What would you do?

You bought what is, by and large, an equivalent (European-based) product.

Even though the gods of micro-optimisation (and Cortana, their chosen prophet preaching us the virtues of index funds) might make you doubt and lead you to believe otherwise.

The small share of small caps (that have underperformed large caps for a couple of years now) doesn’t make a substantial difference. Neither does the large number of stocks at the tail end (of miniscule) holdings.

I still stand by my assessment not long ago that VT is a bit more efficient - between 0.1% and 0.3% “better” a per year. So roughly a percentage point in 5 years or so. But otherwise VWRL is a very reasonable substitute.

3 Likes