SPDR MSCI World Financials vs Xtrackers MSCI World Financials
SPDR MSCI World Financials and Xtrackers MSCI World Financials both track MSCI World Financials. 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
| SPDR MSCI World Financials | Xtrackers MSCI World Financials | |
|---|---|---|
| TER | 0.30% | 0.25% |
| Hist. return* | ~7% | ~7% |
| ISIN | IE00BYTRR970 | IE00BM67HL84 |
| Replication | Physical | Physical |
| Distribution | Accumulating | Accumulating |
| Domicile | Irlanda | Irlanda |
The real cost: TER compounded
Contributing €300/month over the same years to both funds, here's the final wealth:
| Horizon | SPDR MSCI World Financials | Xtrackers MSCI World Financials | Difference |
|---|---|---|---|
| 10 years | €51,362 | €51,505 | €143 |
| 20 years | €151,549 | €152,472 | €923 |
| 30 years | €346,974 | €350,400 | €3,426 |
Xtrackers MSCI World Financials 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 SPDR MSCI World Financials and Xtrackers MSCI World Financials?+
Both track MSCI World Financials, so the expected gross return is the same. The difference is the fee: 0.30% for SPDR MSCI World Financials vs 0.25% for Xtrackers MSCI World Financials.
Which one is cheaper over the long run?+
With €300/month over 20 years, Xtrackers MSCI World Financials would end up with roughly €923 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.
* 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.