TER
Teradyne, Inc. Common Stock
stock NASDAQ

Just take the meta money and use it to buy more NVDA and some CLS or TER and you’re good

Falls deine monatliche Sparrate höher als €500 ist, könntest du diese auf mehrere ETFs auf denselben Index aufteilen. Bei €1000 Sparrate beispielsweise:
€500 Xtrackers MSCI World (WKN: A1XB5U)
€500 Amundi Core MSCI World (WKN: ETF146) -> [https://www.sbroker.de/etf-portrait?id=447804213](https://www.sbroker.de/etf-portrait?id=447804213)
Haben beide 0,12% TER (und evtl. ähnliche Tracking Differences) und sind bei S Broker bis €500 kostenlos besparbar. Sind auch beide thesaurierend und physisch replizierend.

Mir persönlich wurden irgendwann mal ETFs eingestampft, auch von Amundi. Sowas nervt. Wenn man das schon mehrere Jahrzehnte machen möchte, will man einfach einen Fond der eine extreme Größe hat und bestehen bleibt. Da ist der heilige Grahl eben einfach sehr gut dabei.
Jemand anderes hat es auch schon gesagt: Es zählt nicht nur die TER, sondern auch die Tracking Difference welche vor ein paar Jahren auch schon mal bei -0,04% lag. Ich glaube ich hatte auch mal einen Vergleich auf YouTube gesehen, bei dem der A2PKXG zum Teil andere ETFs ausgestochen hatte, die niedrigere TER hatten.
Außerdem gefällt mir, dass Vanguard "nur" eine Investmentgesellschaft, die Fonds verwaltet, aber kein eigenes Bilanzrisiko eingeht. Gegenbeispiele: State Street (SPDR) oder BlackRock (iShares), welches beide Aktiengesellschaften sind.

Don't worry about the comments, this is just fine. I would add bonds but you mentioned you aren't interested in it.
I have something similar cause it lets me control my country/regional allocations. Most all world options have over 60% usa which i dont preference, although I do see you have pretty much the same, so just ensure that your TER is not higher than the all world options (usually around 0.2
I cant really comment on your sector pie as i dont do sector based etfs, but i would suggest you keep that to 10% only as it is much riskier, unless ofcourse you are happy with the overlap and higher risk

Regulator is more cautious about "eye balls" and image . They will claim that they have punished mutual funds by cutting their TER as it's is a very popular product now, or insurance commission or brokerage is reduced ..
But scamming promoters like these will walk away and dump the stock on unsuspecting retail via Mutual Funds
Try getting a credit line of 2Cr as a normal business owner and we will realize how tough it is to access credit.

To be honest it's been a bit since I've looked into the decision. Anything tracking the FTSE all world or the SPDR ACWI would be roughly the type of thing I'm looking for - just consider tracking error & / or expense ratios (there was a good thread on this yesterday, but tldr is that tracking error may be a better metric to track, well, tracking error than TER alone)
This isn't to say I think S&P 500 (which is what I assumed you were referring to) is bad I just think as a general recommendation it's overweight large cap US - which is a decision rather than the default.

SEBI has just proposed a major overhaul of how mutual funds in India charge investors, and it might actually change the way we look at fund costs.
According to Reuters and Economic Times, the regulator wants to simplify the fee structure, cut down on hidden costs, and make the entire system more transparent. Under the proposal, taxes and statutory levies like GST, STT, and stamp duty would no longer be part of the Total Expense Ratio (TER), they’ll still be charged but shown separately so investors can see exactly where their money is going.
The most notable change, though, is SEBI’s plan to lower the cap on brokerage and transaction costs that mutual funds can pass on to investors. Right now, those costs can go up to 12 basis points in the cash market and 5 in derivatives, but SEBI wants to slash them to just 2 and 1 basis points respectively. It’s also looking to remove the additional five basis-point charge that fund houses were allowed to levy earlier. On paper, these might sound like tiny numbers, but over years of SIPs and compounding, they can make a visible difference to long-term returns.
For investors, this could mean lower expenses and much clearer disclosures. You’ll be able to see how much of your TER is management fee and how much is tax or trading cost. But for fund houses and distributors, it’s a different story, their margins could take a hit. That’s why we’re already seeing AMC stocks like HDFC AMC and Nippon Life AMC drop after the announcement. Some fund managers have hinted that this kind of regulation might push them to rethink how they structure their costs or services.
The consultation is open till 17 November 2025, and SEBI has asked for public feedback before finalising the rules. If this goes through, it could mark a big step toward fairer pricing and better transparency in India’s mutual fund industry. But the real test will be in execution, whether lower TERs actually translate into lower costs for retail investors, or whether the industry finds new ways to repackage them.
What do you think, will SEBI’s move genuinely help investors save more, or will AMCs just shift costs around under new labels?

Just take the meta money and use it to buy more NVDA and some CLS or TER and you’re good

Falls deine monatliche Sparrate höher als €500 ist, könntest du diese auf mehrere ETFs auf denselben Index aufteilen. Bei €1000 Sparrate beispielsweise:
€500 Xtrackers MSCI World (WKN: A1XB5U)
€500 Amundi Core MSCI World (WKN: ETF146) -> [https://www.sbroker.de/etf-portrait?id=447804213](https://www.sbroker.de/etf-portrait?id=447804213)
Haben beide 0,12% TER (und evtl. ähnliche Tracking Differences) und sind bei S Broker bis €500 kostenlos besparbar. Sind auch beide thesaurierend und physisch replizierend.

Mir persönlich wurden irgendwann mal ETFs eingestampft, auch von Amundi. Sowas nervt. Wenn man das schon mehrere Jahrzehnte machen möchte, will man einfach einen Fond der eine extreme Größe hat und bestehen bleibt. Da ist der heilige Grahl eben einfach sehr gut dabei.
Jemand anderes hat es auch schon gesagt: Es zählt nicht nur die TER, sondern auch die Tracking Difference welche vor ein paar Jahren auch schon mal bei -0,04% lag. Ich glaube ich hatte auch mal einen Vergleich auf YouTube gesehen, bei dem der A2PKXG zum Teil andere ETFs ausgestochen hatte, die niedrigere TER hatten.
Außerdem gefällt mir, dass Vanguard "nur" eine Investmentgesellschaft, die Fonds verwaltet, aber kein eigenes Bilanzrisiko eingeht. Gegenbeispiele: State Street (SPDR) oder BlackRock (iShares), welches beide Aktiengesellschaften sind.

Don't worry about the comments, this is just fine. I would add bonds but you mentioned you aren't interested in it.
I have something similar cause it lets me control my country/regional allocations. Most all world options have over 60% usa which i dont preference, although I do see you have pretty much the same, so just ensure that your TER is not higher than the all world options (usually around 0.2
I cant really comment on your sector pie as i dont do sector based etfs, but i would suggest you keep that to 10% only as it is much riskier, unless ofcourse you are happy with the overlap and higher risk

Regulator is more cautious about "eye balls" and image . They will claim that they have punished mutual funds by cutting their TER as it's is a very popular product now, or insurance commission or brokerage is reduced ..
But scamming promoters like these will walk away and dump the stock on unsuspecting retail via Mutual Funds
Try getting a credit line of 2Cr as a normal business owner and we will realize how tough it is to access credit.

To be honest it's been a bit since I've looked into the decision. Anything tracking the FTSE all world or the SPDR ACWI would be roughly the type of thing I'm looking for - just consider tracking error & / or expense ratios (there was a good thread on this yesterday, but tldr is that tracking error may be a better metric to track, well, tracking error than TER alone)
This isn't to say I think S&P 500 (which is what I assumed you were referring to) is bad I just think as a general recommendation it's overweight large cap US - which is a decision rather than the default.

SEBI has just proposed a major overhaul of how mutual funds in India charge investors, and it might actually change the way we look at fund costs.
According to Reuters and Economic Times, the regulator wants to simplify the fee structure, cut down on hidden costs, and make the entire system more transparent. Under the proposal, taxes and statutory levies like GST, STT, and stamp duty would no longer be part of the Total Expense Ratio (TER), they’ll still be charged but shown separately so investors can see exactly where their money is going.
The most notable change, though, is SEBI’s plan to lower the cap on brokerage and transaction costs that mutual funds can pass on to investors. Right now, those costs can go up to 12 basis points in the cash market and 5 in derivatives, but SEBI wants to slash them to just 2 and 1 basis points respectively. It’s also looking to remove the additional five basis-point charge that fund houses were allowed to levy earlier. On paper, these might sound like tiny numbers, but over years of SIPs and compounding, they can make a visible difference to long-term returns.
For investors, this could mean lower expenses and much clearer disclosures. You’ll be able to see how much of your TER is management fee and how much is tax or trading cost. But for fund houses and distributors, it’s a different story, their margins could take a hit. That’s why we’re already seeing AMC stocks like HDFC AMC and Nippon Life AMC drop after the announcement. Some fund managers have hinted that this kind of regulation might push them to rethink how they structure their costs or services.
The consultation is open till 17 November 2025, and SEBI has asked for public feedback before finalising the rules. If this goes through, it could mark a big step toward fairer pricing and better transparency in India’s mutual fund industry. But the real test will be in execution, whether lower TERs actually translate into lower costs for retail investors, or whether the industry finds new ways to repackage them.
What do you think, will SEBI’s move genuinely help investors save more, or will AMCs just shift costs around under new labels?

I tried to find resources on this online but I couldn't find anything relevant. Before coming to the question let me explain my understanding of Mutual funds.
Direct Mutual Funds: We buy the mutual fund units directly from the AMC. The AMC charges its Expense Ratio (TER) as it's income.
Regular Mutual Funds: We buy the mutual funds through an intermediary (a broker, a financial advisor or another AMC). There is an additional expense ratio that is charged, on top of the original expense ratio charged by the AMC, making the TER slightly higher.
Here is my confusion,
1. I am assuming the fund stays with the Broker, since they get a yearly cut on the growth that happens to the mutual fund units. But if that's the case, how could apps like KFinKart or MFCentral show the mutual funds details without me providing any information about the broker. That means there must be something central where my mutual fund stays. But if that's the case how does the broker get perpetual yearly cut?
2. If there is a central repository then can I buy or sell the Mutual Fund Units without referring to my broker?
3. Third and the main question, what would happen if the broker goes bust or runs away? How can I redeem my money?
I apologize if the question is very trivial. I want to clarify my understanding before investing through a broker.
(The point of the question is not Direct vs Regular MF. I have my reasons to go through a financial advisor. I just want to know how safe it is.)

Didn’t really have any theta plays today. Trying my best to not fuck it up on earnings. Honestly surprised I dodged the knives on FI and VRNS.
Might get assigned some META shares here. Have a GOOGL 300c 1/16 that should do well, sold a 310c 10/31 against it. Threw a put lotto out there on MSFT 497.5 10/31, probably cooked. Feeling meh despite having wins on CAT and TER today. Should probably take a break and reset

Would be really interesting to see International FoF-based MFs justify their absurdly high TER, if this paper turns into something real IRL.

Very well explained OP.
I second SEBI's intervention as AMCs are swimming in profits from TER. They're profiting from derivatives, hedging and then TER on top of all that. SBI infrastructure fund direct growth has raised its TER from 0.35% to current 1.1% in the past 1 year, that too when the fund is making losses. High time, AMCs are held by their collars and made accountable.

Moin liebe r/Finanzen Community,
Ich überlege in den Vanguard FTSE All-World UCITS ETF (Gral) einzusteigen. Allerdings würde ich gerne ein bisschen Flexibilität reinbringen und nicht nur in einen ETF investieren, um ggfs. zukünftig eine eigene Gewichtung vorzunehmen - insbesondere wenn das Portfolio irgendwann sehr groß ist. Wäre es alternativ möglich in den Vanguard FTSE Developed World UCITS ETF und den Vanguard FTSE Emerging Markets zu investieren, um zb ein 70/30 Portfolio zu erstellen? Von der TER macht es keinen großen Unterschied und in der Community wurde hierüber bislang noch nicht viel geschrieben. Lasst mal eure Meinung hören und ob ich etwas übersehen habe :)

Just refer any funds TER history. You would've started the SIP by looking at lower expense ratio. But the fund house will keep increasing the TER every few weeks/months. Almost every fund house. You will receive a mail saying "Change in TER" .. This has huge implications for the investors. If you still believe this is not a scam, then god bless you.
The fund houses mentality is that nobody going to protest, so why not increase it to pocket more every now and then.