Need help with adjusting dollar-cost averaging strategy for VWCE

[pampermommy]

@snappy1 That's true.

r/-Ricardo from a comment above sent a great calculator that already takes that into consideration.

In addition, here's the explanation of the calculator from the author on the Money StackExchange.

 

[desgrieux]

@pampermommy FYI, VWCE is free on Degiro.

BTW paying fees 12 times a year could be seen as the price of smoothing your price.

There's no perfect answer but don't forget that while you try to not spend 1.25€, your money isn't in the market.

 

[pampermommy]

@desgrieux I'm based in Croatia, so I can't use Degiro.

Regarding not having money in the market, that's true, and hence my question is it a smart decision to postpone the investment?

 

[desgrieux]

@pampermommy Fees are paid one time, returns compound forever.

Let's say you buy 100€ per month for 30 years at a 6% return, you're at 100 450€, is it really important if you paid 450€ or 225 or 150 of fees (or 1500€ if you compound)?

 

[neverfly]

@pampermommy Good question and insights, thanks for posting.

 

[pampermommy]

@neverfly No problem.