Maybe degiro will change their mind, difficult to say. But re VT alternatives: The cheapest I’m aware of is VWRL and I did a TER + L1WT comparison here with the outcome that VWRL is ca 0.3% more expensive currently (changes every year):
TER L1WT TER+L1WT(assuming 2.3% div)
VT 0.10% 5.53% 0.23%
VWRL 0.25% 12.43% 0.54%
So it’s a choice between pest and cholera
- pest: VT - cheap but you have the estate tax problem
- cholera: VWRL - expensive but no estate tax problem
Mind you that this L1WT is only so dramatically cheaper for US stocks. So really this dilemma could be limited to VTI/VOO vs VUSA (requires splitting VT though). As for other regions like europe and asiapac L1WT of US vs IE funds is similar, there the difference is “only” the TER