Help me decide between VWRL or SWDA+EIMI

You’re comparing these costs over a holding period of merely a year. Holding such funds over just a year is more short-term speculation than investment. And there are probably better products for short-term speculation.

For a longer-term investment though, is is virtually like comparing one-time initial fees. But honestly, is it worth worrying about the cost equivalent of two cups of beer :beers: on a 5-figure (10k) investment?

Since the ETF doesn’t issue a dividend, Degiro shouldn’t charge a dividend processing fee on it.

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