> I would be interested if anyone here knows of even lower fee funds.
www.justetf.com has a database with most of the available ETFs in Europe.
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> The most common online brokers in Germany are Cortal Consors (BNP Paribas), Comdirect (Commerzbank) and maxblue (Deutsche Bank).
Add DAB Bank, Onvista, Flatex, ING Diba, Sparkassen, Volksbanken and you might have the larger, more common ones. But there are many more.
> Vanguard has low-cost ETFs
As I have said before, owning Vanguard, for a variety of reasons, offer no advantages compared to the locally available stuff here, and has several disadvantages.
> denominated in a number of currencies:
The currency issue actually isn't an issue for us, most investors do not care. You guys seem to overcomplicate this, out of some fear of the unknown maybe?
Many ETFs and stocks that are traded here are denominated in dollars or other currencies, but we simply buy them through our brokers on the local stock exchange for Euros. If I for example want to buy Apple I don't care much about the €/$ exchange ratio, because Apple is traded here in Euros (well of course the exchange ratio influences the price, but that fluctuation just becomes part of the daily up and down and you don't see it). Of course we could buy Apple in NY for dollars, but why should we do that? It's much more expensive, the different currencies complicate everything, and it takes much more time until the stock shows up in our accounts. That's why we buy all that stuff locally.