# Tax optimisation for ETF investing **URL:** \ **Category:** Wiki\ **Created:** [October 31, 2016, 7:22am UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing/67 "2016-10-31T07:22:20Z")\ **Posts on this page:** 1\ **Showing post:** 41
**Author:** ![nugget](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nugget/32/57_2.png) [@nugget](https://forum.mustachianpost.com/u/nugget)\ **Post date:** [October 28, 2017, 8:44pm UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing/67/41 "2017-10-28T20:44:04Z")
hey, it is quite some time back when i had my mind deep in that stuff. it’s basically rephrasing the according bogleheads articles. > [@Bojack](#): > > do you have a backup of that google sheet? hm, backup, good point 😃 ill make one. > [@Bojack](#): > > I saw the dividends are not equal so I corrected it as dividends vary over the years, you can play around, this is no precise information, only guesswork. > [@Bojack](#): > > Now, do I understand correctly, that up to 0.3% can still be saved on VT if you send the DA-1? assuming tthe DA-1 works (i never did it but there is no reason that it should not): yes, the 15% L2WT would be credited for overall income taxation, effectively lowering it to zero. this corresponds to 0.3% saving. This represents the optimal way to go in the VT/VWRD topic. > [@Bojack](#): > > The sheet shows nicely how the TER doesn’t matter that much, the taxes are the bigger costs. yes, astonishing but true in the low-cost-area of ETFs. > [@Miuko](#): > > MSCI EM IMI should have L1DW some percentage and not zero, no? no i don’t know why i left L1TW epty, probably because i was too lazy to calculate it. please, go ahead and read the topic on bogleheads, then you should be able to calculate it & fill it in. L2TW is zero because as an IE domiciled fund, you as a swiss resident don’t pay any witholding taxes to ireland --- _[View the full topic](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing/67)._