Aggregate Bond ETF (AGG) is one of the … By using our Services or clicking I agree, you agree to our use of cookies. OP is probably thinking of the US domiciled Vanguard funds. I used to own US shares at 2 romanian brokers: BCR and Tradeville, and neither of them reported dividends when presenting your previous year tax statement. I just opened an account with IB which as far as I understood charge 0 if you have funds over 100k with them. I see...but you can always use a US broker in case you want to have access to the other US ETFs (e.g. Vanguard only has distributing funds, which isn’t optimal tax-wise where I live (Belgium). A discussion forum for advice on personal finance in EU countries. Although this point is usually moot because these are ETFs and total market funds, but it is still a small risk (Vanguard's VWO has to liquidate all of it's Korean holdings with the index switch and may possibly realize capital gains as a result). Both Vanguard and iShares funds are perfectly fine. The Vanguard FTSE Emerging Markets ETF (VWO) is the most popular ETF for this space, with over $87 billion in assets. (1) din Legea nr.227/2015 privind Codul fiscal contribuabilii, persoane fizice rezidente care, pentru acelasi venit si pentru aceeasi perioada impozabila, sunt supusi impozitului pe venit atat pe teritoriul Roméaniei, cat si in statul strain cu care Romania are incheiaté o conventie de evitare a dublei impuneri, iar respectiva conventie prevede ca metoda de evitare a dublei impuneri metoda creditului, au dreptul la deducerea din impozitul pe venit datorat in Romania a impozitului platit in strainatate, in limitele prevazute in prezentul articol. The Vanguard Total International Bond ETF (BNDX) provides broad, USD-hedged diversification across the entire foreign bond market. The Vanguard Health Care ETF (VHT) is next in popularity, with over $13 billion in assets. iShares Core MSCI World has a TER of 0.2%. Comparing the iShares and Vanguard all-in-one growth ETFs, again, there are slight differences. The ETF has the objective of tracking the performance of the CRSP U.S. Total Market Index, which is a lesser-known benchmark for the domestic … It seems like Vanguard ETFs seem to have a lower expense ratio, but ishares tend to have smaller bid/ask spreads. iShares Core MSCI All Country World ex Canada Index ETF: XAW: 0.20: 0.22: 8,887: Global all-cap fund that's lower cost and tax efficient: Vanguard FTSE Global All Cap ex Canada Index ETF: … We currently offer BlackRock’s ten-year-old muni bond ETF because Vanguard’s 20-month-old muni ETF isn’t nearly as large – and we don’t want to be such a large percentage of its assets that our trades would impact its performance. ie, Why are Vangaurd traditional funds the best? US charges 10% of the dividends before giving them to the investor and then I suppose I have to declare them on my tax return every year to get charged 5% on top of that. You pay a higher ER forever, though Vanguard has forced BlackBock to lower their ERs repeatedly in recent years. If you must use ETFs, Vanguard ETFs (at least the ones you should be investing in), have very tight bid/asks, and you only pay that once anyway. I do think it's a good idea to move everything to IB and close other ones, IB's fees are the most reasonable I've seen so far in Europe. International stocks usually carry a higher dividend yield than U.S. stocks, but this is balanced out somewhat by the foreign tax credit, a … Vanguard is more focused on the simple core ETFs that most investors will need. Most importantly though, Vanguard's interests are aligned with yours, so you can trust them (or at least I do). The Vanguard FTSE All-World UCITS ETF is more diversified than the iShares combination, it is a slightly better option if we do not take in mind the tax situation. iShares total international and total bond currently have a tad lower ER than Vanguard, although I would check what the volume and spread of IXUS (total international) is. Thanks for your help! The differences between funds tracking similar indices are tiny compared to decisions on your asset allocation (which you have to decide yourself). [Editor’s note: the discussion below assumes an Australian resident buying IVV and VTS on Australian exchanges.] You really can't go wrong with either for the core index ETFs, but the board here generally favors Vanguard. iShares Core MSCI World ETF (IWDA) is the most popular (0.20% TER) and has been around the longest (since 2009) SPDR MSCI World ETF (SWRD) is a relatively new ETF that is the cheapest (0.12% TER) Vanguard also offers its own version of the previous two, Vanguard … It also happens to be the most affordable, with an expense ratio of … It should come as no surprise that that the historical … Vanguard, … As of Jan. 31, the fund owned 397 different stocks, and its top holdin… 61 ( art.61 lit.d “venituri din investitii, definite conform art. I'd go with Vanguard as they are actively committed to keeping expenses low. Vanguard Growth ETF Portfolio: VGRO: 0.22: 0.25: 7: Holds 7 Vanguard ETFs, 80% equities versus 20% bonds: Vanguard Balanced ETF Portfolio: VBAL: 0.22: 0.25: 7: Holds 7 Vanguard … Vanguard seems to have a smaller TER though: for example IShares MSCI 0.30% vs Vanguard Total World Market 0.10%. Here in Italy we pay 26% tax on dividends, and Vanguard ETFs were introduced in our stock market (BorsaItaliana) just 1 or 2 months ago. In many ways, the Vanguard fund is a younger brother to the iShares fund. Join our community, read the PF Wiki, and get on top of your finances! You don't want to hold VT as it u'is US domiciled and so has bad taxation on dividends, New comments cannot be posted and votes cannot be cast, More posts from the eupersonalfinance community. Basically everyone uses iShare. Fund coverage: Ticker: Historical Yield: Vanguard Global: VGS: 2.41%: iShares Global: IWLD: 2.30%: Vanguard Europe: VEQ: 2.64%: iShares … Aggregate Bond ETF The iShares Core U.S. By using our Services or clicking I agree, you agree to our use of cookies. Vanguard's total US & international stock funds have much more unrealized appreciation than iShares. The Vanguard Health Care Index Fund ETF currently offers a dividend yield of 2.1%. A lot of iShares ETFs are only really useful to 0.1% of investors. From reading them, they use different pools of stocks and … Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I plan to have more than 100k investments, do u think I should close DriveWealth and ETFMatic accounts and move everthing to IB and only invest in few ETFs? New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Obviously, both the Vanguard High Dividend Yield ETF and iShares Select Dividend ETF are dividend oriented. IB does charge fees for purchasing ETF's. In your tax situation, distributing etfs are a better choice, so going with Vanguard … I just opened an account with IB which as far as I understood charge 0 if you have funds over 100k with them. Then submit documents from the IRS stating what tax you payed for them. Ca urmare a depunerii Declaratiei D201 la care se vor anexa documentele justificative privind venitul realizat si impozitul platit, documente eliberate de autoritatea competenta din tara in care s-a obtinut venitul si cu care Romania are incheiata conventie, de evitare a dublei impuneri, organul fiscal stabileste impozitul anual datorat si emite o decizie de impunere. So a lot of work to eventually get to the same result. Vanguard has two accumulating funds (Vanguard Global Liquidity Factor UCITS ETF, Vanguard Global Momentum Factor UCITS ETF) but I would avoid them due to small size and liquidity. BlackRock created iShares, which includes a list of 350 different ETFs. Dividents are taxed 30% whereas there’s no capital gains tax in Belgium. 130 [................] persoanele fizice rezidente romane, cu domiciliul in Romania, pentru veniturile obtinute din orice sursa, atat din Romania, cat si din afara Romaniei datoreaza impozit pentru veniturile obtinute din strainatate. All-in-One ETFs Battle: Vanguard vs iShares vs BMO Vanguard was the first company to jump into Canadian all-in-one ETFs back in 2018. The minimum activity fee is waived if assets are 100K+, meaning there will be no cost to the investor if in a certain month no transactions are done. Many other competing funds have waivers that are keeping ratios down - they could go up at any time which means you'd have to pay the trading fees and eat the bid/ask spread twice to switch. I plan to have more than 100k investments, do u think I should close DriveWealth and ETFMatic accounts and move everthing to IB and only invest in few ETFs? Its largest ETFs include: Vanguard Total Stock Market ETF , which tracks thousands of U.S. stocks of various market caps and has $158.5 billion in AUM; and Vanguard S&P 500 ETF , which … Best is Vanguard traditional funds - same fees as ETFs, no bid/ask or liquidity issues. For Aussies wanting broad US market access, it is hard to look past iShares S&P 500 ETF (IVV) and Vanguard … The most popular bond funds typically come from iShares, Vanguard, and Schwab. iShares Nasdaq Biotechnology ETF Comparing the two S&P 500 ETFs (VUSA & IUSA) Why I chose Shares? Its expense ratio of 0.10% ranks as one of the lowest among all ETFs. I'm not sure which fund you are talking about when it comes to 0.1% TER. According to our ANAF, you should report them. AGG – iShares Core U.S. But Vanguard … This is the answer I got from ANAF in 2016 regarding US dividends taxing: "Potrivit predeverilor art. Plata impozitului in stradinadtate se dovedeste printr-un document justificativ, eliberat de autoritatea competenta a statului strain respectiv; c) venitul pentru care se acorda credit fiscal/scutire face parte din una dintre categoriile de venituri prevazute la art. iShares generally have fewer holdings in the funds which can lead to some small differences in performance (can be better or worst). Vanguard's total US & international … With over 430 … In conformitate cu prevederile art. In the end you will pay an additional 5-10% tax on your US dividends, that you may them be able to deduce from your taxes. [.........]. [...........], Contribuabilii care obtin venituri din strainatate au obligatia sa le declare, potrivit declaratiei specifice, respectiv Declaratia 201 privind veniturile realizate din strainatate, pana la data de 25 mai a anului urmator celui de realizare a venitului. For me it comes down to distributing vs accumulating funds. There is a tax agreement between Romania and US - it is why they withhold 10% tax, and really would only complicates things. Vanguard Canada was the first ETF provider to launch one-ticket solutions just over a year ago, and iShares followed in December. Press question mark to learn the rest of the keyboard shortcuts. I have an account with ETFMatic (about 3k EUR invested in their stocks). Press question mark to learn the rest of the keyboard shortcuts. I've used ETFs from iShares, BMO, and Vanguard … IXUS – iShares Core MSCI Total International Stock ETF. It's therefore not surprising to see an ETF that aims to offer exposure to the entire U.S. stock market at the top of the list. Drivewealth). Press J to jump to the feed. And looking at the end result, iShares and Vanguard’s dividend yields are very similar. Vanguard has been a huge advocate of index investing throughout its history. Also, I currently have an account with Drivewealth where I can buy US ETFs (currently 20k USD invested in US total market ETF and some tech ETFs) . iShares gives you more US equity exposure (36.5% vs 31%) and less Canadian equity (20.51% vs 23.2%). iShares has much more specific ETFs that let you customize to a very fine level if you desire. I'm a 22 year old high school drop out … I've narrowed it down to iShares Edge and Vanguard Factor. The Vanguard FTSE All-World UCITS ETF is more diversified than the iShares combination, it is a slightly better option if we do not take in mind the tax situation. Considering the dividend tax in my country (Romania) is 5% and capital gains tax 10%, what ETFs would you recommend I should invest in for retirement (I can hold them up to 20-25 years)? Cookies help us deliver our Services. The iShares ETF has a 0.39% expense ratio , which is more than four times as much. Anyone know which is more important for longer term investments? The fund seeks to track the MSCI US Investable Market Health Care 25/50 Index. IB with over 100k is a btter choice than the robo advisors. I also saw IShares has the ETF with the accumulating option (where dividends get re-invested instead of given to the investor), do you happen to know if Vanguard has a any similar option? Both iShares and Vanguard ETFs are domiciled in Ireland. They charge 0.48% under 50k invested and 0.29% over 50k. Drivewealth charges 3$ for each transaction and 50$ withdrawal fee. SPDRs, Vanguard ETFs, and iShares are exchange traded fund families that offer a series of ETF types under a product line. I'll take the extra 0.02% if it means I don't have to declare dividends on my taxes every year. For a long-term investment, bid-ask spreads are usually irrelevant (just like market timing of the ETF's price). iShares new "core" line of ETFs (total market) is comparable to Vanguard's total market ETFs but there are some differences. The Vanguard ETF has an expense ratio of just 0.08%, or $8 per year for every $10,000 you have invested. Vanguard vs iShares S&P500 ETF (VOO vs IVV) ... Hello all, this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. How can a traditional fund end up being as tax efficient as an ETF? Vanguard Total Stock Marketis an immense fund, holding almost 3,600 different stocks. The fund has over $150 billion in assets, an … In your tax situation, distributing etfs are a better choice, so going with Vanguard seems like a no-brainer. I tried to find out what's the reason behind it and might be related to the fact they are Ireland based and they don't charge foreign investor withholding tax but I'm not 100% sure if I should stick to Vanguard or switch to IShares. Creditul fiscal se acorda la nivelul impozitului platit in strainatate, aferent venitului din sursa din strainatate, dar nu poate fi mai mare decat partea de impozit pe venit datorat in Rom@nia, aferenta venitului impozabil din strainatate.". iShares total international and total bond currently have a tad lower ER than Vanguard, although I would check what the volume and spread of IXUS (total international) is. Press J to jump to the feed. iShares total US stock follows a different index (SP1500 vs CRSP) which should hold fewer stocks in excluding the smaller cap companies. The vanguard equivalent would be Vanguard FTSE Developed World, and it has a TER of 0.18%. I don't know if you should re-report dividends in Romania. Creditul fiscal se acorda daca sunt indeplinite, cumulativ, urmatoarele conditii: a) se aplica prevederile conventiei de evitare a dublei impuneri incheiate intre Romania si statul strain in care s-a platit impozitul; b) impozitul platit in strainatate, pentru venitul obtinut in strdinadtate, a fost efectiv platit de persoana fizica. 131 alin. iShares Core MSCI World ETF (IE00B4L5Y983) vs. Vanguard FTSE All-World ETF (IE00BK5BQT80) Long time lurker, my 1st post here, and I want to pick your brains a bit -:) I wanna put … However, they have rather different portfolios.The Vanguard High Dividend Yield ETF tracks the FTSE High Dividend Yield Index, which is composed of stocks with higher-than-average dividend yields, specifically excluding real estate investment trusts. There are ways beyond ERs (eg soft dollaring) to suck money out of your mutual fund. 91”). Cookies help us deliver our Services. I saw most of the people on this subreddit tend to choose IShares ETFs instead of the Vanguard ones. I was wondering if anyone had any experience w/ vanguard vs. ishares etfs. Pf Wiki, and Vanguard Factor but the board here generally favors Vanguard are actively committed keeping!, more posts from the personalfinance community ways beyond ERs ( eg dollaring... The funds which can lead to some small differences in performance ( can be better or worst ) … –! Throughout its history stocks in excluding the smaller cap companies money out of mutual... Have fewer holdings in the funds which can lead to some small differences in (! Dollaring ) to ishares vs vanguard reddit money out of debt, credit, investing and! Forum for advice on personal finance in EU countries n't know if you have funds over 100k them. 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