Reddit Posts
Understanding dividend yield of maturity date bond fund
Can somebody explain what the difference is between these 2 ETN's?
What am I missing with VUAA + EIMI? Non US resident here
Morningstar article: 10 Most Undervalued Wide-Moat Stocks to Buy
Opinions on Chinese government bonds as long term investments?
TerrAscend ($TER / $TRSSF) Receives Regulatory Approval for Acquisition of Peninsula Alternative Health
My prediction on TerrAscend $TER / $TRSSF TSX up-listing ("will happen within days of shareholder approval")
Fund liquidation and TER change approaches of Vanguard vs State Street Global Advisors; VHVE vs SWRD
Vanguard vs State Street Global Advisors' liquidating funds and changing TER approaches; VHVE vs SWRD
Do ESG funds like V3AA (Vanguard ESG Global All Cap UCITS ETF) underperform, match, or outperform the market? TL;DR.: V3AA's index wins, but IMID's NAV wins. Which do I believe?
Comparing ETFs performances is not simple. Is there a platform to do that?
Any suggestion or advice for an inflation linked USA Bonds ETF
The merits of Income funds and passive vs active in a low growth economy
Nancy Pelosi’s husband buys millions in computer-chip stocks before big subsidy vote
Discussion with TER, TRUL, VRNO LFLY tomorrow
it kinda be like that here.... so what you saying? ∆TER
Intel (INTC) Stock Falls on Morgan Stanley Downgrade to Underweight, Analyst Says 'All-or-Nothing Situation' Carries High Risk
Here is a Market Recap for today Thursday, January 27, 2022. Another volatile day
Here is a Market Recap for today Thursday, January 27, 2022. Another volatile day
TERRASCEND: Is Jason Wild (chairman) buying more stock?
Thinking of switching from IWDA to VUSA ETF. Any advice?
Do you want a reason to buy 🅰️TER? Here it is
How to long-term invest in a weakly inefficient market with no sign of random walk?
Vanguard All World as a Core and NASDAQ 100 as i side ETF?
Vanguard All World as a Core and NASDAQ 100 as i side ETF?
S&P 500 Vanguard vs. Invesco vs. iShares - Which one to pick as an european
iShares MSCI India UCITS ETF USD (Acc)
Recommendations needed to enhance my long portfolio
Teradyne Inc DD, a stock with increasing online chatter
Research on Teradyne Inc, a stock that has seen rising chatter online.
Research on Teradyne Inc, a stock seeing an increase in chatter over the last few weeks.
Mentions
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.
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.
FSLR, TER, PRY (Prysmian SpA), and GEV
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.
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
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.
Just take the meta money and use it to buy more NVDA and some CLS or TER and you’re good
BE and TER treating me right this morning
Everyone taking about V, nobody played TER with me? Lol
Dang TER is killing it
Dang TER is killing it
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
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)
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?
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.
Best ETF to invest nowadays, I live in Switzerland , low TER possibly.
Best ETF to invest nowadays, I live in Switzerland , low TER possibly.
# 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
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®ion=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®ion=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.
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.
TER pumping my retirement baby💪
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.
global titans 50 costs TER 0,51 in germany and there is no S&P Global 100 ETF here :-(
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.
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.
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?
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
$KNEE bruises from $DUMP $TER $ORAL ?
# 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%
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.
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.
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.
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?
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
$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%
Agree, TER, LRCX, both up after earnings
I did! Sold my stagnant APPL stock for TER around 90 bucks! I'm very happy right now. :)
Ah yes, the TER option in my watchlist that is up 400%. Inverse yourself, always
!banbet TER 120.00 1w
knew TER was going to rip, fuck my paper hands
Anyone else buy MARA and TER calls but SBUX puts…? If pre market stays the same will be about break even. Dammit SBUX
I don’t even remember buying calls for TER but thank FUCK I did 🙏
Glad I forced an AH order through on TER for $90.90 💰
TER calls carrying my port thank the god. SBUX puts pegged me in a bad way
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.
Will TER pull a TXN move?
What do we think about TER? Hoping they have good earnings since they been supplying robotic arms for Amazon warehouses. Bought some calls
Bought TER shares what’s your opinion
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.
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
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 $400M spread over years. If you liked them before the deal, then it makes sense to see it as an increase (and analysts bumped their price targets)... but it's not some small startup getting a deal with Amazon to grow. Robotics is part of their business, but this is a largish industrial company with a couple recent years of shrinking revenues and a P/E around 25. You may not be missing anything and this could be a good value, but stable industrials generally have to show the results in earnings. So you may get your pop this week if earnings come through.
Some H8TER (a fidelity FA) was laughing when I said I’m up 30% on the 1YR, so i put my cock on the phone
This involves buying an ETF that holds a basket of short-term (0-1 year) government bonds from the highest-rated Eurozone countries. This is the most direct equivalent to `$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.
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?**
iShares TER 0,20% Vanguard TER 0,22%
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.
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)
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/)
TER filling that gap so nicely. That’s what she said.
TER - AI/Semiconductor/Robotics company ripping nicely today. Earnings should smash later this month.
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.
Anyone bagholding TER? If they are shit, what is a better robot company outside of pre-IPO Anduril
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).
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.
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
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
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
Pretty high expense ratio (0.89%) but there's worse ones too. The cheapest TER one is $FLIN (0.19%)
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.
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.
Don’t forget Teradyne (TER), Rockwell Automation (ROK), and Fanuc Corp (FANUY)
Depends on a lot of things, for ETFs they could simply increment the TER, also there are (were?) bilateral agreement for dividends capital gain to avoid double taxation, in Switzerland is 15% for us equities (should've been 30%)
I think the article and the bill is too broad, are dividends in accumulation ETFs included in the bill? Are stocks included in distribution ETFs included? Both can cause serious disinvestment if the TAx is included in the TER and the TER go above 1%
I used to own this stock but sold in 2021. It crashed in 2022 with everything and it fell off my radar since then. Honestly was hoping for more growth by now. It was still trading below its 2022 high at its most recent high just before the tariff correction. Maybe that’s the case for this industry niche and would be curious to see TER’s competitors price action as well. In either case it’s crazy to me that TER is valued at its 2020 price in 2025. With all the inflation and bull run we’ve had either it’s massively undervalued or it’s underperforming. How TER competitors are doing would be insightful and crucial information if you were planning on investing but your current analysis lacks any points on competitors.
Amundi Prime Global (Acc) is a my preferred choice, with only 0.05% TER it's one of the lowest fees. Something to note, it doesn't contain Emerging markets or China, just the developed markets, which I prefer. SPDR MSCI All Country World UCITS is my second choice, 0.12% TER is slightly higher, but it also has higher volume, this one contains even the smaller and emerging markets, it's all country as it says. I'd recommend both, I wouldn't worry too much about the currency difference, you get American companies in USD, European countries in EUR and so on
Even tho you may not pay transaction fees in your bank there are operation costs inbeded into every fund ( this is what TER, total expense ratio, is ). You should invest in other markets besides US market to spread your money, dont put your all your eggs in one basket etc etc I think AMD and ELF, as most big stocks, are priced above their true intrinsic value, so investing in them is more akin to speculation than anything else.
If you're gonna invest defensively, which I would recommend you do, these ones are good picks. The 3 biggest economies, US, EU and China; an All-World fund; and a well balanced bonds fund. A good strategy for defensive investing is not caring about the market -- youre not here to beat the market but to accompany it. Another good strat is dollar cost averaging, to reduce volatility. If youre new Id also very highly recommend that at least you read Benjamin Graham's Intelligent Investor. If youre interested in value investing or defensive investing then you must read it. Also, these specific funds are chosen for europeans, since Im european and use the euro. But you can find counterparts for the dollar, or any other currency. Just remember to be wary of exchange rates and how they can cut your gains away, especially when it comes to bonds. Also always check what commissions youre gonna have to pay when choosing between funds. And remember, the more you trade the more you lose by transfering money back and forth. Know thyself before you know the market and good luck! https://www.ishares.com/de/privatanleger/de/produkte/308751/ishares-msci-china-ucits-etf?switchLocale=y&siteEntryPassthrough=true -- Stocks, ACC, Chinese Market -- 0.28% TER https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-ucits-etf-usd-accumulating/overview -- Stocks, ACC, All-World -- 0.22% TER https://www.ishares.com/nl/particuliere-belegger/nl/producten/251861/ishares-msci-europe-ucits-etf-acc-fund?switchLocale=y&siteEntryPassthrough=true#/ -- Stocks, ACC, European Market -- 0.12% TER https://www.ishares.com/uk/individual/en/products/251903/ishares-sp-500-eur-hedged-ucits-etf#/ -- Stocks, ACC, US -- 0.2% TER https://www.ishares.com/ch/professionals/en/products/251834/ishares-euro-government-bond-capped-15105yr-ucits-etf-de-fund#/ -- Bonds, DIST -- 0.15% TER
nah i mean what did you end up buying instead of the ETF. but yeah fuck that no point pay a TER when there's not realistically that many companies ud wanna own anyways
$TER up, tech bulls in control
MSCI ACWI. Very low TER, good fund sizing. And please accumulation (unless you want to pay taxes over taxes). Second choice according to me is MSCI WORLD ETF, exactly like the First one but not including the emerging market (e.g. china)
MSCI ACWI. Very low TER, good fund sizing. And please accumulation (unless you want to pay taxes over taxes). Second choice according to me is MSCI WORLD ETF, exactly like the First one but not including the emerging market (e.g. china)
TER seems interesting. What's your thesis on that company?
Monday: $TER 70p 5/16 Tuesday: $GEHC 72c 5/16 Wednesday: maybe QCOM puts depending on chart Thoughts?
$TER 70p for 1.83 looks pretty juicy...will buy a couple tomorrow Relatively low IV and 🥭 continuing tariff talk, consistent drops after beating expectations
Right, basically I cannot really decide between the two. The difference in TER is very significant in favor of UBS but ZKB somehow "feels safer"
Casinos. Plural. Like multiple places that had casinos in them too. You had the Taj Maha The Trump Plaza hotel and Casino The Trump Castle (later Trump Marina) And then Trump Entertainment Resorts holding company, which owned the others. And they filed multiple times each. TER filed in 04 09, and 14 iirc.
[https://www.latimes.com/archives/la-xpm-2000-apr-07-fi-16994-story.html](https://www.latimes.com/archives/la-xpm-2000-apr-07-fi-16994-story.html) >Tuesday’s intraday market plunge seemed a distant memory Thursday as analysts and investors alike were in a bullish mood. >Goldman Sachs & Co. came out with a “Super Seven” list of tech names it calls “core holdings” for a volatile market, and five of the stocks finished higher. >The list features electronic commerce specialist First Data Corp. (ticker symbol: FDC), software developer Oracle Corp. (ORCL), electronic systems maker Teradyne Inc. (TER), communications chip manufacturer PMC-Sierra Inc. (PMCS), data storage systems maker EMC Corp. (EMC), Internet gear maker Cisco Systems Inc. (CSCO), and PC retailer Dell Computer Corp. (DELL). >“During this period of extreme volatility, we recommend technology names \[in whose fundamentals\] we continue to have high conviction,” Goldman said in its report. >PMC-Sierra and other chip makers also got a boost as the Semiconductor Industry Assn. said worldwide chip sales climbed 33% in February from a year ago, led by rising demand in Japan and the Asia Pacific region. >“The year-to-year growth of semiconductor sales indicates a strong 2000 for the chip industry,” said George Scalise, the trade group’s president. Sales rose 19% in 1999 and are expected to climb 20% this year. >Intel Corp. (INTC), the leading maker of computer chips, eased 6 cents to $129.81, but most of its competitors got a lift, including Texas Instruments Inc. (TXN), which jumped $10 to $160. >Meanwhile, brokerage analysts issued positive ratings on several stocks in the tech sector and elsewhere, including: >\* In the retail group, Limited Inc. (LTD; $46.81, up $5.13) was upgraded to “strong buy” at Banc of America Securities; Sears, Roebuck & Co. (S; $37, down 50 cents) was called “buy” at Lazard Freres & Co.; and Intimate Brands Inc. (IBI; $43.94, up $2.94) was raised to “strong buy” at U.S. Bancorp. >\* In the struggling health-care sector, Oxford Health Plans Inc. (OXHP; $14.81, up 25 cents) was raised to “buy” at First Union Securities Inc. >\* Internet security company Check Point Software Technologies Ltd. (CHKP; $176.75, up $18.25), which has sunk 40% from its recent peak, was upgraded to “strong buy” at Sands Bros. & Co. >\* Two Internet incubators got recommendations, as Safeguard Scientifics Inc. (SFE; $50.50, down $2.50) was rated “buy” in new coverage by Merrill Lynch’s high-profile Henry Blodget, and Internet Capital Group Inc. (ICGE; $73.88, up 17 cents) was reinstated “strong buy” at Deutsche Banc Alex. Brown.
then why is our TER so shit compared to USA? hmm hmm??
Because the narrative around passive fund investing is strongly influenced by ETF handlers, and they like their TER. Then they will show you studies where they do the average 10 persons at +85% selling when Trump gets elected, with 100 panic sellers selling at -40% after a marked drop, and conclude that selling is always wrong if you want to perform. If you are ways up, and you disinvest based on a solid idea, like: current conditions are too unstable, and re-enter not just based on prices but on geopolitical / policies, sure, you are an active investor, but you can very well do much better than others that just remain invested. After all the big funds that enter and exit regularly are not idiots, no?
# Information Technology * Winners: INTC (+16.52%) and SMCI (+10.28%) showed strong gains, with Intel likely benefiting from positive updates or optimistic outlooks in semiconductor demand. * Losers: ADBE (-12.16%) and TER (-20.08%) saw significant losses, possibly influenced by weak earnings or guidance. Major losses also hit MSFT (-1.21%) and AAPL (-10.70%). * Trend: The sector broadly experienced losses, reflecting potential investor caution after strong recent performance. #
Not sure with so few things in there it's worth paying the TER. I can just buy these with very little extra effort.
Some improvements visible in Q4 after what was a tougher 2024 for Terrascend. Results were at or slightly above expectations, margins improved sequentially although remain below 2023 levels, and the balance sheet remains less levered than most Tier 2 peers. Cash flow still largely reliant on 280e deferrals but close to breakeven even with it adjusted. After retail declines in key markets drove top-line declines in 2024, a return to growth will be needed with M&A (Ohio) and potential AU in Pennsylvania as the most obvious drivers. Full review: **Revenue:** QoQ: $74.2M to $74.4 / YoY: $86.6M to $74.2M FY: $317.3M to $306.7M *TER pre-announced revenue so as expected here. Flat QoQ, but down 14.3% from last year and down 3.3% for the full year compared to 2023. Management highlighted wholesale performance in NJ & MD as strong points, offsetting retail declines in NJ & MI.* **Adjusted EBITDA:** QoQ: $13.7M to $15.1M / YoY: $19.6M to $15.1M FY: $68.8M to $60.7M *10.2% sequential growth to close out the year was slightly ahead of expectations ($14M), although was down 22.9% from last year. FY aEBITDA dropped 11.8% compared to 2023. Margin was 20.3% to finish the year, up from 18.5% last quarter but down from the 22.7% mark set last year. FY aEBITDA margin dropped form 21.7% in 2023 to 19.8% this year. Relatively few adjustments in these figures.* **Gross Margins:** QoQ: 48.8% to 50.2% / YoY: 48.2% to 50.2% FY: 50.3% to 48.9% *Nice close to the year, with margins up sequentially and YoY. FY 2024 GMs were down 1.4% from 2023.* **Operating Expenses:** QoQ: $33.8M to $28.9M / YoY: $27.0M to $28.9M FY: $121.5M to $119.2M *Better cost control to close out the year, and compared to 2023- much needed given top-line declines.* **Operational Cash Flow:** QoQ: $1.8M to $9.7M / YoY: $9.4M to $9.7M FY: $23.4M to $38.0M *Rise here to close out the year and up big from 2023 but have to factor in 280e tax deferrals. Tax-adjusted OCF was $3.8M for the full year. CapEx was $4.7M in Q4 and $9.6M for the full year.* **Cash:** QoQ: $27.2M to $27.0M / YoY: $25.3M to $27.2M *Positive OCF offset by CapEx spend and $6M in M&A payments. Debt at $190.2M, income tax payable of $11.5M and a UTP of $107M.*
Try IE00B3ZW0K18 if you want to avoid the currency risk. Higher TER, though. For long-term investing, don't worry about currency risk cause it'll even out over time.
Amundi Euro Stoxx 600 (MEUD) TER 0.07% Low cost, diversified and exposed to UK defence manufacture. The only issue is Nestle high share tossed up there, but it’s acceptable sacrifice.
Hey maybe it's also just my nostalgic wish that ubisoft does turn around... they have all the IP's I loved as a teenager but somehow decide to only release shit games hahah. I didn't buy into Ubisoft again either, I'll definitely keep it on my watchlist, I would really hope for them to get back to their roots. > I'm just now getting into investing and will start with options that seem less risky. oh yea, then definitely don't go into Ubisoft haha. I would just buy some broad ETF (All World, or S&P 500, or whatever) with cheap TER.
Check WEBN all world ETF only 0.07 TER
It would be 3,200 USD. I would sneeze at that, as I think there’s more relevant factors that will contribute to performance other than a TER difference of 0.01%-points.
Really hope to see VWCE's TER get cut.