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Anonymous

29 Oct 2020

General Investing

What are the things to look out for in overseas ETF / index funds, and how to see them?

Interested in overseas ETF / index funds (are they the same?), But not sure what to look out for, and how to spot them, eg product summary, withholding tax?

Discussion (1)

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Hi anon, index funds usually mean unit trusts so they are different from ETFs. The main difference is the fees. ETFs charge lower fees in general.

To choose ETFs, you can refer to our article here.

Extract from the article:

"Here are some of the extra factors that can help you out:

  • Expense Ratio

To put it bluntly, the expense ratio is how much you are putting into the fund manager’s pocket. Expense ratio excludes the brokerage commissions when you buy and sell your ETF shares. If two ETFs are really too identical, expense ratio works.

Of course, there will always be a lot of other factors involved.

At times, one should not pay a Toyota price, hoping to get the performance of a Ferrari.

  • Liquidity

If a certain ETF does not trade a certain number of shares per day, it is best to avoid it. The lack of liquidity can result in difficulty trying to sell your ETF in future. For short-term ETF traders, this factor plays an even more important consideration.

  • Tracking error

High tracking error may indicate that an ETF is falling behind the index they are benchmarked with.

Of course, there can also be a time where ETF outperforms the benchmark.

  • Bid-Ask Spread

The bid-ask spread of an ETF in the stock market indicates how ready a market is. The more narrow the spread is, the more it facilitates trading."

If you buy ETFs listed in the US, you have to pay dividend withholding tax (30%) too.

We have recently also published an ultimate ETF list which you can choose to construct your ETF portfolio.

Hope this helps.​​​

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