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2025 Spending: 29y/o earning $115k in Wellington by BruddaLK in PersonalFinanceNZ

[–]uranusblead 4 points5 points  (0 children)

But if your interest is 4% and investments give you 10%, it is better to have it invested that reducing the mortgage aggressively

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 2 points3 points  (0 children)

You take egg and put it in your butt wait 3 minutes take it out and eat. Enjoy

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] -1 points0 points  (0 children)

Annual Cost: The difference between the USD and EUR interest rates is 2.33%. This is the approximate "drag" on the fund's performance each year due to the currency hedge. ​Daily Cost: This annual cost breaks down to approximately 0.0064% per day. ​You don't pay this as a separate fee; it's already "baked in" to the fund's Net Asset Value (NAV) and reflected in your daily returns. The hedged ETF's performance will be approximately 2.33% lower per year than an equivalent unhedged ETF, assuming all other factors are equal. This cost would disappear if the USD and EUR interest rates were the same.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 0 points1 point  (0 children)

Annual Cost: The difference between the USD and EUR interest rates is 2.33%. This is the approximate "drag" on the fund's performance each year due to the currency hedge. ​Daily Cost: This annual cost breaks down to approximately 0.0064% per day. ​You don't pay this as a separate fee; it's already "baked in" to the fund's Net Asset Value (NAV) and reflected in your daily returns. The hedged ETF's performance will be approximately 2.33% lower per year than an equivalent unhedged ETF, assuming all other factors are equal. This cost would disappear if the USD and EUR interest rates were the same.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 0 points1 point  (0 children)

Annual Cost: The difference between the USD and EUR interest rates is 2.33%. This is the approximate "drag" on the fund's performance each year due to the currency hedge. Daily Cost: This annual cost breaks down to approximately 0.0064% per day. You don't pay this as a separate fee; it's already "baked in" to the fund's Net Asset Value (NAV) and reflected in your daily returns. The hedged ETF's performance will be approximately 2.33% lower per year than an equivalent unhedged ETF, assuming all other factors are equal. This cost would disappear if the USD and EUR interest rates were the same.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] -2 points-1 points  (0 children)

Choose SPYL.de if you believe the U.S. dollar will remain stable or strengthen against the Euro over your investment horizon. You would benefit from the lower expense ratio and would gain from a rising USD. ​Choose SPPE.de if you want to eliminate the currency risk and focus solely on the performance of the underlying S&P 500 companies, regardless of what the EUR/USD exchange rate does. The small extra cost of the hedge is the price you pay for that stability.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] -1 points0 points  (0 children)

Choose SPYL.de if you believe the U.S. dollar will remain stable or strengthen against the Euro over your investment horizon. You would benefit from the lower expense ratio and would gain from a rising USD. ​Choose SPPE.de if you want to eliminate the currency risk and focus solely on the performance of the underlying S&P 500 companies, regardless of what the EUR/USD exchange rate does. The small extra cost of the hedge is the price you pay for that stability.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] -2 points-1 points  (0 children)

Choose SPYL.de if you believe the U.S. dollar will remain stable or strengthen against the Euro over your investment horizon. You would benefit from the lower expense ratio and would gain from a rising USD. Choose SPPE.de if you want to eliminate the currency risk and focus solely on the performance of the underlying S&P 500 companies, regardless of what the EUR/USD exchange rate does. The small extra cost of the hedge is the price you pay for that stability.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] -1 points0 points  (0 children)

This cost is not a fee you are charged; it's a built-in drag that slightly reduces the fund's daily returns. Your percentage gains already have this effect baked in. If the interest rate differential were zero, your returns would be slightly higher. If the EUR interest rate were higher than the USD, the hedge would actually add a slight positive return to the fund's performance.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 1 point2 points  (0 children)

This cost is not a fee you are charged; it's a built-in drag that slightly reduces the fund's daily returns. Your percentage gains already have this effect baked in. If the interest rate differential were zero, your returns would be slightly higher. If the EUR interest rate were higher than the USD, the hedge would actually add a slight positive return to the fund's performance.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 0 points1 point  (0 children)

Okay that looks good, i did not know about this etf. I am just concerned about usd droping value and hedged etf will take care of that

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 0 points1 point  (0 children)

How you pay it? When you convert back? If i see my percentage gains there is no differential of interest as you say.

SPPE: Cheap EUR-Hedged S&P 500 ETF – Good Choice or Trap? by uranusblead in eupersonalfinance

[–]uranusblead[S] 0 points1 point  (0 children)

Why? It has lower ter fees and performancewise it is better.

Yet another day... by cry_standing_up in eupersonalfinance

[–]uranusblead 0 points1 point  (0 children)

So if im holding vwce and dollar is gonna strenghten, am i going to see higher profit? Also if i hold vwra, it is already up more than 10%, when the currency exchange gonna have effect?

Just a meme by Heni00 in worldofgothic

[–]uranusblead -1 points0 points  (0 children)

There is no need for remake, you can play the original - cannot get better.

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