TER

_hiddenscout

Some of the names have been wild. Crazy to see like TER go from 70 to 220. One thing that is really great about COHR is the CEO. Jim Anderson is really great and did a great job of turning around lattice semi.

BrobaFett_1

$APH is a good one. $TER? $PDYN?

Round_Sample7249

Hi all, I’m in Europe and building a simple long-term (10–20 years) monthly ETF portfolio focused on growth. I want broad exposure, low fees, and minimal overlap. Plan (monthly): • VUAA (S&P 500) €300 • EXUS (MSCI World ex USA) €200 • IS3N (MSCI EM IMI) €50 Total €550/month. Reasoning: • I originally considered VUAA + MSCI World + EM, but MSCI World already has a big US weight, so adding VUAA felt like double-counting and becoming too US-heavy by accident. • With VUAA + World ex-US + EM, it’s closer to “global” but with a deliberate US tilt. Questions: 1. Does this allocation make sense, or is there a cleaner way to do the same thing? 2. Any hidden overlap or gaps I’m missing (regions, sectors, small caps, etc.)? 3. Would you adjust the weights (US vs ex-US vs EM), and why? 4. Any better EU-listed ETF tickers for these exposures (similar index, lower TER, better liquidity)? Appreciate any critique, especially from people who’ve run similar setups

Round_Sample7249

Hi all, I’m in Europe and building a simple long-term (10–20 years) monthly ETF portfolio focused on growth. I want broad exposure, low fees, and minimal overlap. Plan (monthly): • VUAA (S&P 500) €300 • EXUS (MSCI World ex USA) €200 • IS3N (MSCI EM IMI) €50 Total €550/month. Reasoning: • I originally considered VUAA + MSCI World + EM, but MSCI World already has a big US weight, so adding VUAA felt like double-counting and becoming too US-heavy by accident. • With VUAA + World ex-US + EM, it’s closer to “global” but with a deliberate US tilt. Questions: 1. Does this allocation make sense, or is there a cleaner way to do the same thing? 2. Any hidden overlap or gaps I’m missing (regions, sectors, small caps, etc.)? 3. Would you adjust the weights (US vs ex-US vs EM), and why? 4. Any better EU-listed ETF tickers for these exposures (similar index, lower TER, better liquidity)? Appreciate any critique, especially from people who’ve run similar setups

Decibel0753

After all, on Yahoo, right above the fund name, it says "LSE" :D Otherwise, IMHO, SPYL is a better choice. Significantly lower price per share (€14.7), TER 0.03%.

Decibel0753

1) SPYL from SPDR is better. It has a lower price per share (EUR 14.5), so you can buy it whenever you have EUR 14.5, and it has an unbeatably low TER of 0.03%. It is, of course, an accumulation fund with physical replication of the underlying assets and

Historical-Relief-91

TER. huge beneficiary of AI + robotics theme that is emerging

RaggaDruida

All of them are market cap based ETFs, by keeping them separate you're just increasing your workload in having to keep them balanced semi-optimally. A world ETF would self balance, probably have a lower TER and even give you more diversification (Japan, Canada, Australia, etc) and diversification is just like, free optimisation. I would recommend Amundi Prime All Country World, but there are other good options like Vanguard FTSE All-World, SPDR MSCI All Country World Investable Market and Invesco FTSE All-World.

Sunsetsione

Yes I am in TER aswell and it broke ou recently from a nice base, good relative strength as well. To me it looks like it has just started.

Effective-Click2415

Do y'all have a moment to talk about our lord and saviour TER?

fantomette74

🐂 BASE PLAN — When the bull market continues 1️⃣ Core strategy 70–90% ETFs (depending on risk) Broad ETF (ex: MSCI World / All-World) Low TER (≤ 0.30% if possible). Ben mark regularly your banks (i use excel and macros) and eventually transfer your portfolio. DCA 2️⃣ Small protection while market is high Even in a bull market, prepare quietly: Keep 10–20% cash (I have more as I smell a crash and wait for real estate bingo). Keep enough to feel safe against live accident (health car ..). Don’t go 100% invested No leverage No “all-in” on hype assets This cash is not fear money, it’s opportunity money. ⚠️ CRASH PLAN — (-10%, -20%, panic) 🧠 Rule #1 (MOST IMPORTANT) ❌ Do NOT sell in panic Unless: you need the money soon (see above should not happen if you have enough in cash for the rest of bad events) or your original plan was wrong Markets fall fast → recover slower → then explode up again. 3️⃣ Step-by-step crash response Think in levels, not emotions: 🔻 Drop −10% (normal correction) Do nothing Continue DCA Stay calm (this happens often) 🔻 Drop −20% (bear market) Start using cash slowly Example: invest 25% of your cash Stick to broad ETFs only 🔻 Drop −30% or more (panic zone) Deploy remaining cash in parts Never all at once Focus on: World / S&P 500 Not speculative stuff 4️⃣ Emergency rules (write these down) ✔ Invest more when fear is high ❌ Never try to “catch the exact bottom” ✔ Time in the market > timing the market ❌ Don’t check prices every hour 🧯 PERSONAL SAFETY NET (very important) Before everything: Emergency fund (cash, untouchable) No investing money you need in <3–5 years Sleep well → good decisions come from calm minds. If you feel panicing , take your running shoes and run in Mountain. Or anything that would unfocus your brain from the panic (I am french so plenty of ideas ...) 🧾 SIMPLE SUMMARY Bull market: DCA ETFs Low fees Chill Crash: Don’t sell Buy in steps Use cash slowly Trust the plan (PRIVATE Banker/IT ingineer here)

Acedel

TER Teradyne

Special_Phone8169

If you like $PATH, you’ll love $SYM $TER $OUST $AEVA. Could all run hard on the 2026 robotics theme

nashguitar1

TER When robotics takes off, you’ll enjoy owning this one.

CMB3672

You forgot Teradyne (TER)

Euso36

Yup TER for Teradyne I've been holding them for a while. Recently started to leg up but think there's a lot of room for growth. Leaders in Cobots

AdeptnessPlus6860

I worked in Nvda they use TER machines for ICT testing. Also ter bought universal robots back in 2017

Nam_Jhi

I’ve been watching TER and SYM on dips 

Lazy-Departure-5291

I’m going ISRG and TER

CalTechie-55

The way I pick tickers is: I have BarChart email me a list of tickers with weekly option where 100% of its technicals (MA crossovers) are signaling 'Buy'. Then on the weekend, I construct a quality factor 'Q' for each one: the bid for the nearest weekly put divided by its strike * 52, giving the maximum annualized return for selling that put. I select the 5 or 6 top payers, and sell enough weekly contracts on Monday to bring in my desired weekly credit. If a put gets too far ITM I may roll down & out during the week. Otherwise, I don't sweat assignments, since in these 100%Buy stocks, I can usually depend on making a profit on the call. This week I picked AG,APP,FN,LABU,TER, & WDC. Q's ranged from 113% to 206%. I haven't kept track of profits, but a 5 year backtest of weekly ATM SPY wheels was profitable every year.

Difficult-Divide8236

I was in a whatsapp group that did this for “crypto futures”. I almost fell for it thinking what’s 500-1000$ to try it, but I didn’t. They had you download some obscure crypto trading app, put money in, watch it go up, pull some out and then get you to put in more, but then you can’t get it out. At least this is what I read about it. I never put money in it. The app was called TER and the group was called KC Dolan Investment Team. Got the link from Instagram. I think IG knows this stuff is fake and scams but they don’t care. They get paid. This is why people won’t trust Meta, I think. Betting on anything Meta does over like Apple or Google is a mistake. I have Meta stock but I trust Apple and Google much more and believe they will do much better, in the long run.

Street-Reading7610

Thoughts on my Robotics stock picks? $TER $AVAV $RR $ISRG $TSLA $AMZN $SYM $PRCT $PATH $BGM

croissant_and_cafe

My best plays this year were APP MDGL and TER, not AI or GLP

TheInkDon1

Hi, I'm TheInkDon1, but I don't recall (or see, looking back) telling you to sell the 145C just to turn around and buy another one at 195. Are you still long the TER 16Jan145C? Either way, let me use that exact option to break it down for you. That guy is at 94-delta here AH on Thursday, so it's pretty deep ITM. How deep? Subtract its strike of 145 from TER's price (spot) of 198.63: 198.63 - 145 = **53.63** That's that option's **intrinsic** value. But what is it worth in the marketplace? In other words, what value do people perceive in owning that contract that would let them buy TER at 145 any time before January 16th? At Midpoint (simple average of Bid and Ask prices), it's selling for **55.65.** That's more than the 53.63 'real' value, isn't it? How much more? 55.65 - 53.63 = 2.02 That's that option's **extrinsic** value. That's the time/hope/what-if value of that contract that gives you the right to buy TER at 145. So here's the thing with **exercising**: If you were to tell your broker that you want to trade that contract in and buy shares at 145, he'll do that for you. ***But you'll lose all that imaginary/not-real/extrinsic value.*** And then it gets a bit complicated, but the 53.63 per share of intrinsic/real value will be applied toward the 145 cost of shares that the contract entitles you to buy. You'd add this much cash to do that: 145 - 53.23 = 91.77 x 100 = $9,177 Then you'll own 100 shares of TER at a Cost Basis of 145. Sort of. Because it matters when you bought the Call, and how much of its intrinsic value was cash you put into it, and how much was appreciation. So yeah, you sort of bought TER "at a discount" price of 145, but the 53.23 per share that was locked inside the contract went toward the purchase price. It's a bit hard to explain like this, and I could do it better in person, but read the book, I think Prof. Olmstead goes through all that. Take care.

croissant_and_cafe

My biggest gainers this year were TER, HOOD, and APP. I bought big in March / April and they’ve tripled.

wrongrobertpatrick

Could’ve been SYM of TER but nooooo it was IRBT 😑

ddlJunky

Same as with every global operating company. Does the majority suggest S&P instead of All World because of a little smaller TER?

VlaaiIsSuperieur

Its quite difficult what though and those products aren't wildly avaiable (yet) with an acceptable TER. Personally I'd like to go for a capped world index where a stock can't have more than a certain %. I do know that there are equal weight options too.

Jerikolol

afaik theyre selling options. calls/puts or whatever depending on the market. so ur basically paying TER for someone to do that for you. I think thats the business model. and yeah, since the dividends are so high, it eats at the underlying. In theory the loss should be less than the div return, so ur net total returns is still positive, but if the market is shitting itself, idk anything can happen. Not 100% sure of any of this btw.

itsyoboyeden

FSLR, TER, PRY (Prysmian SpA), and GEV

ivobrick

Majority of clients in europe pay 2% ( TER + transaction + management ). Entry fee up to 5% is norm. Retirement "funds" - similar to roth cost 2.4%. Most people got presented it only costs " few percent " - by so called managers, when in reality they only copy index ( etf ) in the best case or internal actively managed funds ( bank). People just dont know/dont use investment calc to visualize portfolio drag - or justify/question high cost.

Papaias_

I never heard about it, curious. I will check it, but on a first looking 0,52% TER is something, but in the other hand they are less weighted to mega caps and US overall

ShadowBannedAugustus

I have a day off today and did some research again and came to the conclusion that it does not really matter if you are considering SP 500, all similar indices are heavily correlated, so you are basically picking your volatility (NASDAQ100 will have higher ups and downs, MSCI World lower). So pick your risk appetite (usually longer term investors -> more appetite) and then just find the ETF with lowest TER.

Weary-Midnight-9713

Just take the meta money and use it to buy more NVDA and some CLS or TER and you’re good

StrawberryOk8459

BE and TER treating me right this morning

Hopeful_Invite_8275

Everyone taking about V, nobody played TER with me? Lol

StocksStormTrooper

Dang TER is killing it

StocksStormTrooper

Dang TER is killing it

CamelotCosmos

For all the implied moves followers, these are at over a 10% implied move: Tuesday- BE, TTI, CWH, TER, ENPH, NGD, MIR Wednesday- AVTR, OPFI, EAT

CustardBig5989

Update: Vanguard TER is dropped to 0.19% on 7th of October [https://www.vanguardinvestor.co.uk/articles/latest-thoughts/investing-success/lowering-fees-on-another-six-etfs](https://www.vanguardinvestor.co.uk/articles/latest-thoughts/investing-success/lowering-fees-on-another-six-etfs)

StrawberryOk8459

I didn't see this post but found it searching for others in SanDisk. Wondering what your projections are for earnings. I have 2- 50 calls expire Dec. My gut says sell one and buy out the other. Basically take the money and run into something else. My brain says buy them both and hold this forever. We know the run lately has been explosive. If earnings don't impress we will have a set back. However, it seems the market makers are in love with it. All of my other stocks have ran hard but not this hard. MU, CRDO, RMBS,PSTG, NVT, TER, VRT. My initial strategy was buy 2 calls if they run hard sell one call buy the other with the profits. Yes, it has worked out quite well. Just wondering what you think?

lukas7711

Low TER index based ETFs

Usecoder

The single stock that occupies the largest position is Berkshire Hathaway, the most solid of the top 500 in the USA. Inside we find Apple, Coca Cola, American Express, Bank of America etc etc. It's like an investment fund that has no management costs and no TER that systematically beats the S&P500. It has been listed since around 1960.

SalveSalvinoo

Best ETF to invest nowadays, I live in Switzerland , low TER possibly.

SalveSalvinoo

Best ETF to invest nowadays, I live in Switzerland , low TER possibly.

Open-Fieldbook

# Market Summary[](http://localhost:8501/chat#market-summary) * European cyclicals continue their policy-driven surge, with German defense spending and fiscal expansion supporting banks and industrials through **20% Q2 earnings growth** in select sectors. * ETF flows remain robust globally, approaching $1 trillion in 2025, with international equity ETFs capturing $81 billion as European and emerging markets demonstrate relative strength. * Semiconductor equipment demand remains structurally sound despite cyclical volatility, with **$ASML's High NA EUV technology** enabling the next generation of AI and high-performance computing chips for customers like Intel, TSMC, and Samsung. # Your Portfolio Impact[](http://localhost:8501/chat#your-portfolio-impact) **What this means for your portfolio:** Your 50% allocation to $VWCE provides excellent core exposure to this environment, capturing both European cyclical strength and semiconductor leadership through diversified global equity exposure. Your 15% individual stock allocation—particularly **$ASML**—positions you directly in a company with an **unassailable technology moat** and 40-50% ROE, while $SHELL and **$NN** (NN Group) offer Dutch exposure with different risk profiles. The 5% Bitcoin allocation benefits from growing institutional adoption via spot ETFs, though crypto remains your highest-volatility component. # Performance Attribution[](http://localhost:8501/chat#performance-attribution) **Your small-cap tilt (20% $IUSN) is strategically sound** at your age and time horizon, despite the 0.35% TER. Small-cap premiums materialize over decades, not quarters, and the additional 0.25% cost versus $VWCE is **justified by the long-term return potential** for a 20-year-old investor. This allocation captures companies before they become large-cap index constituents. **Your emerging markets question reveals sophistication:** $EMIM's "IMI" designation (Investable Market Index) includes small and mid-caps alongside large-caps, providing **broader EM exposure than standard indices**. This structural advantage outweighs minor TER differences versus alternatives like EUNM or VFEM, particularly given your existing small-cap tilt in developed markets. # Portfolio Considerations[](http://localhost:8501/chat#portfolio-considerations) **Your 15% individual stock allocation is appropriate—not excessive—at age 20.** $ASML's 25-30% net profit margins, minimal debt (0.2-0.3 debt-to-equity), and **monopoly position in EUV lithography** justify its premium 40-45 P/E valuation. The company's $400 million High NA machines represent decade-long competitive advantages that competitors cannot replicate quickly. **However, concentration risk warrants attention:** Three Dutch stocks create geographic and currency clustering. Consider whether $SHELL's energy exposure and **$NN's financial services positioning** genuinely diversify your thesis, or whether they simply reflect home-country bias. Your ETF allocations already provide Dutch exposure through $VWCE. **The crypto allocation at 5% is defensible** given your age and risk capacity, though Bitcoin's volatility will dominate your portfolio's short-term fluctuations. If this allocation grows beyond 7-8% through appreciation, consider rebalancing to maintain your intended risk profile. \- Open Fieldbook Intelligence Team

Fapados

VWCE is diversified when it comes to equities, but you could diversify further with different asset classes. Bonds are the most common choice for that. Pick a bond ETF you like from [here](https://www.justetf.com/en/search.html?search=ETFS&resetPage=true&assetClass=class-bonds). [Global aggregate bonds](https://www.justetf.com/en/search.html?search=ETFS&assetClass=class-bonds&region=World&bondType=Aggregate) are the most diversified (for example, [EUNA](https://www.justetf.com/en/etf-profile.html?isin=IE00BDBRDM35)), but you could pick [European government bonds](https://www.justetf.com/en/search.html?search=ETFS&assetClass=class-bonds&region=Europe&bondType=Government) or [US treasury bonds](https://www.justetf.com/en/search.html?search=ETFS&assetClass=class-bonds&country=US&bondType=Government) as well. Just watch out for TER, preferably pick something below 0.10% if possible. As for gold, in my opinion it's more of a hedging tool rather than a long-term investment. Unlike stocks and bonds, it has no cash flow. It's a purely speculative asset. The price usually tends to represent uncertainty. When investors are uncertain about the market or the economy, they resort to gold. I personally wouldn't hold gold long-term, and neither would I buy gold at ATH. The time to buy gold was at the beginning of the year, when this whole shitshow began. Crypto is a purely speculative asset as well. Bitcoin and Ethereum are at ATH. I don't think this is a good time to buy. If there's a bigger dip or a crash, it may be a good buying opportunity. But who knows, maybe it will go higher, maybe not. Nevertheless, I wouldn't allocate more than 10-15% of my portfolio to crypto. Commodities (oil, gas, agriculture etc.) are another asset class that some people use for diversification, but I personally wouldn't invest in it, as I find it too risky. Just stick to VWCE and a bond ETF. The allocation ratio is up to you, whether it's 90/10, 80/20, 60/40 etc. The closer you are to retirement, the higher your bond allocation should be.

Mediocre-Brain9051

Wallets are unsafe. Physical safety is a thing. They are not twice as expensive: IBIT's TER is at 0.25%/year and most brokers will offer lower total transaction costs than any crypto exchange.

Recent_Register_2952

TER pumping my retirement baby💪

MarthaStewart__

I'm talking about the kinds of robots that actually move around, not the stationary arms you already see on manufacturing lines. I haven't bought any robotics stocks yet, but I've been looking at Richtech Robotics ($RR). It's been popping off recently, but also volatile as hell (take a look at the chart). Symbiotic ($SYM) a little less volatile, but still speculative. Teradyne ($TER). And last but not least, Tesla (I know, Elon Musk etc...), but they are ahead of the game with their Optimus robots that they will surely continue improve. They have the infrastructure and money to produce these things and keep making them better.

TechnicalStretch5426

global titans 50 costs TER 0,51 in germany and there is no S&P Global 100 ETF here :-(

Comfortable-Pop-3463

The main cost of hedging for a European investor is the difference between the $ and € short term rate (to make it simple). Not the difference in swap or TER fees.

scottie6384

Of course if you’re bullish on the sector, you could easily put together a sector basket of shares in KLAC, ASML, AMAT, LRCX, TER. Easy peasy.

O_Hello_There_MR

Hey everyone, I’m 20, live in the Netherlands, and just getting serious about long-term investing. I’d love your thoughts on my portfolio and whether I should tweak anything. Here’s what I’m currently planning to build: * 50% Vanguard FTSE All-World UCITS ETF (Acc) – VWCE * 20% iShares MSCI World Small Cap UCITS ETF (Acc) – IUSN * 10% iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) – EMIM * 15% Individual Stocks (currently ASML, NN Group, Shell) * 5% Crypto (100% BTC for now) What I like: Global diversification (All-World + Small Caps + EM). Accumulating ETFs. Still some room for fun/stock-picking. My doubts: * IUSN has a “high” TER (0.35%) compared to VWCE. Is it worth keeping such a big chunk in small caps? * Emerging markets: should I stick with EMIM or use something like EUNM / VFEM instead? * Individual stocks at 15%: too risky or fine at my age?

Educational_stuff99

Hi I would love some feedback on my portfolio approach, I am not new to investing but never gone full on persistant monthly contributed thought out approach for long term and its about time its starting to feel late. I was focused on being debt free and "comfortable" and got no kids at the moment, but to late see that I should have been investing earlier but as we often say better late than never. I am based in UK, Age 40, I am aware its a high risk agressive portfolio but it is over 20-25 years period where I expect to weather out deep dips which i look at as buying opportunity rather than fear so I welcome some deep dips given the long horizon I am going for, I should be able to weather the storms and capture cyclycal geographic changes whit this balance. and bet a bit on future of technology as is the trend really but I am almost hoping for it to burst soon and recover over long term hence the long horizon view. Stocks and shares ISA is possibly maxed yearly and if not will try to keep with inflation, you never really know what future beholds in personal life so keeping it consistant might or might not happen, pension ramps with salary over time and should regional tilt over time. balancing a bit. regarding rebalance as it is a bit more complicated split, I primarily will be rebalancing ISA through new contributions. pension review yearly. I will be using a dashboard with automatic drift alerts and contribution-based rebalancing, this is automatically calculated for me making what is seemingly a bit complicated split to keep up easy. generally its set and forget which is really the only way to do this high time horizon. Rebalance alerts come up in which exact numbers to contribute are given that month if it has drifted. I just input the new balances quarterly for calculations done for me etc. ISA 70% of total contribution at start and is more constant 40% VUAG -S&P 500 45% EQGB -NASDAQ-100 GBP-hedged 5% ISPY - Cybersecurity 10% VWRP - FTSE All-World PENSION 30% of total contribution at start (will tilt the geography/percentage as salary increases over time) 40% Asia Pacific ex-Japan 35% Emerging Markets 15% UK Smaller Companies 10% Global Equity some of the costs are these. it is high risk high reward starting approach over first decade so im not overly worried at some of the higher fees, or maybe I should be. not sure. - ISA: VUAG 0.7%, EQGB 0.35% ongoing, ISPY is on higher end 0.69% OCF/TER, VWRP 0.22% ongoing - Pension: Asia pacifix x Japan 0.20"% TER, Emerging markets 0.838% yearly, UK Smaller companies 0.980% yearly, Global Eequity 0.10% yearly I am basically tilting ISA heavier into US but global diversification via VWRP + EM/Asia pacific/ uk smaller companies. I have attatched a combined split of this preferred portfolio for better overview and more details,, which helped me see better how my diversification is panning out across the multible funds, it is hard to get it absolutely accurate and managed funds do change but its an general overview for now. thanks for reading, appreciate any insights. and apology If I have done anything wrong as I am new to using reddit https://i.imgur.com/yXmdo4x.jpeg

tra91c

$KNEE bruises from $DUMP $TER $ORAL ?

No-Consequence-8768

# Top holdings Top 10 holdingsAS OF Jul-31-202564.44%of 32 totalSymbolCompany NamePercentage[KTOS](javascript:void(0))Kratos Defense & Security Solutions Inc10.23%[RKLB](javascript:void(0))Rocket Lab Corp9.37%[AVAV](javascript:void(0))AeroVironment Inc7.52%[IRDM](javascript:void(0))Iridium Communications Inc6.52%[ACHR](javascript:void(0))Archer Aviation Inc Class A6.16%[PLTR](javascript:void(0))Palantir Technologies Inc Ordinary Shares - Class A5.39%[LHX](javascript:void(0))L3Harris Technologies Inc5.03%[TER](javascript:void(0))Teradyne Inc5.02%[TRMB](javascript:void(0))Trimble Inc4.96%[JOBY](javascript:void(0))Joby Aviation Inc4.24%

perceptive_AI

Some transwoman can look like this [this ](https://www.reddit.com/r/F1NN5TER/comments/1marsrz/we_can_always_tell_how/)and you wouldn't be able to tell until she pulls down her skirt.

TradeWithABear

The best advice would probably be to go for rather diversified stocks etf…if you want some world exposure go for MSCI world (70% USA), if you also want to include emerging markets you can also go for MSCI ACWI (60% USA). If you want to just have USA - as others have mentioned just go for an S&P 500 ETF Also check TER (totals yearly costs) and personally I would recommend one with physical replication and not swap based. Also you can choose between accumulating and distributing. As you probably want your returns to compound, in your case an accumlating one makes sense. Most important: just start doing it! You are super early in your life and will be thankful later.

Cash_Flow_Yield

Doesn't really matter. You want to minimize expense ratio and bid-ask spread when you buy and minimize tracking error. But the funds are so close that the difference long term is going to be insignificant. I would probably go with the Vanguard one as it has more AUM, the bid-ask is likely to be lower and the TER will probably drop soon to a more competitive one.

gigio123456789

So okay I’m on board with the all worlds. I’ve got a shortlist of ETFs whose TER is low and whose tracking difference may even be negative. Now really what do I go for? Developed world markets large and mid-sized caps? Do I need want small caps also? Do I want all that plus emerging markets? Or only DM + EM large and mid-sized? What’s the answer here everyone?

IWantAGamingChair

Hit big 4/6 last week: RDDT, SOFI, RKT & TER. So far I’m in on: AMD, HIMS, RKLB, & OPEN Have shares for HIMS and calls for the rest Thinking about getting calls for PLTR on Monday

infonate

$WING Wingstop: +26.85% $FTAI FTAI Aviation: +26.56% $PIII P3 Health Partners: +25.86% $GNRC Generac: +19.61% $TER Teradyne: +18.88% $PTON Peloton Interactive: +18.77% $MCRB Seres Therapeutics: +18.52%

Aggressive_Web_8463

Agree, TER, LRCX, both up after earnings

IngenuitySpare

I did! Sold my stagnant APPL stock for TER around 90 bucks! I'm very happy right now. :)

jeffrr

Ah yes, the TER option in my watchlist that is up 400%. Inverse yourself, always

bullishchilipepper10

!banbet TER 120.00 1w

ThinkingOfTheOldDays

knew TER was going to rip, fuck my paper hands

sadlittlewaffle

Anyone else buy MARA and TER calls but SBUX puts…? If pre market stays the same will be about break even. Dammit SBUX

sadlittlewaffle

I don’t even remember buying calls for TER but thank FUCK I did 🙏

rando9999912

Glad I forced an AH order through on TER for $90.90 💰

sadlittlewaffle

TER calls carrying my port thank the god. SBUX puts pegged me in a bad way

Kris_Mettew

Both options are solid, it really comes down to whether you value simplicity or optimization. AVWS gives you ease of use, broad diversification with a US tilt, and higher liquidity, but you pay a bit more in TER and accept active management risk. The ZPRV + ZPRX combo is cheaper, offers a cleaner US/EU balance and currency diversification, but adds complexity with two ETFs to manage and lower liquidity. If this is just a small satellite in your portfolio and you want it truly hands‑off, AVWS is fine. If you’re disciplined and don’t mind slightly more moving parts, ZPRV + ZPRX squeezes out a bit more efficiency.

TennysonsArthur

Will TER pull a TXN move?

sadlittlewaffle

What do we think about TER? Hoping they have good earnings since they been supplying robotic arms for Amazon warehouses. Bought some calls

Nice_Introduction985

Bought TER shares what’s your opinion

Rocketiger

Been tracking TER for a while. My takeaways. Mature company that is trying to pivot into a new high growth segment. Robotics is a very small part of overall financials. So the semiconductor testing portion alter a the true robotics portion financially and perception. Market seems to question why the pivot into robotics and it is the right move for the company or a far fetch reach by the ceo.

killua_jajanken

Thank you very much everyone - after careful considerations I've decided to invest 15 k in meme stocks and meme stock calls; predominantly OPEN KSS and DNUT. To remain diversified (lol) I'll invest the rest in passive, low TER index funds

PaperHands_BKbd

I think the Amazon deal was announced as about $400M over an undefined timeframe. TER runs about $3B a year in revenue. So it's a big deal, but not a company maker or anything. And it sounds like it could be $400M spread over years. If you liked them before the deal, then it makes sense to see it as an increase (and analysts bumped their price targets)... but it's not some small startup getting a deal with Amazon to grow. Robotics is part of their business, but this is a largish industrial company with a couple recent years of shrinking revenues and a P/E around 25. You may not be missing anything and this could be a good value, but stable industrials generally have to show the results in earnings. So you may get your pop this week if earnings come through.

catastronot

Some H8TER (a fidelity FA) was laughing when I said I’m up 30% on the 1YR, so i put my cock on the phone

martin-life-learner

This involves buying an ETF that holds a basket of short-term (0-1 year) government bonds from the highest-rated Eurozone countries. This is the most direct equivalent to `$SGOV` in terms of diversification across high-quality issuers. A top choice that is widely available is: * [iShares € Govt Bond 0-1yr UCITS ETF (Acc)](https://www.justetf.com/en/etf-profile.html?isin=IE00B3FH7618) * **Ticker examples:** `IBGZ` (XETRA), `IE00` (Euronext Amsterdam) * **ISIN:** `IE00B3FH7618` This ETF holds bonds from countries like Germany, France, and the Netherlands. Its yield will very closely track the key ECB interest rates (like the deposit facility rate), minus its small expense ratio (TER). It's an excellent place to park Euros to earn the current short-term "risk-free" rate.

RazerLogic

I'm choosing between CSPX and SPYL. However, I've recently learned about tracking difference which shows actual returns including the TER and other internal costs like cash drag, securities lending, etc (which the TER doesn't show). I've been getting mixed data. If I use the tradingview comparing these two, they look similar. If I use Claude AI to help me search, CSPX shows better tracking difference despite the higher TER. **What is the best way to check the tracking difference of an ETF? Any specific site or calculation?**

Sussy_1234

iShares TER 0,20% Vanguard TER 0,22%

careyectr

Large UCITS funds offer currency-hedged versions (e.g., iShares S&P 500 EUR-Hedged, Vanguard FTSE All-World EUR-Hedged). Inside the ETF the manager rolls monthly forwards so you don’t have to. TER is typically 15–25 bp higher than the unhedged version, and tracking error can widen in stress, but it removes most day-to-day FX noise.

_hiddenscout

TER is a cool company, but I would be a little careful with it being a full robotics play. They are still primarly a testing company more than anything else. This is from their last earnings report: [https://ir-api.eqs.com/media/document/ff9f1477-2310-462d-a227-407e97983474/assets/EC\_Q125\_Slides\_FINAL.pdf?disposition=inline](https://ir-api.eqs.com/media/document/ff9f1477-2310-462d-a227-407e97983474/assets/EC_Q125_Slides_FINAL.pdf?disposition=inline) On Page 8, they did 534M in test, 69M in robotics, and 74M in product test. Even the Robotics line of business was down. >Sales down 30% QoQ and down 21% from Q1’24 I still think they are a solid company and their valuation is pretty solid here, but they are still more in testing than robotics. I post more in the daily, but my favorite play for the sector is still APH. They do more connectors, but still used the field. Plus you get exposure to other industries. ABB is about to spin out robotics sector, which can be really interesting. [https://new.abb.com/news/detail/125281/abb-plans-to-spin-off-its-robotics-division-as-a-separately-listed-company](https://new.abb.com/news/detail/125281/abb-plans-to-spin-off-its-robotics-division-as-a-separately-listed-company)

ardme

One stock related to this theme is Teradyne (TER) which fully owns "Universal Robotics", which is a supplier to a lot of large retailers with warehouses. Here is what AI models think about TER. [https://www.hallucinationyield.com/stocks/TER/](https://www.hallucinationyield.com/stocks/TER/)

JoeBucksSafeWord

TER filling that gap so nicely. That’s what she said.

JoeBucksSafeWord

TER - AI/Semiconductor/Robotics company ripping nicely today. Earnings should smash later this month.

_hiddenscout

Totally, they are my robotics play. I mean TER isn't a bad play as well, they do robotic arms and valuation isn't the worst. I also owned BELFB in the past as well, same experience.

wollywink

Thanks I'll pay you 0.2% TER

haze_from_deadlock

Anyone bagholding TER? If they are shit, what is a better robot company outside of pre-IPO Anduril

fabiofigo2025

In my opinion, the best strategy for the long term is to ignore the fluctuations, particularly when it comes to EUR/USD. In the long term, the variation will be negligible vs the growth of the underlying asset. An alternative is to buy a (more expensive) currency hedged ETF; the TER is higher but it might give you peace of mind, which is also valuable. The worst strategy is to try to do in and out based on speculation on the fx rates; time in the market beats timing the market. Trying to time not only the growth of the asset but also the fx impact is pure speculation, you might be lucky of course but under a purely probabilistic point of view you will end up with a lower return (and more stress).

Greekarmy

It doesn't make any difference if the ETFs is in $ or €, if its holdings are US stocks. What you need, is an ETF that tracks the S&P and is EUR hedged. They have a bit higher TER, but you don't have to worry about fx.

Sufficient-Neat7264

Hello first of all sorry for posting here, i have been following this sub for quite some time and also portfolios one , although im posting here since i have not enough karma ahah Back to the main subject im currently at 29, im self-employed and live in Portugal, my incomes varies a bit although i also don't have high expenses so i always keep some money aside and this year i decided to do some changes and think ahead in future and start investing, before i only used to leave my money at the bank at a low rate (2%) for 6months and just renew it. Started taking around 400euros every month and deposit it at a brokerage called XTB mainly because it is the only one with office in my country and has no commissions bellow 100k invested monthly and i use it to lower the expenses. It has various etf's and stocks, i did read most part of the bogleheads wiki, and did bought some shares on a low TER S&P 500 [SPYL.DE](http://SPYL.DE) (ISIN; IE000XZSV718) but since i'm aware it alone is not sufficient to build a portfolio i'm looking for some more diversification and have some ideas where to invest: 1) MSCI WORLD ex-US (main idea would be to have a part of the other developed countries) 2) MSCI CORE EUROPE (avoids the Japan allocation that the above point offers and historical has better performance) 3) FTSE ALL-World (well it alone covers pretty much everything developed and emergent but historical perfomance..., well i dont like it that much but i might be wrong) 4) And as an additional backup i think would be wise to hold some commodities such like gold through an ETC with a lower allocation of my portfolio What i was thinking is (S&P500) 70%/ (one of the options above or more but divided) 20% / ETC GOLD (10%) I already do have a fund emergency capable of living from it for more then 12months and in case of a bear market i could increase the monthly invested looking for better opportunities My goal is for retirement in 30'ish years and live comfortable with it, and since i have a good fund emergency i can live well with my investments, at the moment the etf i hold is on my coin, euros Forgot to mention currently i have no debts and very low expenses or basically none Thank you for reading it all and thanks in advance for all the advices

marikek

Thanks for the info. I am indeed aware of Avantis, but feel like I am not ready to make the jump (although I currently own AVDV and AVUV for factor exposure- still debating to switch those positions to dimensional equivalents) with them as they are still quite new compared to dimensional and don't have the same long track record. The increased TER of DFA ETFs don't bother me too much to be honest as from history it looks like it comes with expected returns that outweigh the increased costs when compared to corresponding index funds

Hons19Hons

Invest 3333€ each month for the next 3 months. This way you are more safe against big movements. I once put 10k into an ETF and it tanked a month later, if I had split the sum, it wouldn’t have been that bad. Also just put it into an EuroStoxx50 or 600 ETF with the lowest TER. I have this one : LU0908500753

timhottens

Pretty high expense ratio (0.89%) but there's worse ones too. The cheapest TER one is $FLIN (0.19%)

uansari1

Two basis points (TER of 0.03 vs 0.05 for swap)…these ETFs are already tax advantageous because of no dividend withholding being applied…I imagine the case would be stronger if additional taxes are added on top.

Demeter_Crusher

Basically not an issue unless the TER is large... typically 0.03% to 0.2%, I.e. between £3 and £20 per year on every £10,000 invested. Most ETFs are so broad that's good value compared to trying to hold that basket of companies yourself.

ExistentialDuck1

Don’t forget Teradyne (TER), Rockwell Automation (ROK), and Fanuc Corp (FANUY)