For the extra precautious investor, is VWRA a good alternative to VT?

M

Mtwinston

New member
I have 124’000 USD (emphasis on USD) that I’m looking to invest over 6 months. I’m a Canadian citizen living in Switzerland. I have no ties to the US aside from the aforementioned inheritance, but I now know how utterly painful American bureaucracy can be.

SO, I’m willing to pay a premium if it means using a Swiss broker (I’m thinking Swissquote or even Yuh for simplicity) and also I’m looking for the next best VT equivalent but something not based in the US, so that led me to VWRA or VWRD (accumulating or distributing). I recognize it’s more money, but I want it as tightly “close” as possible.

Does anyone have any opinions on the above before I start making decisions?
 
Hi and welcome to the forum.

You have to ask yourself whether avoiding US instruments are worth the extra fees and the loss of 15% of dividends.

If yes, VWRA and VWRD are great ETFs. I would recommend Saxo for the lower fees, but you would have to make sure you can transfer these USD to it properly (without fees).
 
Baptiste Wicht said:
Hi and welcome to the forum.

You have to ask yourself whether avoiding US instruments are worth the extra fees and the loss of 15% of dividends.

If yes, VWRA and VWRD are great ETFs. I would recommend Saxo for the lower fees, but you would have to make sure you can transfer these USD to it properly (without fees).
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Thanks a lot Baptise! I do agree with you. The estate tax stuff I know is avoidable as a non-resident, but the US is an absolute pain to deal so it unfortunately is pushing me away from it.

I do unfortunately feel like I should stick with a USD VT equivalent (based out of Ireland) because the USD is so low right now. I don’t feel it’s worth converting at this stage.
 
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