You missed some important points. They look the same. The largest holdings look similar.

But they follow different indices. VWRA follows FTSE All World Index, VT follows FTSE Global All-Cap Index.

Global All Cap has twice the no. of constituents compared to All World.

Global All cap includes small cap (All world excludes small caps), hence the larger no. of constituents.

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On top of that, VWRA follows Irish tax laws and Ireland's law, VT follows US law. They are different. Ireland is a tax haven. There is an added layer of country and regulatory risk not seen in VWRA superficially (the lower WHT comes with a hidden price).

Just something to note.

In the end, passive investing still depends on which indices you follow. Too many variants of indices on the streets and you will turn passive into active since people will start to compare indices (this index outperform that one... etc.)

Welcome to the VWRA and chill club 

If can get 3 person confirmed maybe can start a list of people who hold 80% VWRA or above    or some other arbitrary percentage that can qualify as VWRA and chill

Well you can add me to the club soon. 😜

Yeap, hence the eternal SP500 vs VT vs VXUS+VTI vs SWRD/IWDA+EIMI/WSML vs VWRA portfolio discussions and disagreements.

At this level of diversification and generally low costs, the choices among these start to become a way smaller concern, and the biggest impact is going to be the ability to ignore everything, deposit regularly, diligently until retirement.

Thanks for the value added replies!

I wished investing is as simple as that.

Anyway, good luck for our fellow Bogleheads. I support Bogle's movement actually. Time to take back Wall Street's money and reinvest them. :thumbsup:

All these ETFs are also run by Wall Street..

At least you pay less in terms of management fees compared to active funds. A lot less. Low single digit percent versus 0.1-0.5% is about one order of magnitude (compounded for long, you save a lot).

And you avoid the painstaking need to buy hundred or thousands of shares yourself. The managers' hands are tied to their backs. They must follow the index (a bit of nuance: this is only true for "fully replicated" ETFs, not for "index sampled" ETFs).

(My "Wall Street" figuratively represents the active fund managers, not "Wall Street" as a whole. )

Cant wait  But your VWRA holding is gonna be sub 50% for a quite a while first 

Yeah I know.

All Ze best bruh. 👀😬

300+ cheap le for a US stock.. Nvidia is around that range also.

Compare with Tesla, Alphabet (google), and Amazon they are much more expensive.

Still I have faith in Alphabet. Bought one recently. Looking forward to its stock split in July to see what happens. After stock split usually their prices will go up.. as some ppl will buy them to play options or more affordable for them at 100+.

And it would even be better if Msian can use EPF and Sporean can use CPF for the regular invest due to super low cost. Anyone know why cannot becuz there is still risk?

And it would even be better if Msian can use EPF and Sporean can use CPF for the regular invest due to super low cost. Anyone know why cannot becuz there is still risk?

EPF main mandate that any withdrawal for investment its has to be locally invest not abroad otherwise it cannot fund more MGS purchase

yea, Global Titan Fund by Principal no longer accepts EPF investment.. starting 1st April 2022. If I know earlier last month should have added more. Didn't read the fine print. 

hi any IBKR user can answr me?

i bought 1 share of VWRA, but the commission there stated 4.00

my order match 112.50, but cost is 116.00

anyone can enlighten me?

hi any IBKR user can answr me?

i bought 1 share of VWRA, but the commission there stated 4.00

my order match 112.50, but cost is 116.00

anyone can enlighten me?

hi any IBKR user can answr me?

i bought 1 share of VWRA, but the commission there stated 4.00

my order match 112.50, but cost is 116.00

anyone can enlighten me?

You are on the default fixed pricing. It is a trap by IBKR for new joiners. It was the first thing I checked coz I suspected as a business they will set this trap.

Indeed I was right.. immediately I changed it to Tiered Pricing right before my first trade.

Always check this before trade with any brokers. If they have settings for this make sure you are on the correct configuration.

Fixed pricing is only good for whales. We are normal retailers so tiered will benefit us more.

How to change that yea? Cannot be change already?