Degiro ETF Gebühren. Optionen?

[called2greatness]

Hallo

Bis Dezember 2023 habe ich den VWCE (IE00BK5BQT80) jeden Monat bei Degiro gekauft. Leider war es ab Dezember wegen KID nicht mehr möglich, diesen ETF weiter zu kaufen. Da ich weiterhin einen globalen ETF kaufen wollte, begann ich mit dem Kauf von EUNL (IE00B4L5Y983). Aber ich glaube, ich zahle zu hohe Gebühren und es wird wahrscheinlich bessere Optionen geben. Was ist Ihre Meinung?

Ich möchte nur in einen ETF investieren. Bisher habe ich nur in globale ETFs investiert, aber es könnte auch eine Option sein, einfach in SP500 zu investieren.

Ich werde einfach noch zwei Jahre in der Schweiz bleiben und dann endgültig in mein Land (Portugal) zurückkehren. Was ist die beste Kaufoption, um meine Gebührenverluste reduzieren und die potenziellen Gewinne eines Tages, den ich verkaufen möchte, zu erhöhen?

Und sollte ich die ETFs, die ich bereits habe, behalten oder verkaufen?

Dank im Voraus.

https://preview.redd.it/yon00htftqe...bp&s=bc2141fb6361e21999a6fc5a7f7021d5f0e43caf

 

[virtualhope]

@called2greatness IBRK is usually cheaper than Degiro, open an account with them would be my recommendation.

 

[qbanmom7070]

@virtualhope Degiro has a lot of free worldwide ETF, so OP could just pick one from the list. IBRK doesn't do cheaper than free, no reason to waste time making a new account at another broker in OP's situation.

 

[virtualhope]

@qbanmom7070 If it's free, you are usually the product or in this case worse spreads than at a for-fee broker.

Therefore I'm always suspicious of these "free" brokers/ETFs.

 

[qbanmom7070]

@virtualhope They have a free selection of ETFs to attract clients, a lot of brokers do it. Even IBRK does it https://www.interactivebrokers.com/en/trading/commission-free-etfs-mkt.php. So are you saying that you shouldn't trust IBRK because they are also offering free ETFs?

How would the spread be any different if you are trading on the same exchange in both cases?

It's a standard market practice to have a product that you don't make money on to attract clients, hoping that they would then pay for other products where you have better margins.

 

[virtualhope]

@qbanmom7070

So are you saying that you shouldn't trust IBRK because they are also offering free ETFs?

I say that I will not buy their free ETF and rather find a ETF that costs me something.

How would the spread be any different if you are trading on the same exchange in both cases?

https://www.wsj.com/articles/why-free-trading-on-robinhood-isnt-really-free-1541772001

It's a standard market practice to have a product that you don't make money on to attract clients,

Yes and it's a shitty practice! It's how Netflix started, how GamePass works etc. Give customers the honest price that is long-term viable for your business. We even have a law for that, but for some reason it isn't applied on the internet.

 

[kaytiedid]

@called2greatness I am replying in English.

I had the same issue and the solution was to create a second degiro account under the degiro.ie platform with the same personal information of course.

I now have 2 accounts and I can still invest into VWCE, IWDA etc via the second account.

 

[qbanmom7070]

@called2greatness They have a bunch of free ETF here https://www.degiro.ch/en/fees/etf-core-selection

For instance they have VWRL, which is the distributing version of VWCE. But the one you mentioned (IE00B4L5Y983) is also on this list so it's also free.

The AutoFX fee you see is because you bought it on XETA so you're paying for the CHF/EUR conversion. But if you buy one on SWX directly in CHF, and you won't pay any fee other than the fixed 2.83 CHF handling fee.

Make sure to pick the one in CHF in the list to avoid AutoFX fees:

https://imgur.com/Gn4QCrY

 

[called2greatness]

Vielen Dank für alle Antworten, die ich bisher erhalten habe.

Ich investiere erst seit einem halben Jahr...habe nur in Euro gekauft, weil ich vorhabe, bald nach Portugal zu gehen, und dort weiterhin in denselben ETF investiert. Oder lohnt es sich besser, in CHF kaufen und wenn ich die Schweiz verlasse, alles zu verkaufen und dann mit dem Geld wieder dort in Euro kaufen?

Welchen ETF empfehlen sie mir? Und was machen mit die ich bereits habe...verkaufen und ein in CHF kaufen?