Yes you are correct, 0.1 means each year you lose
0.1 EURO for every 100
1 EURO for every 1000
1,000 EURO for every 1,000,000
VWRL is just about the best, yes, it contains developed and emerging all in one, which is very nice. It is missing small caps, but that's optional and you are already globally diversified without it.
It is the distributing one recommended at
bogleheads for EU investors.
For countries where you can can delay tax on dividends being re-invested and have it treated as capital gains, accumulation funds are better and the option is generally IWDA/IEME, which is a little cheaper too and also mentioned in the above link.
I can not get to the Lyxor site. They have a damn popup asking me to check the box for terms and conditions and then click if I am a private investor or a professional, and when I check, it reloads and shows the god damn popup again, so I can't get to the site.
I do recall recently there was one for 0.12 ER, let me try find the thread for you. Ah
here it is. I have not looked at it since I am not European, just heard it mentioned there.
Don't waste your time with high dividend stocks. The amount paid out as a dividend is arbitrary and has nothing to do with your total return, and by tilting to high dividend stocks, you are less diversified, bringing in concentration risk for no benefit.
No need for S&P500 as all and more is already in VWRL and IWDA.
Here is the bogleheads EU sub-forum, with some very knowledgeable people on there to help.
Also worth a search and a read of other posts.
