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@ruzou You didn't get why I said that, did you? Should I draw it for you? I won't, no point explaining any further, have a good day!

@ruzou Maybe time to learn a few things then.

@ruzou 5Y VTI "destroyed" (are you 13?) IWQU. 10Y even more. Grow up. If that was your sole comparison, you clearly have no idea what you're talking about.

@ruzou 0.3% TER, lol, you must like wasting money.

@mog411 Stop trying to time the market. Whatever reasonable assumption for the future you as an amateur (don't take it as an offense) can make is already baked into the prices. VT and forget.