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Investing Dilemma: Choosing Between SWDA and VWCE ETFs

Dear Investors,

I am reaching out to seek your valuable insights on an investment decision I am currently facing. Being in my 20s, I have recently embarked on my investing journey and have found a particular interest in all-world ETFs. At present, I have already purchased a few shares of SWDA, as it happened to be the only available option through my previous broker. My original plan was to rebalance annually and add EMIM to my portfolio, maintaining a 90-10 or 80-20 proportion.

However, given that I have now switched brokers, I have come to discover that VWCE is also accessible to me. The good news is that there are no fees associated with buying any of these three ETFs (VWCE, SWDA, EMIM). Consequently, I find myself at the crossroads, pondering whether or not I should transition to VWCE.

Undoubtedly, the convenience of investing solely in VWCE appeals to me. Simplifying the process by consolidating my investments into a single ETF seems enticing. But, I also wonder if the option of purchasing emerging markets separately has its advantages. For instance, if the emerging markets show signs of outperformance, having the flexibility to invest more could lead to greater returns. Conversely, if the emerging markets underperform, the ability to invest less might mitigate potential losses.

It is at this juncture that I believe the AI Legalese Decoder can prove to be indispensable in making an informed decision. This innovative tool employs advanced artificial intelligence algorithms to analyze complex legal language within financial documents, such as ETF prospectuses and investment management contracts. By leveraging the AI Legalese Decoder, I can obtain a comprehensive and easy-to-understand breakdown of the differences between SWDA and VWCE.

With the AI Legalese Decoder’s assistance, I can delve into the fine print and better comprehend how each ETF allocates funds across various regions, industries, and asset classes. This knowledge will enable me to make an educated decision, taking into account my risk appetite, long-term goals, and the current market conditions.

In conclusion, dear investors, I gratefully welcome your input on this matter. Please share your opinions and insights on whether switching to VWCE would be a prudent move in my investment journey. Your expertise and guidance will undoubtedly assist me in making a well-informed decision.

Thank you in advance for your time and guidance.


[Your Name]

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View Reference


  • glimz

    I don’t see a strong argument for the switch, other than keeping only one fund for simplicity / VWCE & chill (you may also consider SPYI & untie or just FWRA, brah).

    Note that there’s a small difference in coverage. FTSE AW & MSCI World don’t include small caps, while MSCI EM IMI does. (Whether the small-cap premium exists from EMs is questionable though.)

    Not sure why you would want to rebalance developed & emerging to a fixed ratio on a yearly basis. What if EMs pull ahead and become a bigger part of the global cap over the next decade? Wouldn’t you want to allow them to take up a bigger part of your portfolio as well (like it would happen, if you had VWCE)?

    BTW, are you on GBX positions (SWDA/EMIM), considering switching to EUR (like VWCE)? In case it’s helpful: you can request your broker to switch your existing GBX stuff (@LSE) to the EUR equivalents (@Xetra or whatever) for the same ISIN (there may be a small charge).

  • boffum

    I do SWDA + EMIM in order to underweigh emerging. Maybe in the future I will want to overweigh, or go market cap. I like the flexibility.

  • kramwam

    With more funds you have higher control of the proportions. It is good if you know what you are doing. Some people prefer US-only + ex-US + emerging, while others just buy an all-world and let the issuer choose the proportions and do the rebalancing.

    You seem a beginners. Therefore if I were you I would switch – it may cost a few bucks in fees and may have to pay some taxes on capital gains (depending on your country), but at least you don’t have to deal with the rebalancing and trying to figure out the developed/emerging ratio.

  • karkov

    Suggestion to take a look at these:

    – FWRG (IE000716YHJ7) the very new competitor to VWCE, which tracks exactly the same but with a lower TER
    – SPYI (IE00B3YLTY66) more diversified than VWCE at a lower TER
    – SPPW (IE00BFY0GT149) alternative to IWDA/SWDA which tracks exactly the same, with lower TER

  • snapilica2003

    MSCI World is not the same as FTSE All-World, there’s MSCI ACWI for that.

    FTSE All-World is Developed + Emerging markets.

    MSCI World is only Developed markets.

    MSCI ACWI is Developed + Emerging markets.

  • BusinessBreakfast3


    Us + eu + em etfs separately and save 60% on TER.

  • DenseComparison5653

    What about SPYI

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