Amundi S&P 500 (Acc) vs Xtrackers S&P 500
Amundi S&P 500 (Acc) and Xtrackers S&P 500 both track S&P 500. Before fees, they should perform almost identically — so the annual fee (TER) is the single biggest factor separating what you'll actually end up with.
Comparison
| Amundi S&P 500 (Acc) | Xtrackers S&P 500 | |
|---|---|---|
| TER | 0.15% | 0.07% |
| Hist. return* | ~10% | ~10% |
| ISIN | LU1681048804 | LU0490618542 |
| Replication | Physical | Physical |
| Distribution | Accumulating | Accumulating |
| Domicile | Luxemburgo | Irlanda |
The real cost: TER compounded
Contributing €300/month over the same years to both funds, here's the final wealth:
| Horizon | Amundi S&P 500 (Acc) | Xtrackers S&P 500 | Difference |
|---|---|---|---|
| 10 years | €61,428 | €61,714 | €286 |
| 20 years | €225,262 | €227,621 | €2,359 |
| 30 years | €662,218 | €673,632 | €11,414 |
Xtrackers S&P 500 ends up with more wealth at all three horizons, purely thanks to its lower fee.
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Create free accountFrequently asked questions
What's the real difference between Amundi S&P 500 (Acc) and Xtrackers S&P 500?+
Both track S&P 500, so the expected gross return is the same. The difference is the fee: 0.15% for Amundi S&P 500 (Acc) vs 0.07% for Xtrackers S&P 500.
Which one is cheaper over the long run?+
With €300/month over 20 years, Xtrackers S&P 500 would end up with roughly €2,359 more, purely from the lower fee compounding over time.
Can I have both at the same time?+
Yes, nothing stops you — but since they track the same index, holding both mostly adds complexity (two lines to rebalance) without real diversification.
Does a lower TER always mean it's the better choice?+
Usually yes for two funds tracking the identical index, but also check replication method, distribution policy (accumulating vs distributing) and where you can actually buy it before deciding.
Other comparisons
* Indicative long-term annualized historical return of the benchmark index, not the fund. Always check the up-to-date TER, risk and data in the official factsheet linked. Past returns do not guarantee future returns.