{"id":9546,"date":"2018-12-10T11:08:21","date_gmt":"2018-12-10T10:08:21","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/etfs-what-you-should-look-out-for-when-making-your-choice\/"},"modified":"2024-12-05T11:41:46","modified_gmt":"2024-12-05T10:41:46","slug":"etfs-what-you-should-look-out-for-when-making-your-choice","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/etfs-what-you-should-look-out-for-when-making-your-choice\/","title":{"rendered":"ETFs: What you should look out for when making your choice"},"content":{"rendered":"\n<p><strong>In the <a href=\"https:\/\/schweizerfinanzblog.ch\/etfs-die-revolution-der-geldanlage\/\" target=\"_blank\" rel=\"noopener noreferrer\">last article<\/a>, we reported on ETFs in general terms and showed why this investment vehicle is so attractive for private investors in particular. With the success of ETFs, the range on offer has grown steadily and, unfortunately, so has the complexity. Well over 1,000 ETF products are now traded on the SIX Swiss Exchange alone. In this article, we aim to untangle the ETF jungle and alleviate the agony of choice with a simple decision-making aid.   <\/strong><img decoding=\"async\" src=\"http:\/\/pl01.owen.prolitteris.ch\/na\/plzm.c52018fa-2bce-4a5b-bde9-039a73d9c812\" width=\"1\" height=\"1\" border=\"0\"\/><\/p>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-info-component\/post-info-component.css\">\n<div class=\"post-info-component\">\n\t\t<div class=\"von-and-comments\">\n\t\t\t\t\t<a target=\"_blank\" href=\"https:\/\/schweizerfinanzblog.ch\/ueber-uns\/\">Stefan &amp; Toni<\/a>\n\t\t\t\t <span>| <a href=\"#comments\">24 Comments<\/a><\/span> \t\t\n\t<\/div>\n\t<div class=\"post-dates\">\n\t\tpublished on 10.12.2018\t<\/div>\n<\/div>\n<p>Once you have determined your asset allocation (see <a href=\"https:\/\/schweizerfinanzblog.ch\/asset-allocation-das-a-und-o-deiner-geldanlage\/\" target=\"_blank\" rel=\"noopener noreferrer\">this article<\/a>), you know how you want to structure your assets. The next step is to find suitable ETF products based on this structure. <\/p>\n\n<p>For the sake of simplicity, we will limit ourselves to the corresponding offer on the <strong>Swiss stock exchange SIX<\/strong>, where around <strong>1,300 ETFs<\/strong> are traded (source: justetf.ch). Of course, you can also purchase ETFs on <strong>foreign stock exchanges<\/strong>, but this can be somewhat more complicated from a tax perspective. <\/p>\n\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Index_selection_for_ETFs\">Index selection for ETFs<\/a><\/li><li><a href=\"#Product_selection_for_ETFs\">Product selection for ETFs<\/a><ul><li><a href=\"#ETFs_in_comparison\">ETFs in comparison<\/a><\/li><\/ul><\/li><li><a href=\"#Conclusion\">Conclusion<\/a><\/li><li><a href=\"#This_might_also_interest_you\">This might also interest you<\/a><\/li><li><a href=\"#Disclaimer\">Disclaimer<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Index_selection_for_ETFs\">Index selection for ETFs<\/span><\/h2>\n\n<p>After determining the asset allocation, the choice of index is the most important decision. There are very different indices. They focus, for example, on certain&#8230;  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>regions (e.g. Europe, North America, Asia-Pacific, emerging markets),<\/li>\n\n\n\n<li>countries (e.g. Switzerland),<\/li>\n\n\n\n<li>Sectors \/ industries (e.g. technology),<\/li>\n\n\n\n<li>factors (e.g. small companies or &#8220;small caps&#8221;),<\/li>\n\n\n\n<li>strategies (e.g. <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/dividend-strategy-is-not-worth-it-3-major-disadvantages-for-swiss-investors\/\" target=\"_blank\" rel=\"noopener\">dividends<\/a>, <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/green-stocks-40-etfs-compared\/\" target=\"_blank\" rel=\"noopener\">sustainability<\/a>) or<\/li>\n\n\n\n<li>asset classes (e.g. equities, bonds, commodities, <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/real-estate-etfs-the-easiest-way-to-invest-in-concrete-gold\/\" target=\"_blank\" rel=\"noopener\">real estate<\/a>).<\/li>\n<\/ul>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><span style=\"font-size: 24pt;\"><em>&#8220;Two ETFs are enough to build up a global portfolio.&#8221;<\/em><\/span><\/p>\n<\/blockquote>\n\n<p>In order to benefit from the positive effects of <strong>diversification<\/strong> (see <a href=\"https:\/\/schweizerfinanzblog.ch\/diversifikation-nicht-alle-eier-in-den-gleichen-korb-legen\/\" target=\"_blank\" rel=\"noopener noreferrer\">this article<\/a>), we participate in the <strong>global economy<\/strong>. As a result, we concentrate on <strong>equity indices<\/strong> that reflect <strong>entire regions<\/strong>. At the same time, for the sake of simplicity, we refrain from considering specific sectors, factors, strategies or alternative asset classes such as real estate or commodities.  <\/p>\n\n<p>Two ETFs based on the following indices are actually sufficient to build up a <strong>global portfolio<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.msci.com\/documents\/10199\/149ed7bc-316e-4b4c-8ea4-43fcb5bd6523\" target=\"_blank\" rel=\"noopener noreferrer\">MSCI World: over 1,600 stocks from 23 industrialized countries<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.msci.com\/documents\/10199\/c0db0a48-01f2-4ba9-ad01-226fd5678111\" target=\"_blank\" rel=\"noopener noreferrer\">MSCI Emerging Markets: over 1,100 stocks from 24 emerging markets<\/a><\/li>\n<\/ul>\n\n<p>These two indices complement each other perfectly as they do not overlap. They also cover around <strong>85% of the free float market capitalization<\/strong> in each of the 47 countries. <\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><span style=\"font-size: 24pt;\"><em>&#8220;If you want a more balanced distribution, choose regional indices instead of the MSCI World.<\/em>&#8220;<\/span><\/p>\n<\/blockquote>\n\n<p>The <strong>weighting<\/strong> of the individual components or companies is based on the respective <strong>market capitalization<\/strong>. As a result, <strong>US companies<\/strong> are very strongly represented in the MSCI World with <strong>a share of around 60%<\/strong>. Incidentally, the most strongly represented company in the MSCI World is <strong>Apple<\/strong> with a share of 2.26% (as at 30.11.2018). <\/p>\n\n<p>If you want a <strong>more balanced distribution<\/strong>, choose <strong>regional indices<\/strong> such as MSCI North America, MSCI Europe and MSCI Asian-Pacific instead of the MSCI World.<\/p>\n\n<p>The British index provider <strong>&#8220;FTSE<\/strong> &#8221; is a suitable alternative to the US &#8220;MSCI&#8221;. The corresponding indices <strong>&#8220;FTSE Developed World&#8221;<\/strong> and <strong>&#8220;FTSE Emerging Markets&#8221;<\/strong> are also broadly diversified and are particularly favored by ETF pioneer and price breaker <strong>Vanguard<\/strong>. However, other ETF providers such as Blackrock and UBS rely primarily on indices from MSCI (see also Figure 1 below). <\/p>\n\n<p>Incidentally, an <strong>investment mix<\/strong> of one ETF each based on MSCI World and FTSE Emerging Markets or FTSE Developed World and MSCI Emerging Markets is <strong>not recommended,<\/strong> as the corresponding markets are sometimes <strong>interpreted differently<\/strong> by the two index providers. For example, FTSE assigns <strong>South Korea<\/strong> to the developed countries, while MSCI assigns it to the emerging markets. South Korea would therefore not be represented at all in the first mix example and twice in the second.  <\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><span style=\"font-size: 24pt;\"><em>&#8220;Costs are a very important factor, as they can substantially reduce returns in the longer term.&#8221;<\/em><\/span><\/p>\n<\/blockquote>\n\n<h2 class=\"wp-block-heading\"><span id=\"Product_selection_for_ETFs\">Product selection for ETFs<\/span><\/h2>\n\n<p>Once we have decided on the underlying indices, we move on to product selection. As a private investor, you should check the following <strong>factors<\/strong> in particular: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Costs:<\/strong> These are indicated with the <strong>total expense ratio (TER)<\/strong> and include the ongoing ETF fees, which are incurred annually and charged directly to the ETF. Fortunately, the TER is falling steadily thanks to strong competition. Costs are a very important factor, as they can substantially reduce returns in the longer term. \u21d2 Fortunately, ETFs whose TER exceeds <strong><del>0.7%<\/del> 0.4% p.a. <\/strong>(update 2022: adjustment to current, lower market prices) are now exotic. We recommend avoiding more expensive ETFs.    <\/li>\n\n\n\n<li><strong>Tracking error: <\/strong>This shows how well or poorly the ETF provider is able to replicate the benchmark index, minus costs. \u21d2 The tracking error should   <strong>max. 0.1% p.a.   <\/strong>amount.<\/li>\n\n\n\n<li><strong>Tracking difference:<\/strong> The tracking difference is more informative (but less well known) than the TER and the tracking error. This is because it provides information on how much the ETF deviates from the reference index. It therefore includes both the TER and the tracking error. \u21d2 This key figure should therefore be <strong>max.<\/strong> <strong><del>0.8%<\/del> 0.5% p.a.<\/strong> (update 2022). We recommend the ETF platform <a href=\"\" target=\"\" rel=\"noopener\">trackingdifferences.com<\/a> as a valuable source of information in this regard.    <\/li>\n\n\n\n<li><strong>Fund size: <\/strong>A large fund volume is important as this generally makes trading more liquid (lower spread). There is also little risk of large funds being liquidated. (Investors do not lose their money when an ETF is liquidated. However, such forced reallocations can be cumbersome and generate additional fees). \u21d2    <strong>min. CHF 200 million <\/strong><\/li>\n\n\n\n<li><strong>Launch date:<\/strong> The fund should have been on the market for several years. This enables private investors to make more meaningful performance comparisons (see Figure 1 below). ETFs that have been on the market for at least <strong>5 years<\/strong> are ideal.  <\/li>\n\n\n\n<li><strong>Replication method:<\/strong> Since synthetic ETFs entail additional (counterparty) risk and (therefore) exhibit a downward market trend, we prefer <strong>physical replication <\/strong>. This includes full replication as well as optimized sampling.<\/li>\n\n\n\n<li><strong>Allocation of profits:<\/strong> You can choose between <strong>distributing<\/strong> and <strong>accumulating<\/strong> ETFs. Ultimately, it is <strong>a matter of taste<\/strong> which form of distribution you choose. Both distributed and accumulating dividends must be taxed. If you are motivated by regular dividend credits to your account, you should choose distributing products. If you want to have the dividends reinvested immediately and automatically, you should opt for accumulating products.    <\/li>\n\n\n\n<li><strong>Currency hedging:<\/strong> This <strong>should be avoided<\/strong> in a globally diversified portfolio <strong>for cost reasons.<\/strong><\/li>\n\n\n\n<li><strong>Trading currency: <\/strong>If the trading currency is not Swiss francs, currency exchange costs will be incurred. However, you can minimize these costs by using online currency exchange offices such as Wise (formerly Transferwise). <\/li>\n\n\n\n<li><strong>Fund domicile:<\/strong> This should be attractive from a tax perspective (see the topics of <a href=\"\" target=\"\" rel=\"noopener\">withholding tax<\/a> and <a href=\"\" target=\"\" rel=\"noopener\">foreign withholding tax<\/a> in our <a href=\"\" target=\"\" rel=\"noopener\">ETF Tax Switzerland report<\/a>). <\/li>\n<\/ul>\n\n<p>In this detailed <a href=\"\/?p=9536\" target=\"_blank\" rel=\"noopener\">ETF comparison<\/a>, we have awarded prizes to the <strong>best products<\/strong> that meet or exceed all the requirements listed above.<\/p>\n\n<p>If sustainability is important to you in your investment, you should also take <strong>ESG criteria<\/strong> into account when choosing an ETF (see our article <a href=\"\" target=\"\" rel=\"noopener\">&#8220;Green equities: 40 ETFs compared&#8221;<\/a>). <\/p>\n\n<p>ETFs are purchased via the stock exchange. You will need a suitable broker for this (see <a href=\"\" target=\"\" data-type=\"\" data-id=\"\" rel=\"noopener\">our recommendations<\/a>). <\/p>\n\n<p class=\"has-text-align-center\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><strong><span style=\"color: #37c392; font-size: 14pt;\"><em>&#8211; Partner Offer &#8211;<\/em><\/span><\/strong><\/span><\/i><\/span><\/span><\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.degiro.ch\/?tap_a=55321-c5c085&amp;tap_s=1016265-b529be&amp;utm_source=schweizerfinanzblog&amp;utm_campaign=DEGIRO+Switzerland&amp;utm_medium=a&amp;utm_content=shares_lp\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/11\/DEGIRO_Banner_EN.png\" alt=\"\" class=\"wp-image-6721\"\/><\/a><\/figure>\n<\/div>\n<p class=\"has-text-align-center\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><strong>&#8211; &#8211; &#8211; &#8211; &#8211;<\/strong><\/span><\/i><\/span><\/span><\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"ETFs_in_comparison\"><strong>ETFs in comparison<\/strong><\/span><\/h3>\n\n<figure class=\"wp-block-image alignnone\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/12\/ETFs-im-Vergleich.png\" alt=\"ETFs in comparison\"\/><figcaption class=\"wp-element-caption\">Figure 1: ETFs in comparison.<\/figcaption><\/figure>\n\n<p>As a <strong>non-binding decision-making aid<\/strong>, Figure 1 provides you with an overview of ETFs that meet the above-mentioned factors and our <strong>minimum requirements<\/strong> in this regard. In addition, these are products that can be purchased via the domestic SIX stock exchange using a corresponding online broker. <\/p>\n\n<p>The chart shows that after such a selection, a <strong>manageable selection<\/strong> of &#8220;suitable&#8221; and comparable ETFs remains from the original 1,300 ETFs.<\/p>\n\n<p>The fact that the <strong>tracking difference<\/strong> is sometimes lower than the costs (TER) is mainly due to additional income from securities lending and withholding taxes. The latter can be partially reclaimed by the ETF providers. Both effects, <strong>securities lending<\/strong> and <a href=\"https:\/\/schweizerfinanzblog.ch\/etf-steuern-schweiz-mit-4-steuerspartipps\/\" target=\"_blank\" rel=\"noopener\"><strong>tax optimization<\/strong><\/a>increase the performance of the ETF or reduce the tracking difference and are therefore fundamentally <strong>positive <\/strong>for the investor.  <\/p>\n\n<p>Figure 2 shows the <strong>performance of<\/strong> the ETF &#8220;iShares Core MSCI World UCITS ETF USD (Acc)&#8221; (see also Figure 1 above) and the corresponding benchmark index.  <img decoding=\"async\" style=\"color: #23292b;\" title=\"ETFs\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/12\/Kursentwicklung-iShares-ETF-Tracking-Difference.png\" alt=\"ETF and fund performance\" width=\"720\" height=\"315\"\/><\/p>\n\n<p>Figure 2: Performance of the ETF &#8220;iShares Core MSCI World UCITS ETF USD (Acc)&#8221; and the benchmark index (source: iShares factsheet dated October 31, 2018).<\/p>\n\n<p>The two curves are <strong>almost identical<\/strong>, which is <strong>positive<\/strong> from the investor&#8217;s point of view and speaks in favor of the ETF. After all, an ETF should track the benchmark index as closely as possible. <\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Conclusion\">Conclusion<\/span><\/h2>\n\n<p>ETFs are practical and cost-effective instruments for private investors to invest in the <strong>global equity market<\/strong>.<\/p>\n\n<p>As our example has shown, only <strong>two ETFs<\/strong> based on the <strong>MSCI<\/strong> or<strong> FTSE<\/strong> indices are sufficient for a global portfolio.<\/p>\n\n<p>When choosing a product, it is advisable to select a <strong>physically replicating<\/strong> ETF, which is characterized in particular by <strong>low costs<\/strong>, a <strong>low tracking difference<\/strong> and a <strong>large fund volume<\/strong>.<\/p>\n\n<p>In the <a href=\"https:\/\/schweizerfinanzblog.ch\/etf-kaufen-so-einfach-gehts\/\" target=\"_blank\" rel=\"noopener\">next blog post<\/a>, we will show you how to buy an ETF online on the stock exchange.<\/p>\n\n<p>You can get a complete overview of the topic of &#8220;Investing&#8221; here: Learning to <a href=\"https:\/\/schweizerfinanzblog.ch\/investieren\/\" target=\"_blank\" rel=\"noopener\">invest<\/a> &#8211; in eight lessons.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"This_might_also_interest_you\">This might also interest you<\/span><\/h2>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-list-component\/post-list-component.css\">\n\n<div class=\"post-list-componenet pt-2 pb-4\">\n\t<div class=\"row\">\n\t\t\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/best-etfs-switzerland-and-global\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1280\" 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class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/asset-allocation\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"784\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/Asset-Allocation.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Figure 5: Asset allocation is probably the most important success factor when investing money\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/Asset-Allocation.jpg 8981w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/Asset-Allocation-768x314.jpg 768w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Asset allocation: the nuts and bolts of your investment<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Disclaimer\">Disclaimer<\/span><\/h2>\n\n<p><strong>Disclaimer: <\/strong>Investing involves risks of loss. You must decide for yourself whether you want to bear these risks or not. <\/p>\n\n<p><strong>Errors excepted:<\/strong> We have written this article to the best of our knowledge and belief. Our aim is to provide you as a private investor with the most objective and meaningful financial information possible. However, should we have made any errors, forgotten important aspects and\/or no longer have up-to-date information, we would be grateful if you could let us know.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the last article, we reported on ETFs in general terms and showed why this investment vehicle is so attractive for private investors in particular. With the success of ETFs, the range on offer has grown steadily and, unfortunately, so has the complexity. Well over 1,000 ETF products are now traded on the SIX Swiss [&hellip;]<\/p>","protected":false},"author":1,"featured_media":7829,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[177],"tags":[],"class_list":["post-9546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etfs-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=9546"}],"version-history":[{"count":5,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9546\/revisions"}],"predecessor-version":[{"id":10232,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9546\/revisions\/10232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/7829"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=9546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=9546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=9546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}