I agree, in a way - Avadis is genius. If I were them, I would onlyy do a few small tweaks, and. They were just amazibg:
- move to Accumukating Funds (removes complexity that peope don‘t get the re-Investment transactions
- Create an easier to read tax declaration form
- change their asset allocation to add some MSCI Europe ir EAFE so that they can lower their EM exposure
- reduce their hedging a bit
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- change TER to 0.45%, in line with VIAC