TER/Tax optimized portfolio

For your aim of replicating VT, I find it already “overly complicated” as it stands, to be honest.

You probably mean “0.063 percent”. The difference to 0.08% is probably below measuring threshold. Also, keep in mind that lower TER on paper doesn’t necessarily mean that your returns are going to be higher by that very same margin. I’ve seen examples where funds with slightly higher TER fared better than seemingly “cheaper” ones.

I’ve previously posted about it.

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