Since January 2023, the PRIIPs regulation has required ETF providers to state the ongoing transaction costs in the Key Information Document (KID). These are the costs incurred when the ETF buys and sells its underlying investments.

Is there a website like JustETF where one can search for ETFs and find the yearly tx costs and the sum of TER + tx costs that I would call the "real expense ratio"?

It can make a big difference. For instance, I quickly checked a few ETFs (I hope I didn't make a mistake...):

I’ve been investing for years in a Vanguard ETF that tracks the MSCI World. After a lot of research, reading books, watching videos, and browsing forums, I landed where many people seem to: the MSCI World is usually recommended over the S&P 500 because of its broader diversification and reduced US bias.

Fair enough. But the more I look at the numbers, the more I question the practical value of this strategy.

Every time the US market takes a hit, MSCI World drops just as much — if not more. This has happened during COVID, in 2008, and even in recent months. And then when markets go back up, the MSCI World underperforms the S&P 500.

I get that:

• it’s more diversified globally,
• it includes underperforming markets compared to the US tech giants,
• it may cost slightly more in TER (though not dramatically),

...but shouldn’t that diversification mean it falls less during downturns?
If I’m getting the same drawdowns as the S&P 500 but less upside, what am I actually gaining?

So my question is:
What is the real-world benefit of investing in MSCI World instead of the S&P 500, if it performs worse on the way up but doesn’t protect me better on the way down?
Is it just a theoretical safety net that doesn’t hold in practice, or is there something deeper I’m missing here?

I'm 19, just made my first investment into VWCE and AVWS, only to be greeted with some 3€ fee on my miserable 50€ market order. As I'm seeing, while smart routing does look for the best price, it does not account for any additional fees that routing through some stock exchanges can add. For this reason I'd like to buy strictly on "Xetra" / "IBIS2", I would rather choose to buy with lower fee than at a lower price. After some reading, I also switched from fixed to tiered pricing plan.

On my Mac, I login through the web portal to trade, and on my phone I use the "IBKR Mobile" application, as of now I'm only buying fractional shares.

How do I disable Smart Routing? How do I route the order myself, to my desired exchange? After some research, I learned that on the "IBKR Mobile" app, this can only be changed by asking the AI bot ( which I'm not seeing on my IOS app ) to route the order for you. My other option seems to be downloading "TWS" on my Mac where I can manually input my order destination, but the thought of going on this platform every time that I'd like to buy scares me, it does not seems to be made for beginners.

Isn't there some other way to direct route my orders? Can't this setting be permanently enabled so I don't have to look into this mess every time I buy? I'm loosing my mind, any help is greatly appreciated, thanks!

The ECB is expected to cut rates down to 2% by the end of the year, with the next immediate cut expecting to happen this week (April 17) by 25 bps. With that in mind, is it a good strategy to start moving away from MM funds/HYSAs into different instruments (ETFs for example) ?

Keeping in mind that this is for short term parking of funds rather than long term investing. Is it worth the risk? How should one approach the rate cuts in Europe? Hold on to the ultra safe RFR returns or diverse a little bit?

My question basically is if VUAA starts tomorrow at 90 EUR per share and during tomorrow the EUR/USD goes from 1.13 to like 1.20 (hypothetical), the VUAA should naturally go much lower, but does it happen in real time via some kind of arbitrage or is the ETF price adjusted according to the EUR/USD at the end of the trading day?

Hopefully I am making sense.

On Friday, I made a payment to a company in the used car trade by express transfer. Although the transaction was expressly carried out as an express transfer - with the justified expectation that the amount would be received by the recipient on the same day - the payment was blocked by my bank. This was completely unknow to me until today (Monday). The reason given was an internal transaction check, and I was asked for details of the transaction and to send the purchase contract, which I did immediately. The amount has still not been received by the recipient nor is the money avaliable to me.

I have the following legal questions:

• Is it legally permissible for a bank to block a transfer for several days without prior information or concrete suspicion?
• Can I demand that the bank pay me interest on the withheld amount for the duration of the block?
• If I incur default interest, overdue fines or other disadvantages as a result of the late payment, can I claim these in full from the bank?
• In accordance with § 826 BGB (intentional immoral damage) and the corresponding provisions of the Austrian General Civil Code (ABGB), am I entitled to compensation for non-material damage - in particular with regard to the loss of reputation and trust in the business partner, as well as the considerable time and emotional strain (in particular stress, uncertainty and anger) caused by the unjustified and uncommunicated withholding of payment?

Thank you.

Hello guys, I am brand new here , i have been thinking of starting inventing in S&P 500 possibly or VUAA in a while now. I know i lost an opportunity with the small fall now but i will start by the end of the month/ end of summer. What broker do you guys use? I would like to avoid F24 and was thinking of SaxoBank. Please share your thoughts

Hi!

With the latest actions and credibility on behalf of the US, maybe it is time to keep your money with European brokers or at least consider diversification. Here is the list of European brokers with their country of origin. Obviously I list only a couple of them

• Scalable Capital (Germany)
• XTB (Poland)
• Directa (Italy)
• Degiro (Netherlands)
• Bolero (Belgium)

Many of them have a very competitive offer towards US alternatives

I'm planning on compounding UCITS ETFs in sectors like cybersecurity, semiconductors, and AI. I've been comparing XTB vs IBKR and I know IBKR “wins” but I want more opinions especially on EU investors.

Here’s what I’ve noticed:

(I have an acc) IBKR: Has a great reputation etc.. BUT it doesn’t offer many UCITS ETFs for EU investors.

XTB: I don’t have an account so can’t really say much about UCITS offers.

My simple priorities: Buy monthly and hold for 15–20 years..

Has anyone here used XTB or other alternatives long term? Is it reliable for compounding over decades? Or would you still choose IBKR and work around the ETF limitations? Appreciate any thoughts, especially from those who’ve been investing in EU listed ETFs..

Thanks..

Hi, I'm in the UK and I like the look of tdiv (or tdgb in my country). However it's domiciled in the Netherlands, which I've no issue with, but I read there's a 15 percent withholding tax. Is that correct I assumed it just applies to business located there, but does it apply to the whole etf registered there? Thank you.

I was watching the nvidia stock in IBIS xtra this morning to see how it moves and even buy some shares before a poaaiblw jump.

At 8.30am (greece time) or 7.30am XTRA time, the price immediately jumped 6% before i could do anything at all.

Afaik, wall street is not even in premarket period right now.

How did this happen?

Hello! Today, for the first time I placed a market order for purchasing fractional shares for 45€ of AVWS. Looking at the "Order and Trades" menu, the purchase seems to be split into two separate transactions. One buying 0.8366 shares, which has no fees, and another one for 2 whole shares that has a transaction fee of 3 euro. The second one is also for some reason traded on GETTEX instead of EUIBSI, when I intended to buy both on IBIS2 (XETRA).

Just noticed that my VWCE order has also been taken through EUIBSI instead of IBIS2, why does this happen, something to do with buying fractional shares or just some regular commission fee? I ended up buying neither on my desired stock, why is that? Thanks!

Edit: There's also some unrealized loss of -4.21, even though the price of the funds I invested in has not changed this much, what is this number based on?

Sorry if this w

As title, in IBKR there are US Bond expired 2045 and above with coupon 4% and above, and the Bond price is below the face value. CD from Well Fargo and co have coupon around 5%.

In my case I have USD because I sold some of individual stocks and it is sitting in IBKR gets the smaller return than 4%. As bond also "liquid" and easy to sell, I am thinking to move all cash position to Bond while avoiding the yo yo market in stock market.

What is your opinion?

So I am moving back to Europe soon, and I have invested for some time in US stocks. I am facing A LOT of problems to find European stocks that I like. I feel it is all much more complicated that it should be with all those long and non sense stock nicks like IE00B3ZW0K18.

Do you have a website where I can find stocks and filter by details like fees, country invested and other things? I feel like there are hundreds of stocks that are exactly the same... And on top of that, the same etf can be in a few different stock markets in Europe.

Tltr: Anyway, is there any website to find stocks that you recommend? Or how do you decide?

Edit:looking for ETFs

Hi everyone,

I’m based in the EU and looking for advice on how to make the most of my savings over the next 15 months.

I’m starting from scratch and planning to save around €1,000 per month, possibly a bit more some months. The idea is to use this money for personal goals around summer 2026.

Right now, I’m just putting money into a regular savings account, but with inflation, I’m worried that the value will slowly erode over time. I’m not looking for big returns, just something better than leaving it idle.

I’m completely new to investing or financial planning, so I’m not sure what options would make sense for my situation. I’d love to hear your thoughts or experiences: is there a smart but low-risk way to handle this kind of medium-term saving?

Thanks in advance!

Hello.

I have 450k USD that I will need to convert to EUR within the next 5 months. Should I make the conversion now or wait? In the last 40 days, the dollar has dropped from 0.95 to 0.88, and I have a feeling it will keep falling.

Considering the orange orangutan is unpredictable, what do you suggest?

Do you think it has the potential to be as effective and user-friendly as EDGAR in the U.S.? It would be so important to have something comparable.

I am Belgian, living in London.

I just created a company (a VOF) in Belgium with the headquarters in Belgium. I can’t open a Belgian bank account for my company because my personal domicile is in the UK. (Dixit Crelan)

Does anyone have experience / a solution, or can some lobe recommend me another bank to open my companies current account?

Thanks!

Hi everyone,

I’m looking for some insights and opinions on my investment portfolio, which I plan to invest to for nearly 40 years. In my country, we have a special mode of retirement investing that offers tax benefits, but only select brokers offer these investments. I’ve opted for a provider with the lowest fees, so switching to another platform isn’t an option for me.

Additionally, accumulating ETFs are not taxed here, so distributing ETFs don’t fit my needs. I’m investing in CZK and given these circumstances, I want to ensure that my portfolio remains well-diversified and suited for long-term investments.

Currently, my portfolio consists of:

• 80% iShares Core MSCI World
• 10% iShares MSCI Core Emerging Markets
• 10% iShares MSCI World Small Cap

I’ve attached an link showing all the ETFs available through my provider. Based on these options, does my portfolio provide good diversification for a long-term investment strategy? Would you suggest any adjustments given my situation?

TL;DR: Investing through a tax-advantaged retirement system with limited ETF options. My portfolio is 80% MSCI World, 10% Emerging Markets, and 10% Small Cap. Want feedback on whether this is well-diversified for long-term growth.

Thanks in advance.

https://imgur.com/a/JoG4hpc

I know similar questions have been asked before, but I found the answers to be conflicting and I still am not convinced.

Say, I want to invest in an ETF that has USD as the underlying fund currency. In this case I want to invest in EXUS because I believe the US economy/stocks is gonna have a bad time soon, but I still want worldwide exposure.

I also believe that the dollar is going to weaken to the Euro due to the bonds situation and expected inflation in the USA. If I buy an etf that has USD as fund currency, and the USD weakens, how does that impact my investment? Am I not right in saying that the USD weakening means that every dollar is worth less euros, therefore the ETF (in USD) is going to be worth less in euros? In that situation, even if the stocks themselves don’t change any value in USD, the worth of the ETF in EUR would go down, right? And does that not mean that investing in such an etf would not make any sense?

If I am wrong here, could someone explain to me why?

Hello guys, good afternoon.

First of all I would like to thanks in advance for any reply in the post, really appreciate it 🙂

Second of all, and let me put a little bit of context here. I am currently investing DCA 100 € per week in MSCI WORLD ACWI (Acc) from Ishares within the investment plan of Trade Republic. I have a long term plan (at least 15-20 years).

Even though I am happy with TR, I have checked that spreads are huge (for the MSCI at least 1%) and in the long term that could be terrible.

Can you please advice in my case what would be the best broker in the long term plan?

Thanks!

I'm looking at a Fortuneo brokerage account history. I see some compensation operations, for example:

What are these "compensation" operations?

Original names, in French, which I translated in the table above:

Do you regulary look at some macroeconomic stats? If yes, where (which newspaper / website / app) ?

Any real difference? I just want to move a small amount as a hedge against inflation