IWDA vs CSPX: Differences, Fees and Returns
CSPX is cheaper: it charges 0.07% a year against 0.20% for IWDA. That is €13 less a year per 10,000 invested; over a plan of 10,000 up front plus 200 a month for 30 years, the accumulated cost gap comes to about €9,094.
They do not track the same thing: IWDA follows the MSCI World and CSPX the S&P 500. Any difference in returns will come mainly from that exposure, not from the fee.
Head-to-head comparison
| IWDA | CSPX | |
|---|---|---|
| Name | iShares Core MSCI World UCITS ETF USD (Acc) | iShares Core S&P 500 UCITS ETF USD (Acc) |
| Provider | iShares | iShares |
| Index | MSCI World | S&P 500 |
| TER | 0.20% | 0.07% |
| Type | ETF | ETF |
| Domicile | Ireland | Ireland |
| Dividends | Accumulating | Accumulating |
| Launch date | September 25, 2009 | May 19, 2010 |
| Fund size | €129.8B | €136.2B |
| ISIN | IE00B4L5Y983 | IE00B5BMR087 |
| Available to EU retail investors | Yes | Yes |
| Tax-free switch (Spain) | No | No |
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Frequently Asked Questions
CSPX is cheaper: it charges 0.07% a year against 0.20% for IWDA. That is €13 less a year per 10,000 invested; over a plan of 10,000 up front plus 200 a month for 30 years, the accumulated cost gap comes to about €9,094. They do not track the same thing: IWDA follows the MSCI World and CSPX the S&P 500. Any difference in returns will come mainly from that exposure, not from the fee.
IWDA (ETF) tracks the MSCI World with a 0.20% TER; CSPX (ETF) tracks the S&P 500 with a 0.07% TER.
Yes. Both are UCITS products sold to retail investors across the EU. ETFs are bought through brokers with access to European exchanges, and mutual funds through banks and fund platforms.