L&G Global Quality Dividends UCITS ETF $LDGL
Launched in January 2026. Already one of the most interesting new ETFs for European investors.
Here's why 🧵
The TER difference between $XDWD (0.12%) and $IWDA (0.20%) is just 0.08%.
On €50k invested for 30 years at 9%/yr:
→ IWDA: ~€593k
→ XDWD: ~€611k
That's +€18k — or roughly 2 extra years of freedom bought back.
Run the numbers for your amount 👉 etfhour.com/etfs/XDWD#ETF#UCITS#PassiveInvesting#XDWD#IWDA
Most European investors buy $IWDA at 0.20% TER.
$XDWD tracks the exact same index MSCI World at 0.12% TER.
That 0.08% difference compounds to months of your life over 30 years.
Here's everything you need to know.
FWRA is accumulating, it pays no dividends.
That's a feature, not a bug, when you're in wealth-building mode:
✅ Dividends reinvested automatically
✅ No dividend tax while you accumulate
✅ No decision of when to reinvest
You sleep. The ETF works.
0.15% TER sounds like nothing.
But over 30 years investing €500/month:
• 0.12% TER (FWRA) → ~€520k
• 0.50% TER → ~€490k
• 1.00% TER → ~€450k
The difference from fees alone? €70,000 gone.
Every tenth of a percent compounds against you.
If you could only pick 1 ETF to start with, what would it be?
Mine: Invesco FTSE All-World $FWIA / $FWRA
📈 +23% in 1 year
📈 +60% in 3 years (17%/yr CAGR)
💸 TER: 0.15% — one of the cheapest in the world
🏦 Fidelity · UCITS · Accumulating · IE domicile
Here's why it's my go-to pick for anyone just starting out 🧵
In the end, you're managing your own long-term holding. Run your life the way you'd want a manager running something you're invested in: and remember the goal was never a fixed destination. What compounds along the way is what actually built the value.
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