I plan to invest soon in ETF’s. Regarding the fees I’ll start with DEGIRO, as I will probably not reach CHF 100’000 in the next years. As it is not possible to buy VT at DEGIRO and unsure if in the future we’ll be able to buy US ETFs at IB, i built my own “Total World” Portfolio with the following positions:
10% iShares Core SPI (TER 0.1; CH market)
50% Vanguard FTSE North America (TER 0.1; US market)
15% iShares Core MSCI Pacific ex-Japan (TER 0.2; Pacific)
15% Vanguard FTSE Developed Europe (TER 0.1; European market)
10% iShares Core MSCI EM IMI (TER 0.18; Emerging markets)
That results in a TER of 0.123%, which is not as good as VT, but better as VWRL.
Any thoughts or comments are welcome