SWRD vs IWDA vs VT? Which is a better option? And which SP500 ETFs would you recommend?

SWRD and IWDA both track the MSCI World Index, with SWRD having a lower expense ratio of 0.12% vs 0.20%.

VT tracks the FTSE Global All-Cap Index. It is US-domiciled, so dividends will be taxed at 30%. There is no Irish-domiciled equivalent, but the closest thing would be VWRA/VWRD which tracks the FTSE All-World Index. It is similar but does not include small-cap companies.

For S&P 500 ETFs, I suggest CSPX/VUAA (accumulating) or IDUS/VUSD (distributing). They are all Irish-domiciled and have an expense ratio of 0.07%.

For China market exposure you can consider the Vanguard Total China Index ETF (HKEX: 3169/9169), which tracks the FTSE Total China Connect Index. I would strongly discourage MCHI as it is US-domiciled and your dividends will be taxed at a rate of 30% instead of 10%.​​​

SWRD seems best:

-cheaper than IWDA (but maybe not relevantly so with a difference of 0.08%)

-because it accumulates, so You will not have hassle with reinvesting the very relevant dividend yield

-VT seems nice but then has the 30% U.S. domicile dividend withholding tax (Ireland: 15%), with dividends around 2% this becomes relevant

conclusion:

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