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- 10 март 2022
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Јас сум на нешто трето и според ГПТ немало голема разлика меѓу VUAA и VAUG за S&P500 освен валутата. Инаку иницијално сакав светски индекс наместо овој па бев посоветуван дека 70% од твој светски индекс е пак америка. Така да ако паднел американски пазар неминовно ќе удри и на светскиот индекс а во меѓувреме светскиот помал поврат има. А за менување платформа ќе треба да истражам
Автоматски споено мислење:
With $2,000 initially + about $100/month for many years, I’d actually favor Trading 212 for your current stage, mainly because your monthly contribution is small.
Trading 212 charges 0 trading commission and 0 custody fee; its main broker-level cost is the 0.15% FX fee when the ETF is in a different currency from the cash used for the order. �
Trading 212 +1
By contrast, IBKR’s recurring-investment feature still uses its normal commissions. For many EUR-listed European ETFs, tiered pricing has a €1.25 minimum per order. � On a roughly €100 monthly purchase, that minimum is about 1.25% of every contribution, before considering anything else. That's significant for a small monthly investment.
Interactive Brokers +1
So for your plan, the practical comparison is roughly:
Your situation
Trading 212
IBKR
Initial ~$2,000
Very suitable
Very suitable
$100 monthly purchases
Particularly cost-efficient
Minimum commission matters
Automatic monthly investing
Yes
Yes
Trading commission
$0
Typically minimum commission
FX if conversion required
0.15%
AutoFX typically ~0.03%
More advanced brokerage features
Basic
Much stronger
IBKR's AutoFX is cheaper at around 0.03%, but at your contribution size the ETF trading commission is the more important difference. �
Interactive Brokers
What I'd do in your position
I'd keep the existing ~$2,000 in Trading 212 and continue investing $100/month there. I wouldn't move to IBKR simply because IBKR is considered a more sophisticated broker.
More importantly, I'd optimize the currency of the ETF you're buying. You currently own:
VUAG → GBP listing
If you're depositing GBP, that's fine.
But if you're funding Trading 212 with EUR, buying a EUR-traded listing of the same Vanguard S&P 500 UCITS fund can avoid repeatedly paying EUR→GBP FX. Likewise, if you're funding with USD, the USD listing may be more convenient. Trading 212 applies the 0.15% FX charge when the security and order currencies differ. �
Trading 212
For a simple long-term strategy, something like this is entirely reasonable:
$2,000 starting investment
→ one accumulating S&P 500 UCITS ETF
→ $100 automatically every month
→ don't react to short-term market drops
→ continue for 15–30+ years.
Trading 212 specifically supports recurring automatic investment into a single ETF, so you don't even need a multi-asset Pie for this. �
Trading 212
When IBKR becomes more compelling
If later you're investing, say, several hundred or thousands per transaction, the €1.25-type minimum commission becomes proportionally tiny. At that point IBKR's broader market access, reporting, execution infrastructure and FX pricing become more relevant.
There's also another option if you eventually want IBKR but still contribute only $100/month: accumulate cash and buy less frequently. For example, rather than paying a minimum commission 12 times each year, you could make a larger ETF purchase every few months.
But right now, with $2k + $100/month, I wouldn't complicate things. Trading 212 is well suited to this particular contribution size.
One thing I would change depending on how you fund the account is whether you should keep buying VUAG in GBP or start buying the same Vanguard fund in EUR/USD. That could save you more than changing brokers.
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