Help me decide between VWRL or SWDA+EIMI

[Fizzy]

@San_Francisco

@Fizzy

So I compared the cost for a 10k CHF purchase on Degiro and holding it for 1 year.
(…)
Is my calculation reasonable?

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 on a 5-figure (10k) investment?

You are absolutely right that the long-term cost should be compared. My investment horizon is 10+ years and I aim for a portfolio covering the world market. I apologize that I did not mention this in my initial post. I decided for Degiro, as I don’t think that my investment reaches 100k soon. I know that the actual break-even is lower due to withholding tax reason.

I updated my calculation for 1, 5 and 10 years and included VEVE and VHVE as well. Those look attractive, but especially the latter has a very low fund size (24M CHF).

Remark: A onetime purchase of 10k is probably not a realistic scenario.