The Best World ETF To Hold Forever (1-ETF Strategy)

[@AngeloColomboFi]

Which ETF would you pick if you were starting today? 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 🇪🇺ETFs, Bonds + 4% Interest: angelo.fi/trep 👉Compare ETFs: angelo.fi/comp 📌Esketit (P2P): angelo.fi/esk 📌Mintos (P2P): angelo.fi/min 🏠Current P2P & Broker Deals: angelo.fi/p2p 📈I Track My ETFs Here: angelo.fi/getq ETFs mentioned (ticker in brackets): SPDR MSCI World Acc. (SPPW) iShares Core MSCI World Acc. (IWDA) HSBC MSCI World Dis. (WRD or H4ZJ) Vanguard FTSE Developed World Acc. (VHVE or VGVF) Vanguard FTSE Developed World Dis. (VEVE or VGVE) Vanguard FTSE All-World Acc. (VWCE) Vanguard FTSE All-World Dis. (VWRL or VGWL) SPDR MSCI ACWI IMI Acc. (SPYI)

[@fengshan9785]

Hello Angelo, I've been watching your videos with interest and I came to the conclusion that it's a lot safer to invest in ETFs than in individual stocks however, I'm finding that some ETFs like the XLK aren't available to European customers, is there a database where one can look for equivalents available to EU residents?

[@argeurasia]

Hi Angelo, thanks for your videos. I was looking into buying index funds as opposed to ETFs, in case I do want to make a change from one index fund to another one (which, if I understand correctly, does not generate a capital gains and is not taxed until it is eventually converted into cash). Are there index funds alternatives to this for people living in Europe? I'm referring to for example VTSAX vs VOO.

[@LisaMaier-t5x]

SPDR MSCI ACWI IMI 0,17 TER Including small caps. Done.

[@LisaMaier-t5x]

SPDR MSCI ACWI IMI 0,17 TER Including small caps. Done

[@jimbojimbo6873]

Invesco cheaper

[@lionzion89]

This is great content for us EU residents. Thanks a lot, Angelo.

[@AngeloColomboFi]

Happy to hear that!

[@Grievance_Studies_Affair_2018]

@@AngeloColomboFi Hi. I just discovered your channel and I enjoyed this video. Pretty useful for me as a total beginner.

[@saxkMr]

Romania fan and subscriber here. Thank you for this European tailor content. Keep it up!

[@punitsalimath225]

I'm a novice to investing. Your videos make it easy for me to understand and hopefully I'll buy my first ETF soon. Keep up the good work.

[@sp6213]

I would really like a video where you explain what makes an ETF qualify as an ESG one, and how the decisions are made to include and exclude holdings to an ESG ETF

[@jonathanantheunus460]

Very instructive and to the point.For a complete novice like me you're videos remove a lot of confusion! Thank you for the nice work and greetings from Belgium.

[@Melifluiddd]

Ok That was an amazing analysis, thank you so much!

[@OldMonkeyFood]

Great breakdown! I really appreciate this information and how you convey it. As it goes, I'm a new investor and I have also chosen VWCE as my 1-ETF strategy. I follow a similar investment approach as you (core-satelite) with 80% of my investable funds in VWCE and the rest in other "context based" investments.

[@AngeloColomboFi]

Thank you! Nice, sounds like a reasonable strategy :)

[@geoffroyhatty2567]

@AngeloColomboFi In Ireland, Irish investors have to pay a 41% exit tax on ETFs profits or pay 41% on unrealised gains every 8 years. (An archaic law called Deemed Disposable). Although, Stock is only taxed on exit at 33%. For that reason, I'm thinking of creating my own ETFs with stock, AKA, replicating an Index with fractional shares. I would love to see you attempt this and show us how. Perhaps you'd benefit from it in Austria as well.

[@Tiantkd]

it just got into me to get more info regarding etf and i landed here. Amazing information, concise and precise. Good work!

[@hannesdewinter9512]

Also selected the SPYI a couple of weeks ago. Good to see that you had the same idea 😅

[@AngeloColomboFi]

Nice, thanks for sharing! 🙏

[@whispie.]

Hehe that B-roll was awesome, hope you had fun doing it. Great video! I'm sticking to VWCE too, it is performing very well especially lately and the fees are small enough

[@AngeloColomboFi]

Happy to hear that! I did at the time, it was actually from an old video of mine (I'd love to do more b-roll though): kzbin.info/www/bejne/eardqp1jgJuIZs0 Thank you, same here :)

[@etfmaster4101]

Invesco FTSE All World is above 100m AUM now......great product!

[@AngeloColomboFi]

Sweet! Come on Vanguard, it's your turn to lower fees now and keep the competition going 👌

[@etfmaster4101]

@@AngeloColomboFi 250m now

[@luishcoreia]

@@AngeloColomboFihi angelo. I get the idea of one global etf. But when I look at sp500 historical data over a large number of years is better than the vwce or similar etf. What is your opinion on sp500 investment strategy.? I understand the concentration risk, but when comparing ftes, most of them will follow the US economy tendency

[@davegardner5246]

Thanks for the quality video Angelo. I’ll stick with my MSCI ACWI. The performance is more or less identical to VWCE. It has less holdings but a slightly lower TER. I’m surprised it didn’t get an honorable mention in the video. Cheers!

[@AngeloColomboFi]

Hi Dave, my pleasure as always! Thanks for mentioning it, it could easily have made the list as well. The reason I didn't spend time on it is because I feel like the SPDR MSCI ACWI IMI stole its thunder after lowering the TER to 0.17% and offers something extra (Small Cap) over the other ETFs on the list. The iShares MSCI ACWI is still an excellent ETF I would have zero issues holding indefinitely as well!

[@davegardner5246]

@@AngeloColomboFi thanks as always Angelo! I think the number one thing to remember is that over the long term, ie, more than 20 years, these ETFs will jostle for position and the TER will reflect that. If you continually invest into any of these global ETFs over the long term you’re going to come out of it very well. Looking forward to your next vid already. Cheers!

[@AngeloColomboFi]

I agree, we're already on the right path by going with broad-based, passive, low-cost ETFs in the first place (over expensive active funds etc.) and our ETF's expense ratios will keep being lowered over time

[@777ibrico777]

I am starting today. So I guess I'll have to pick one and stick to it as advised.

[@karsinds]

Ho rivisto questo interessantissimo video e mi ha fatto riflettere sulla mia strategia. Nello specifico lo spostamento di almeno un etf-asse del portafoglio sulla versione ad accumulo (per evitare le tasse, anche se, a ben vedere, non incidono granchè sul risultato complessivo perchè i dividendi sono bassi). Ed anche l'opzione di non vendere gli etf attuali, ma affiancare quello nuovo, su cui si sposterebbero le aggiunte per accumulare.

[@dimitrismavridis2179]

Congratulations for your work.

[@richardmoody3295]

I have just started an Invesco FTSE all world ETF. 0.15% fee and includes developed and emerging markets. Also an accumulation

[@henkjekel4081]

Can you buy it with trade republic?

[@mmiguel7867]

Great video Angelo! For a 5 to 10 years time horizont, and with the VWCE DCA every month until forever, could the VUAA be a good pick to add with 75/25 % strategy (VWCE/VUAA)? Thank you

[@AngeloColomboFi]

Thank you! You would simply be increasing your US exposure from 61% (VWCE) to 71%, while decreasing everything else further (Europe, Asia etc.). Is that the idea? In that scenario, it may make more sense to skip EM and just buy the FTSE Developed World or MSCI World instead (70% US currently).

[@mmiguel7867]

@@AngeloColomboFi The idea is that i assume that for the next 10 years, USA will still be the powerhouse in the market, and then i wil just stay with the other strategy of VWCE. Thank you for your reply

[@fredatlas4396]

Spdr msci acwi imi index etf available here in the UK is in Dollar denomination, so there will be some underlying currency charges unlike GBP de nominated etfs like ishares msci acwi etf, or Vanguard ftse all world etf etc. Also it looks like the ftse all world index and ftse dev world indexes don't have any small cap exposure just large and mid cap. Vanguard does a ftse global all cap index fund in the UK which tracks large, medium and small cap stocks across the dev and emerging markets

[@stefvdo]

Ciao Angelo, thank you for the Video... As always great insights for people like me that want to start. Would you ever make a short video about the Austrian taxation? As a non german speaker living in Austria I find it very challenging to understand. Thank you and keep up

[@AngeloColomboFi]

Thank you! Shoot me an email, I'll send you some info on ETF taxes in AT: angelo.fi/mail

[@tadasrinkunas689]

Maybe just me, but I feel a little bit guilty if I invest in EM. We all saw what happen with Russia…China is also unpredictable…Or maybe need to read less news😁 Good job Angelo!

[@whispie.]

Yeah, but the organic demand is going to be gigantic. Just imagine what would happen if China and/or India forbade Apple from selling iPhones in their territory and only sold local phones. The amount of population they have is gigantic, and the way the world is de-globalizing will make a big impact in the future

[@AngeloColomboFi]

You both make some solid points. I wish there was an easy, clear answer as in "include EM to increase returns" or "just buy developed", but sadly it's a bit more complicated and there's no way to know what will pay off more: kzbin.info/www/bejne/hF6yl2qlrJiAlac In the end, EM are just 10% of the All-World or ACWI IMI, so you could treat it as sort of an insurance. If India, China etc. take off you'll be glad you're invested and if not then the EM share in those ETFs will decrease further.

[@dimitriskar86]

Thank you Angelo. Yup you are right. I am based in Greece. Thanks again for the informative videos. They are of great help, especially for someone who starts now! :) (apologies to post again, but youtube doesn't let me to reply on your comment).

[@gabrielenicolini5988]

Angelo - excellent job! I really like the comment of not jumping around for similar products due to the tax implication. Bravo. Best wishes!

[@andrewcarmeichal3237]

Great summary vid, very helpful for a beginner (me)

[@trainingwood]

Hello Angelo thank you for the great videos for non USA investors. I was wondering in regard investing in Vanguard FTSE All-World Acc. (VWCE) which is domiciled in Ireland can you please clarify if I understand correctly you buy shares directly in EUROS without converting to USD ? If I understand correctly the main reason for all investors out of USA is to choose ETF domiciled in Ireland because of taxes? I am using IBKR and I bought some VOO and SCHD and also some dividend stocks and expectedly I was automatically taxed 30 % on dividend gains. Thank you once again.

[@ludwigfleck88]

Fill in the W-BEN form and submit it to Interactive Brokers to claim the taxation treaty between your country - if eligible - and the United States to pay 15 instead of 30 % taxes.

[@person.X.]

The MSCI ACWI IMI is an awesome index for diversification. It is amazing that more fund managers don't follow it. I would definitely choose the SPDR ETF that tracks this index if I wasn't already invested in other global trackers.

[@AngeloColomboFi]

True! I think we might see more fund providers adding an MSCI ACWI IMI ETF if the SPDR ETF keeps growing in fund size

[@riccardobusetti6371]

Great video! I also live in Austria and I was wondering why you said that Vanguard is better for taxes in Austria. Thanks again!

[@AngeloColomboFi]

Thank you! It's simply more tax-efficient based on my calculations when looking at Austrian tax data. If you send me a short email I can send you more info on how ETF taxes work here: angelo.fi/mail

[@RedHotAmarth]

Thanks Angelo! Quality content, as always!

[@ricabb]

It is worth to mention that the "MSCI market classification framework" classify a country as "developed" or "emerging" taking into accounts 3 criteria: (i) sustainability of the economic development (GDP per capita); (ii) size and liquidity of the market; (iii) market accessibility criteria (policy and regulation of the market: how easy is to invest/disinvest? how stable is the policy and regulatory framework?)..... I think those are important elements to take into account while deciding to invest into Emerging Markets and evaluate risks. The name itself "Emerging markets" is a bit misleading, because not-too-aware investors may think that are countries that are emerging and growing very fast, which is not coherent with the MSCI market classification framework

[@radostintodorov2107]

Hey Angelo, Bulgarian fan and subscriber here. How would you invest 100k at the moment in one ETF strategy + 1k monthly savings? Would you split it in 12 (more/less) or would you invest it as a lump sum?

[@AngeloColomboFi]

I wish I had the perfect answer, but in the end you simply need to do whatever makes you less anxious: kzbin.info/www/bejne/r4C6cpuCa7J5fJo I probably would't push it beyond 6 equal monthly investments personally.

[@GeorgeInTech]

Nice dating analogy, it earned you a like and a sub

[@BestChoiceEver-u8l]

Hi Angelo, pls can you make a video of ETFs to buy specially in the Real Estate Sector, Semiconductors sector, Tech sector, and the Energy sector? Thanks very much. Good job 👍

[@xristosmilovianos2989]

Hi angelo thanks for sharing. Do you convert eurow to dollars for more profit? Before you buy etfs? And in which platform do you buy?

[@AngeloColomboFi]

No, that wouldn't mean more profit, rather I'd waste some money on currency exchange fees. I always buy them directly in EUR on Interactive Brokers angelo.fi/ibkr and Trade Republic angelo.fi/trep

[@joshuataylor7504]

Amazing man thank you! Where did you get your hyper strong money cat from by the way? I need him

[@cdesousa612]

Great content. I live in Portugal but have a big chunk of my net worth in the USA in a ROTH. What is the best Int'l fund that excludes the US? Thanks

[@AngeloColomboFi]

Thank you! Sadly I haven't seen global ex-US ETFs that are domiciled in Europe. You could buy a few ETFs covering different regions instead: kzbin.info/www/bejne/mnfPaH6DgdGahbc

[@UchihaRull3z]

Hello! Great content! Is the combination of Vanguard developed world + emerging nations a good one, or should i just buy All World?

[@kirstenvanlienden4022]

Hi Angelo, thank you for your great content. I love your videos, they teach me more about ETFs in a shorter amount of time than I could have possibly learnt without your channel. However I was wondering if you could also make a video about green/sustainable (in terms of environment, not finance) ETFs. For me, and probably many more people, it's important not to invest in things like fossil fuels. A slightly lower interest is worth that peace of mind. Perhaps you can make a video on decently performing sustainable ETFs? Thank you for considering!

[@paweljaguszewski9367]

Thanks Angelo. Keep up the good work.

[@aa-ch8mw]

Thank you very much! Really really usefull as usual. Ciao

[@AngeloColomboFi]

Happy to hear that!

[@cdesousa612]

Thank you and Happy New Year

[@AngeloColomboFi]

Happy new year to you as well!

[@alisonm3700]

Thank you for making these videos.

[@clemensgutmann1144]

Thanks Angelo - another great Video!

[@MrSneakyCastro]

Thank you Angelo for this analysis of criteria but I always feel you leave out the most important thing in your various videos: expected returns!! How much will our money grow? How did your portfolio do over the last years?! Make us dream 🎉

[@AngeloColomboFi]

Our ETF portfolio averaged 10% p.a. in returns since 2017, but you can see a bit more historical data for ETFs here: curvo.eu/backtest/en/portfolio/vwce--NoIgag6gwgoiA0xQEkYAY0CEDSBWTAigCoAcaCAjALo1A

[@ChristopheMichiels]

Hi I have a question regarding the difference between -> number of holdings vs number of constituents (SPYI -> 3017 vs 9000)

[@AngeloColomboFi]

SPDR is replicating the index using a method called optimized sampling, where not all stocks are purchased (especially the smallest ones): www.justetf.com/en/academy/physical-replication-of-etfs.html

[@miguel727_OG]

Hi Angelo, great video as always! Quick question, I have noticed you don't mention Index Funds in your channel, is there a reason? Just wondering because compared to ETF's you have better taxation rules, at least in Spain. Looking at options, the Vanguard Global Stock Index is a good alternative to the FTSE All World ETF with lower commissions, 0,18%. I'll appreciate your thoughts on this. Thank you

[@AngeloColomboFi]

Hi Miguel, that's because most people (me included) don't have access to index funds. And long-term most index funds have so far underperformed their ETF counterparts, as you can see in your example (Global Stock Index = MSCI World): www.fondsweb.com/at/vergleichen/ansicht/isins/IE00B03HD209,IE00B4X9L533 -> sorry about the German If you're planning on holding your investment long-term and not switching from one index fund to another on a regular basis, then I don't see the benefit of going with index funds in Spain.

[@deniskinevane1222]

​@@AngeloColomboFi Hi Angelo, can you tell us why we can't access index funds. Im from Ireland. The ETF tax is 40%.and there is a rule where you must pay this tax every 8 years even if you don't realise gains!. It really turns me off investing. Especially when you compare it to the American tax rules. Thanks

[@miguel727_OG]

Hi @@AngeloColomboFi, thank you for taking the time to answer to my comment, really appreciate your feedback on it. I completely agree that investing in index funds is less universal than on ETF's, here in Spain you can easily do it (fractional investment) with a Neobank called MyInvestor but there is not that many more options apart from them, I thought Interactive Brokers also had them but not sure. I have been following a very similar strategy to yours on the same ETF and will probably continue to do the same in the future, just wanted to get your input, Merry Christmas and thanks again.

[@susmitroy9178]

Hi @AngeloColomboFi, the SPDR ETFs shows as "Fonds" in the KID documents in Germany. Why is that? Isnt it a ETF and not a fund?

[@matrixpingui]

That was well explained, Thank You Angelo! Question: are you still investing(adding more money) to your 2 old etfs mentioned in the video or simply holding it and letting the interest to work for itself? And when do you plan to sell them? I am thinking of making a switch to one ETF portfolio but not surę what to do with my current 2 etfs i have hence the question. Thank you!

[@AngeloColomboFi]

Just holding, we've exclusively been buying the Acc. Vanguard FTSE All-World over the past few years. Selling them would make zero sense, as they're up 47% and 70% respectively and I'd like to avoid capital gains taxes on them until we're retired and actually need the money :)

Thanks as always for great video, Angelo! I’m with the FTSE all world

[@AngeloColomboFi]

You're welcome as always, Italo! Nice! 🥂

[@henkjekel4081]

Are you in europe? And did you buy via trade republic the usd variant?

[@jonathanmv]

Hi, Angelo. Thank you for these educative videos. I noticed that many of the ETFs you suggest have the USD as currency. Is it advisable to buy them with euro? Or is it better to find an ETF in euro already? Thank you for your answer

[@AngeloColomboFi]

That's just the fund currency, which is irrelevant. You can buy/sell all of the ETFs directly in euros using IBKR and Trade Republic (linked above), which is what I do as well!

[@lsismeiro]

You mean "an ETF to rule them all?" :) Thank you for the video.

[@AngeloColomboFi]

Yes, just what I was thinking about as well 😅

[@mariopopov3430]

Hello i've watched all your videos thank you for education , what do you think of VUSA as beginning investing in 1 ETF? Because the 188 euro per quantity is a bit too much for me.

[@AngeloColomboFi]

My pleasure! You're excluding the rest of the world and only buying US stocks. If that's the plan, then VUSA is a good ETF! You can also buy fractional shares by the way using Interactive Brokers: kzbin.info/www/bejne/Z2PKYmWLip2ihrM or Trade Republic: kzbin.info/www/bejne/oZvSl2uhoduYp8U

[@mariopopov3430]

Thank you for the information, i'm in interactive brokers, i've tried to buy fractional shares on some of them but it taxes me more for it. I'll look more into it maybe i've missed something.@@AngeloColomboFi

[@vigneshgandham3782]

Personally, i think the amount of effort for one ETF or 5 ETFs is similar, so I believe in diversifying my ETFs

[@AngeloColomboFi]

Nothing wrong with that, still a lot easier than managing tens or hundreds of single stocks!

[@pistopitpit]

It is much harder sticking to investment strategy long term when having 5 etfs instead of one global etf. When having more than one fund in portfolio, most investors will be tempted to sell etfs that perform poorly. When in reality the opposite should be done, buy more of the one that is doing poorly. Emerging markets ETFs are a good example of that. Investors continue selling it as it goes down for the last 3 years.

[@macunha337]

Wich 5 do you have, sir?

[@Fruchtpfote]

five times order fees. no good idea

[@vigneshgandham3782]

@@Fruchtpfote savings plans are usually free nowadays

[@OscarMunoz-v3q]

Hello Angelo! Greetings from Amsterdam and thanks a lot for your videos! I am just uncovering the tip of the iceber of the ETF's world trough your videos, I am still in diapers when is about investing Maybe If you don't mind me asking, why is it smarter to only buy 1 world ETF? instead of two? for the long run and if you have this explanation in any other of your videos please let me know!

[@AngeloColomboFi]

My pleasure! Based on my experience, I find it easier to stick to a strategy that's as easy as possible, with no need for extra decision making ("how much should I invest in each ETF this time?"). All while keeping in mind that I have no way of knowing which region is going to perform best, so I just buy them all via one simple ETF

[@0xTickrMeter]

Does it make sense to invest in VWCE (EUR) when the underlying assets are mostly in USD? Why not choosing VWRA (USD) instead?

[@AngeloColomboFi]

That's pretty much irrelevant, buy it in your local currency so you don't waste money on conversion fees

[@alwayslearning7672]

He lives in Austria and uses Euros.

Hi Angelo, can you please tell me in short why do you consider the Vanguard ETF being better tax-wise than the SPDR one for investors in Austria? I see that both of them are located in Ireland and they share the same accumulating nature. I would use Flatex and any headsup would be appreciated 😉

[@AngeloColomboFi]

Sure Matej! Generally, the 27,5% tax from the point of buying until you sell everything remains the same. But, since we're also taxed a bit during the holding period, I've spend quite some time comparing how much taxes we pay on each Accumulating ETF in Austria on a yearly basis and found Acc. Vanguard ETFs to be the most tax-efficient overall (2x better compared to the SPDR ACWI IMI ETF so far). You can look into the tax data here: my.oekb.at/kapitalmarkt-services/kms-output/fonds-info/sd/af/f

[@lucasvelasquez7711]

Great,@@AngeloColomboFi, I was looking for someone with exactly that question, the reason why you said that the FTSE All-World is more tax efficient in Austria. I understood your reasons and in addition to that, I saw that you probably lived the dilemma that is preventing me from starting to invest in Germany (where I currently live). From your answer I understood that in Austria, as well as in Germany, there is the Vorabpauschale for ETFs. I can’t find material in English that tells me what happens in practice, but here in Germany, in theory, this makes the Acc and Dist funds with the same amount of taxes, but with more complexity on the part of the Acc because you need to pay in advance. Isn’t it the same in Austria? The tool you used for this study has a German equivalent? Thank you very much.

@@AngeloColomboFi Thank you Angelo for the effort and for staying curious. You have a drink from me if/when see each other in Vienna 😉

[@enricomassaccesi]

THANKS Angeloooo! Ora dopo la live con Mr Rip devi farlo in italiano 😂😂😂

[@tanmoychakma8360]

Hi Angelo, thanks for the great video. Can you quicky explain the difference between accumulating and distributing ETFs? \

[@michaelalexander-kq8gh]

Great video thank you. Can I ask 2 questions: 1. Would you consider the high dividend paying etf Vanguard Funds PLC VANGUARD FTSE WRLD HI DIV YLD UCITS ETF (VHYL) LSE? if not why not - it seems less weighted to the US Tech Stocks and gives a higher div. 2. If you thought Developed countries were going to be down for the next 10-15 years would you change your mind on your ETF choice and lean more to an ETF with higher emerging markets? Thank you very much

[@AngeloColomboFi]

1. No, I prefer the default version (which has also performed way better long-term so far) as I don't want to prioritize companies only based on dividends 2. No, I'd stick to VWCE, see the share of EM stocks in the ETF increase on its own and be happy about the fact that I chose an ETF that includes EM

[@MR-ge1dx]

Hi Angelo! You are investing in a USD ETF when your savings are in EUR? Are you currently exposed to the USD/EUR movements or how does it work? Thanks a lot :)

[@AngeloColomboFi]

The fund currency itself is irrelevant, it doesn't influence the value of the stocks within the ETF. We're always buying the ETF directly in EUR, so we're not paying currency exchange fees. Of course the euro getting stronger or weaker will still impact returns based on the countries you're exposed to via the ETF, but hedging against it is still not worth it long-term.

[@filippoghezzi654]

Thank you very much for the video Angelo. I would like to start buying IMIE but I saw that the average volume is not that high on the Italian stock market (around 2.3k). Could this be a risk? Any chance it will be difficult to sell the etf? Higher spread maybe? I would be very much interested if one day you make a video about the liquidity/volume of ETFs! Regards from Italy and thank you in advance for your work.

[@AngeloColomboFi]

My pleasure Filippo! What broker are you using? On IB (via the ticker SPYI) you have access to all exchanges if you're worried about volume: angelo.fi/ibkr You could always transfer your shares over later on as well, as long as your current broker supports that

[@filippoghezzi654]

@@AngeloColomboFi I’m using Fineco, an Italian bank that overall gives a great platform to invest

[@filippoghezzi654]

@@AngeloColomboFi I’m using Fineco, an Italian bank that overall gives a great platform to invest

[@anandalbertdsouza4277]

Any idea for the mentioned ETF how does DTAA apply for the individual

[@GRAZIELASALVADORCREMASCHIMONTE]

Thank you for your content

[@duartesantos3250]

Good day Angelo, thanks for the nice video! I am based in the Netherlands and am new to investing in ETF's. I am using Degiro, and wonder which from your table of great ETF's which one to go for considering also the taxes involved. You mentioned that for you as an Austrian better to go for Vanguard but wonder how can I evaluate it for the Netherlands. And since I am based in NL and without considering the commission free ETF's Degiro provides, and as a rule of thumb, should I aim to go for EURONEXT exchange? Let me know please thanks.

[@DarkoFitCoach]

Ja ga altijf voor amsterdam exchange (EAM) dan heb je geen valuta kosten. Kies een etf uit de kern selectie en dan is 1x per maand aankoop gratis en maar 1e transactie kosten. Thats it. Ik zit zelf on s&p500 etf. Belangrijkste les is: kies goed en hou het voor tientallen jaren. Zet er geld constant op elke maand. En hou emotie erbuiten voornamelijk als de markt inzakt wat ie ooit weer gaat doen uiteraard. Het herstelt altijd weer dus geen zorgen

[@paraskevaspsychogios2543]

Hey Angelo. Great video again. I would to ask you please , why vanguard's ETFs are better for citizens of austria? Do they have lower taxation?

[@AngeloColomboFi]

They seem to be operating more tax-efficiently within the fund, since that's relevant for how much we're taxed on a yearly basis in Austria when holding them. I'm happy to send you more details on ETF taxes in Austria if you shoot me a quick email: angelo.fi/mail

[@penguingobrrbrr353]

Hey, I'm complete beginner and I don't know which brokerage app/site would be mot safest and low fees if there is any of them in EU. I've learned/listening and overall educating myself about the market i also invested a lot in real estate and its debt free. Now I'd like to invest most of my cash from RE in the capital markets + my salary :)... and decided to invest in SPYI, VWCE,VOO or any other that would make sense. I'm looking to invest for the long term (25-40 years). I do not intend to sell unless something bad happens. I do not want to sell RE properties so I'm looking for something in the capital markets.

[@AngeloColomboFi]

This video should help: kzbin.info/www/bejne/anOTZpWuaNV7ipo

[@christupan]

Great video!

[@vincewoo3415]

Good day Angelo, thank you for your insights in this awesome video. I believe it’ll be super helpful to long term investors. 😊

[@AngeloColomboFi]

Thank you Vince, happy to hear that!

[@ЕвгенийТоричный-б9с]

what will be more profitable in the long run to buy 1 etf for the whole world or take two different ones for a developed and developing market?

[@mathewshaw7439]

Am thinking about doing VUAA WVCG AND EMIM. 40-40-20. This way there is only 40% reliance on US, minimum overlap etc. Thoughts on this?

[@yanka1950]

Angelo can you make a video about investment in ETFs for investors now living in Austria? You always say that investing from Austria is complicated, but can you explain it?

[@AngeloColomboFi]

Only a small percentage of my viewers is in Austria, so a video wouldn't make much sense sadly. But if you send me a short email, I'm happy to send you more info! angelo.fi/mail

[@dimitriskar86]

Great video. I have some comments/questions. 1. what about choosing a tax free ETF such as the ones with UCITS? Are the ones you suggested tax free for Europe? 2. what about choosing an ETF which is in euro currency (not dollar) to reduce the risk of conversion exchange? The ones you suggested support buying them in euro? Thanks.

[@AngeloColomboFi]

Thank you! I only talk about UCITS ETFs on the channel, so yes of course! I'm guessing you're based in Greece or Bulgaria? All the ETFs can be traded directly in euros, which is what I always do as well!

[@dimitriskar86]

Thanks Angelo. You got it right. I am in Greece. Your videos are very insightfull and informative, especially for someone who is starting now! :)

[@madeinmedellin7245]

Hi Angelo, I appreciate your sincerity and your simplicity. I was wondering, why don't you diversify your ETFs, you seem to like SPDR MSCI World AND Vanguard All World. Instead of choosing one OR the other, why don't you buy both, you diversify your asset managers so reduce "the risk", and for free (you just keep buying one or the other). No need to do 50/50, it can be 80/20 or whatever. I remember Ray Dalio's portfolio with ETFs from all different asset managers. What do you think? I would like to know your opinion on it?

[@AngeloColomboFi]

Happy to hear that! I don't really see the need to diversify fund providers, especially not when we're talking about well-known fund providers with a long history like Vanguard, Blackrock and SPDR and when they're physically holding the stocks within the ETF (so not synthetic SWAP-based ETFs). But if you feel better by adding a second fund provider, I don't see the harm of doing that either (if fees etc. are comparable)!

[@Karma85858]

Is it worht it to invest in the vanguard s&p500 and the ftse developed at the same time for diversification?

[@AngeloColomboFi]

You're definitely not diversifying more by adding the S&P 500 - all of these US stocks are already included in the FTSE Developed World

[@Karma85858]

@@AngeloColomboFi so you think the developed world is better than the s&p 500? Its gonna bring more gains in the next 5-10 years?

[@liakos711]

Great video Angelo.Do you have any suggestions for an ETF with EUR as a fund currency?

[@AngeloColomboFi]

Thank you! The fund currency is irrelevant and doesn't influence returns. You can trade all of these ETFs directly in EUR anyway.

[@diegocornello2935]

Wow really interesting videos... I really like this aproach. But I have a question... why when you talk about MSCI ACWI Index ETFs you dont consider iShares MSCI ACWI UCITS ETF USD (IE00B6R52259) like an alternative? is something in line with your explanation or I miss something?

[@AngeloColomboFi]

Thank you! It's a great alternative! I simply didn't mention it because the SPDR MSCI ACWI IMI stole its show due to its now lower TER of 0.17% :)

[@person.X.]

One thing to note is that it is a different index. The MSCI ACWI doesn't include small caps like the IMI.

[@andreaorlandi5135]

Thanks for your useful videos. I know you after watching the live with Mr. Rip. What do you think in general about 80% SWDA + 20% AASI to replace VWCE? Does it make sense to you?

[@AngeloColomboFi]

Nice, happy that you found me that way! Nothing wrong with that split, even if I find 20% EM Asia a bit high for my personal preference.

[@Paul_1927]

Was sagst du eigentlich zur Wertpapierleihe - ist ein Risiko das fast jeder ETF hat und bei kaum einen wird darauf hingedeutet dass die einfach die Wertpapiere verleihen. ?

[@AngeloColomboFi]

Es wird immer nur ein kleiner Teil verliehen und dies immer gegen liquide Sicherheiten, die jeweils über 100% des Wertes haben, damit es selbst bei finanziellen Schwierigkeiten des Leih-Partners nicht zu Verlusten kommt. Das ganze verbessert unsere Rendite, da ein Teil der Erträge hiervon (oder alle, je nach Anbieter) in die Performance einfließen und so die Tracking Differenz verbessern. Ich hab also in diesem Kontext, innerhalb der ETFs null Probleme damit

[@007mcvan]

Thanks Angelo, What about iShares MSCI ACWI UCITS ETF? What do you think about treasuries and metals to protect portfolio? My portfolio is: ISAC(iShares MSCI ACWI UCITS ETF) - 70% DTLA(Treasury 20+yr) - 23% IGLN(Gold)- 7%

[@alexanderkenniethbam]

Hi, are these on DEGIRO as well?

[@jalub014]

Hello Angelo, I am thinking of switching from S&P 500 to an all-world index. I only started recently and my gains a very low so the question is do I sell the shares and put it into the world index or should I hold onto it and just start investing into the world index? I know that you are still holding shares in an ETF you are no longer contributing into but I suppose your motivation is to avoid the taxes from the gains you have got over the years which I don't have as of now.

[@AngeloColomboFi]

If you have no gains yet, then there's nothing wrong with selling your existing shares and moving everything into a simple All-World ETF.

[@TheJYianni]

How long track record does the the VWRL FTSE all world ETF have? Is there somewhere I can view all its history?

[@francescomilicia2837]

Thanks a lot Angelo for the quality of the videos! Could you tell me more why Vanguard FTSE All World is more tax efficient in Austria? I live in Vienna too and I’m trying to understand the taxes with ETFs but it’s very difficult. I know for sure that accumulating ETF have the dividends taxed like the distributing ones. Is Vanguard treated different? Thanks a lot for your help 🙏🏻

[@AngeloColomboFi]

My pleasure Francesco! Just shoot me a quick email here, I'd be happy to send you more details: angelo.fi/mail

[@stellanews6190]

Great video. Thanks! 🎉

[@dimitardabov]

Thanks Angelo! As always, perfect analysis...!

[@AngeloColomboFi]

Thank you Dimitar!

[@alexanderkenniethbam]

Hi, differences with acc and dist?

[@GabrieleGismondi]

Hello Angelo, do you have any videos about swap based ETFs? Which are the risks or pros beneath them? thanks

[@AngeloColomboFi]

Hi Gabriel, it's something I might explain in more detail in the future. Thanks for the suggestion! I stick to physical ETFs personally, which actually hold the stocks in the index to avoid/minimize counterparty risk

[@user-fp9ck7hq2q]

Hi Angelo, great video! if I have a large sum to invest, is there a difference between buying ftse all world as a lump sum with all my sum vs monthly installments? (Germany tax laws) thanks!

[@AngeloColomboFi]

Thank you! Lump sum or monthly installments make no difference regarding taxes in Germany (or anywhere else). This video might help you decide: kzbin.info/www/bejne/r4C6cpuCa7J5fJo

[@gikaradi8793]

Question Angelo -where do you find the datasheet and infos for the abovementioned etfs??

[@AngeloColomboFi]

justetf.com

[@westsideloyalty]

Hi Angelo, thank you so much for this video. I just started investing with one ETF Portfolio (MSCI ACWI IMI). Since i am from Austria as well, why is the Vanguard ETF more Tax-efficent? I didn't know our beloved Finanzamt taxes ETFs differently 😅

[@arturo.a]

Thank you for your work. SPYI isn't available in Trade Republic, right? (I can't find it)

[@AngeloColomboFi]

Strange, I can find it in my Trade Republic app. You can try searching for the ISIN instead: IE00B3YLTY66

[@arturo.a]

@@AngeloColomboFi It worked. Thanks a lot!

[@ronnysoto2086]

Hi Angelo. Thanks for this great video. What would happen to ETF shares if brokers such as Trade Republic, Interactive Brokers, and Degiro become insolvent? I understand cash deposits may be protected up to 100K, but what about the actual investments? (ETF shares and Stocks)

[@levidebrabander7033]

read the websites, it has the info.

[@AngeloColomboFi]

Your shares remain your property even in case of bankruptcy (no matter the amount), as they are simply held in custody for you. Thus they'll be transferred over to another brokerage account of yours in case any of them were to go bankrupt. The one thing worth noting is that Degiro can lend out your shares, while the other two do not, which adds some counterparty risk in Degiro's case.

[@ronnysoto2086]

@@AngeloColomboFi thanks very much!

[@Riccardo_Vetere]

Ciao Angelo, discovered your channel after watching your live with Mr. Rip. Great job. It would be really interesting if in a future content you would go through the Vanguard Lifestrategy 80/20 as a single ETF for the whole life. This Is my strategy: I'm 34 with 2 babies. Your thoughts? 😊

[@AngeloColomboFi]

Ciao Riccardo! It depends - personally I have no use for a portfolio ETF with a fixed bond allocation (eg. 20% in that case), since I like to manage the low risk part of my assets myself (eg. cash earning interest on Trade Republic). But I could see it being useful for someone that's trying to reduce risk/volatility or who wants to withdraw from their portfolio soon, while accepting likely lower average returns long-term compared to an ETF only containing stocks.

[@Riccardo_Vetere]

@@AngeloColomboFi till date, It has good returns (12% YTD) compared to Ishares (swda) 16% YTD: a bit lower returns with less volatility on the long term. This probably can be a good solution for those who want a very passive strategy like me (Eg. no rebalancing). Happy if in the future you'll decide to make a content on It.

[@audaxmas6752]

Ciao Angelo, quindi alle fine hai solo 3 ETF, il tuo core e' VWCE e gli altri 2 sono i tuoi satellitti, corretto? Grazie e complimenti

[@AngeloColomboFi]

The other two ETFs are simply older existing shares (All-World Dis. and MSCI World) I had before switching to VWCE, which were in profit so there was no point in selling and having to pay taxes on capital gains already. P2P & Crypto are my satellite investments

[@canalprincipal7895]

What is your opinion on: QDVR vs SXR8? Appreciate your opinion

[@AngeloColomboFi]

Not a fan of SRI/ESG ETFs, since they too often change what company is included and which isn't. So I'd personally pick SXR8 among the two

[@tibisoft]

Hey, congrats for the videos, pretty clean portfolio and staight forward plan. ;) I was reading many pros and cons regarding SP500 vs All-World (even including EM or not) and still not sure what is the best option for EU investors, or for anybody on long term. Investing in 1 country (USA) can be a kind of risk, but seeing the actual geopoltical situation and aging tendencies do not prove that any other region (EU, Asia-Pacific, ...) will overperform the traditional US stock market. As of now, I have both as most siginificant portion, but it is also a kind of overdiversification.

[@Petersescape]

Hey Angelo! What are your thoughts on VHYL - Vanguard FTSE All-World High Dividend. I have my ETF portfolio of two ETF's 70/30 VWRL / VHYL. Great video, Thanks!

[@mikemolenaar8380]

growth and yield is too low for me, looking more towards TDIV and FUSD

[@Petersescape]

TDIV looks nice at first sight. I was not acquainted of its existence. I will research it. Thank you Mike! @@mikemolenaar8380

[@AngeloColomboFi]

Hi Peter, I mentioned that ETF here: kzbin.info/www/bejne/jGWanXZ-a8Z1ocU I prefer the default FTSE All-World index, since its total return (dividends + capital gains) has been significantly better historically.

[@NebuchadnezzarDoingStuff]

What do you think about Invesco FTSE All-World UCITS ETF (FWRG)? Not as established as vanguards but fees, are only 0.15%.

[@AngeloColomboFi]

The fund volume is too small for now, but I'll take it into consideration once it passes >€100M and if Vanguard hasn't lowered its fees by then!

[@Teccae]

Thanks for the video! 😁

[@AngeloColomboFi]

Of course! 🙏