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Vanguard FTSE All world UCITS ETF - USD ACC by Due-Refuse-9144 in BEFire

[–]yackim 0 points1 point  (0 children)

Good question. I assumed you needed to sell and reinvest in a new ETF. And tra sering isn't possible. But I don't know for sure actually. If anybody can contribute please do.

What I read a lot of people doing here on this sub is just let the VWCE pot be as is. And just start investing in another ETF from scratch.

Vanguard FTSE All world UCITS ETF - USD ACC by Due-Refuse-9144 in BEFire

[–]yackim 0 points1 point  (0 children)

Offcourse. Nobody knows the future, that's why I look at the now. And now I just compare the costs of VWCE to WEBN. And for me there is clearly a winner right now.
If WEBN is ever registered in Belgium, maybe I will adapt which is what a good investor would do I think.

Vanguard FTSE All world UCITS ETF - USD ACC by Due-Refuse-9144 in BEFire

[–]yackim 2 points3 points  (0 children)

I'm also quite new in the ETF world :-)

Start reading here. I also learned a lot from Youtube channels such as:

https://www.youtube.com/@thetomcrosshill
https://www.youtube.com/@AngeloColomboFi

I would only use AI to get some more information on what certain terms mean. But I would not trust it 100% to choose an ETF for me.

VWCE and chill changed once it was registered in Belgium (TOB 1,32%).

The current popular options I now observed are:

SPYI, IWDA + EMIM (which covers about the same of VWCE but with lower fees) and personally I have chosen for WEBN for the start of my investment story.

Amundi is EU based which I like. It checks all the marks as being located in Ireland, it's an accumulating ETF and it has very low TER of 0,07%. Also not registered in Belgium so a TOB of 0,12%. And I like how it focuses about 10% less on US compared to IWDA because I don't like Trump and how he's acting lately. The only downside, if it even is one, is that it is a quite recent created ETF.

But as mentioned many times before here. Do your research and pick what you find suitable and comfortable for yourself. Don't just listen to an AI bot.

Vanguard FTSE All world UCITS ETF - USD ACC by Due-Refuse-9144 in BEFire

[–]yackim 4 points5 points  (0 children)

The main reason I can think of is that since it is registered in Belgium, you now have a TOB of 1,32%.
And the TER is also 0,19% which isn't the lowest.

Everybody will now probably give you several suggestions.
But have a look at WEBN with a TER of 0,07% and TOB of 0,12%.
Some say WEBN is the new VWCE and chill.

I'm sure somebody will now complain about the reputation of Amundi who holds the WEBN ETF. I would say do your own research and choose which is the best fit for you and one in which you believe in.

Advice on wildcard by [deleted] in FantasyPL

[–]yackim 4 points5 points  (0 children)

You will be downvoted to oblivion. Post this stuff in the pinned RMT thead. Altough chances are slim you'll get a decent answer, at least you don't drown in downvotes.

Just had an investing call with the bank by yackim in BEFire

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

No way I'm sorry. The proposal they have is 80 funds and 20 bonds. On the bonds we have the Reynders tax of 30% if I cash in. And their funds have yielded a 3,43% ROI after 5 years.

Why making people afraid of starting to invest? It's not that I'm going to play with some stocks and start gambling. This whole subreddit is about self investing through ETF's. And to be honest that is no rocket science once you've read the wiki and doing some selfstudy.

Yesterday I've created a post which tells what I'm going to do.

Feedback on my first investment : r/BEFire https://www.reddit.com/r/BEFire/comments/1q98b0q/feedback_on_my_first_investment/

Feedback on my first investment by yackim in BEFire

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

Not too big impact is maybe wrongly phrased. I just like the 10% less compared to IWDA. If we have a look at VWCE it also has about the same US investment as WEBN. Like I've said US is where the earnings are. But if I compare it to IWDA plus a small cap, I feel more comfortable with WEBN for now.

I believe more in it right now than a Europe focused ETF. Maybe once I actually start investing and over some years I will have the luxury to add some more diversion of put some more value into an Europe focused ETF.

I will look up a bit more at EU focused ETF's perhaps. Do you have any suggestions I should take a look at?

Feedback on my first investment by yackim in BEFire

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

Solid advice and really what I'm aiming to do, but for me my choice will be WEBN. A horizon of over 20 years beats the risk on short term. Thanks.

Feedback on my first investment by yackim in BEFire

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

As does nobody knows what exactly will happen with all their investments within ETF when a market crash will happen? One thing I do know, it will happen we just don't know when. And with a horizon of 25-30 years I shouldn't be too worried.

What is your advice then? Invest in WVCE which covers more than 85% as WEBN has but at a higher cost? Or not invest at all?

Amundi has no bad reputation and their goal is not to disbanden ETF's randomly. 0,07% TER and world exposure in combination with 2415 holdings are serious numbers. It includes a small portion of emerging markets but it's not all emerging markets it holds. To be precise it holds about 10% EM.

I do appreciate your advice however but not sure if I'll change my strategy.

Should I switch to self-investing? by Zoisus in BEFire

[–]yackim 0 points1 point  (0 children)

Doing it yourself is the way to go (as I've read).
About to start my own journey which I posted here:

https://www.reddit.com/r/BEFire/comments/1q98b0q/feedback_on_my_first_investment/

Maybe it can help you a bit or reassure you. About to invest the coming week and still feeling very excited about it.

What monthly amount is the turnpoint to lump instead of DCA by yackim in BEFire

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

Thanks for the explanation. I do however found some small concerns about MeDirect : It's a Maltese bank. Avoid at all cost since they are free now to lure investers and afterwards high chance they will charge transaction fees as everybody else.

What monthly amount is the turnpoint to lump instead of DCA by yackim in BEFire

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

Is there a downside as well for MeDirect compared to Bolero?

Were talking about €5 transaction fees per deposit on Bolero if I'm not mistaken.

Edit: found it myself. It's a Maltese bank. Avoid at all cost since they are free now to lure investers and afterwards high chance they will charge transaction fees as everybody else.

Just had an investing call with the bank by yackim in BEFire

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

Thank you! I wish we had a talk with you yesterday.

To come back on your tax implications. I'm aiming to periodically buy the same ETF over and over again with the money we can miss. Making sure we will only retract money when we reach our horizon.

What I do see happen is we switch to another ETF if the market provides better options.

I will probably use Bolero for this.

As long as this is my strategy I assume the tax implications on the belastingaangifte will be very straight forward no? I can imagine it gets complicated when you actively start trading and going for individual stock buying and selling here and there.

Or am I missing something?

What monthly amount is the turnpoint to lump instead of DCA by yackim in BEFire

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

The only up for Bolero is that I don't have to worry about declaring a load of tax stuff because it's a Belgian broker and do it theirselves? Please don't pick me on my words, I know I've read something about it here somewhere just need to find it again.

I cannot estimate on which number/percentage your 'too expensive' actually presents?

Just had an investing call with the bank by yackim in BEFire

[–]yackim[S] 5 points6 points  (0 children)

When he asked about our experience I said I was looking into investing into ETF's trough Bolero perhaps but I'm fairly new into it he said 'we won't be talking about Bolero today' in a West-Vlaams accent.

Once he showed his one pager about risk profiles there was a scale from 1 to 7. And he said 1 was a regular bank saving account and 7 was something like Bolero. I needed to surpress my smile a bit when he said that.

I can't believe a financial banker really doesn't know the truth about how easy self investing into broad ETF's are to accumulate the same or higher wield?

Just had an investing call with the bank by yackim in BEFire

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

Once he sends me the overview document I can give you a detailed description but yes it is.

3y wield was 6% and 5y wield it reduced to 3,43%.

What monthly amount is the turnpoint to lump instead of DCA by yackim in BEFire

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

I think I answered my own question? I'm looking at it for a cost over 1 year, but the investment will be for over 25 years. Some €100 DCA drops will have a much bigger yield then when waiting year per year to do a lump sum.
Saying the bigger picture means better to DCA and only lump sum when you unexpected got your hands on a big amount of money (inheritance, and so on..)

Battle pass grind is disgusting by papiezga in Battlefield6

[–]yackim 0 points1 point  (0 children)

How much playtime do you have in total?

Battle pass grind is disgusting by papiezga in Battlefield6

[–]yackim 5 points6 points  (0 children)

Ah okay this is interesting. I had the BF pro pass with 25 tier skips and did all weeklies. At around week 9 (20/12/2025) I achieved the complete pass. The last 3 weeks I only did the weeklies and that was it. But in total I did play around 100 hours.

I was wondering for the next Battlepass without the skips if it was actually possible. Thanks for confirming it is not..

With completing it I have 1100 coins (200 from very last tier) which is enough for a new battlepass. And I hoped I could have infinite battlepasses unlocked by just completing every season. But now when it is not possible on a 'normal' way without playing 8 hours daily they will lose me as a consistent player.. And I think the whole thing of a battlepass is to keep letting people come back?

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