibez]

Thanks for sharing your story :) but I dont understand why was it more expensive with 6 ETFs instead of 2ETFs, like isnt the fee a percentage of the amount of money you put in the ETF? How does the number of ETFs influence the this?

[@AngeloColomboFi]

I think they had slightly higher fees (TER) in general, but I was mostly talking about the transaction fees when buying 6 ETFs regularly instead of just one.