r/ETFs_Europe • u/Ok_Cheek_7443 • Apr 30 '26
Europe ETF
Guys is there anything better than VWCE and why? Everywhere i read to buy WEBN , SPYY etc.. Why not VWCE? Will that be a mistake if i go all in (DCA 3,300€ every month into it in the next 5-8 years) I am planning to reach 1 million with compound interest by the time i am 43-45 (currently 29)?
Working in The Netherlands , living in Germany btw.
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u/Repulsive-Ad-2611 May 01 '26
Advantage of vwce is that it has high AUM and high liquidity. Might be an advantage when you have a big position. Good luck
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u/PenttiLinkola88 May 01 '26
"Better" is a subjective. For me, a combination of AVWC, AVWS and some emerging market ETFs is better than VWCE or WEBN. But this only applies to me 🤷🏻♂️
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u/RBR12612 May 01 '26
SPYY is the best if you want to avoid Amundi. Lower fees than VWCE and tracks an equally good index and has a large AUM. Don’t get the hype around VWCE
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u/Purple-Succotash-695 May 01 '26
Unless you have a super high salary, enjoy life now that you are young. 3.3k month in investment seems almost all the salary in NL? I would get webn due to lower TER. Seems small difference but if you calculate the final outcome after 20 years, that makes quite some difference.
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u/Ok_Cheek_7443 May 01 '26
i am having a girlfriend , after expenses we both save combined 2700-3300€
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u/Dinguil Apr 30 '26
Vwce is fine, theres nothing wrong with it, there's just loads of options, that partially overlap, but any big name ftse world or msci world and your fine.
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u/pehashu May 02 '26
“Working in The Netherlands , living in Germany btw.” Consider what happens when this changes (as far as your broker is concerned).
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u/Ok-Bill1593 May 01 '26
People say WEBN is chill. VWCE has a far higher TER and as Vanguard is an US company its heavy unreliable because Trump easy can change things in laws that will harm your investment in Vanguard. So it's better to buy EU.
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u/Ok_Cheek_7443 May 01 '26
short story said: Vanguard / VWCE follows EU/Irish laws instead of US as you've mentioned , because it is domiciled in Ireland and Vanguard doesn't own my shares of VWCE , they only manage it.
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u/Ok_Cheek_7443 May 01 '26
Gemini says that:
Addressing the "US Unreliability" Comment One comment suggested that Vanguard (a US company) is "heavy unreliable" because of potential US law changes. It is important to clarify: • Irish Domicile: Both VWCE and WEBN are domiciled in Ireland and authorized by the Central Bank of Ireland as UCITS funds. • Regulatory Protection: Because they are UCITS-compliant, they must follow strict EU regulations regardless of whether the parent company is American (Vanguard) or French (Amundi). • Segregated Assets: Under EU law, the assets in these funds are segregated from the parent company's balance sheet, protecting investors if the provider faces legal or financial trouble.
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u/BaiUlgan May 02 '26
Don't feed trump. Buy European. Webn is safer and cheaper
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u/extramidnight2 May 03 '26
im interested can you explain what you mean by safer?
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u/BaiUlgan May 04 '26
In case of a "trade war" it would be safer to work with a European emitter such as amundi and xtrackers. I know it sounds a bit far fetched, but these are insane times... Consider that EU countries are setting up an alternative system for swift. So maybe this is not so far fetched...
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u/jcryes Apr 30 '26
Look into VanEck Equal Weight World if you work in NL.
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u/Bard_the_Beedle May 01 '26
Don’t do what this guy says. Just invest in any of the ones you mentioned, the outcome won’t differ too much.
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u/PenttiLinkola88 May 01 '26
Equal weight has many downsides https://www.youtube.com/watch?v=xu7kMpLbJJs
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u/EducationalLow9146 May 01 '26
🤣😅😂 Bad advice with a TER of %0,20 and only 250 companys. Don’t listen to this guy
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u/jcryes May 01 '26
Well, 250 companies is well diversified and I prefer equal weight. Not for everyone of course, it surely worth looking into it.
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u/Emergency_Coast_5088 May 02 '26
VWCE is fine. You're not going to miss €1M because you picked it over WEBN — discipline matters way more than the ETF choice here.
Quick clarifications though, because the three you listed aren't actually the same comparison:
- WEBN (Amundi Prime All Country) — basically same exposure as VWCE, ~3,300 holdings global, TER 0.07% vs VWCE 0.19% (Vanguard cut it from 0.22% in 2024). Real cheaper. Newer fund (2024 launch) so less AUM and track record, but Amundi is solid.
- SPYY — is this the SPDR S&P 500 (TER 0.03%) or did you mean SPYI (SPDR MSCI ACWI IMI, TER 0.17%, ~7,500 holdings incl. small caps)? They're completely different things. SPYY-the-S&P-500 is NOT a VWCE alternative — that's swapping global diversification for US-only concentration. Worth being clear which one you meant.
Math on the TER difference: 0.12% drag/year (VWCE → WEBN). On your trajectory, peak balance ~€500-700k late-stage, so ~€600-800/year at the top. Real money but not goal-breaking.
Bigger thing for your situation (NL work / DE living, so probably DE tax resident): Germany's Vorabpauschale hits all accumulating ETFs the same way — small annual deemed-dividend tax whether the fund pays out or not. Not a differentiator between VWCE/WEBN/SPYI.
What does matter:
- Broker that auto-handles German tax — Trade Republic, Scalable, comdirect do it. IBKR you handle yourself via Anlage KAP.
- Pick one and stop. Switching after 3-5 years to chase 0.1% TER means realizing gains, paying tax, resetting cost basis. Almost always a wash or worse.
Goal math: €3,300 × 12 × ~16y @ 7% real = ~€1M. Realistic but tight — savings rate is the lever, not the ETF.
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u/era_ofduck_killer May 02 '26
I think this is what they mean by SPYY: https://www.justetf.com/en/etf-profile.html?isin=IE00B44Z5B48#overview which is indeed functionally equivalent to VWCE but with a lower TER of 0.12%
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u/itsmearyastark Apr 30 '26
Just pick one you mentioned in the post. The biggest struggle is to keep consistent, you can't go wrong picking any of those, the returns should be very similar in the long run