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nicwortel / indexfondsenvergelijken.nl

A comparison website for index funds, ETF's, banks and brokers in the Netherlands
https://www.indexfondsenvergelijken.nl/
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Update portfolios.json #52

Closed nino070 closed 3 months ago

nino070 commented 4 months ago

Hi, CARIW and CARIEM are also available through ING and DeGiro

nicwortel commented 3 months ago

Thanks @nino070!

thoutenbos commented 3 months ago

Is the pricing for DeGiro correct now? As it is listed as “free”. Are both mutual funds part of the kernselectie?

jakedane commented 3 months ago

@thoutenbos good catch and I think you're right as the Cardano mutual funds are not in the free selection. There should be a transaction fee and service fee.

A fix could be to add a separate entry in https://github.com/nicwortel/indexfondsenvergelijken.nl/blob/master/data/brokers.json for DEGIRO non-free mutual funds with the fees. Same as there are 2 entries for Saxo.

I note that ABN AMRO Zelf Beleggen Plus (not Basic) has these funds as well and for larger portfolios would be cheaper than DEGIRO and ING.

nicwortel commented 2 months ago

Is the pricing for DeGiro correct now? As it is listed as “free”. Are both mutual funds part of the kernselectie?

Sorry, I forgot to reply to this! The Cardano funds are indeed not part of the 'kernselectie'.

The changes introduced in ecbb6990510546676c99f6ac3a97774029405a70 should fix this by introducing the concept of 'fund selections' such as the kernselectie and making sure that only funds which are included in the list get the discount on the transaction fees.

This has moved DEGIRO to the second place for the Cardano funds for the default inputs.

thoutenbos commented 2 months ago

I think the "Service Fee" for DeGiro is still missing. This is 0,2% per year for Mutual funds on Euronext.

nicwortel commented 2 months ago

Yes, you are correct. Unfortunately, in the current implementation the Kernselectie can only affect transaction costs, not service fees. I'm afraid it will be quite some work to modify the code, as currently it just calculates the service fee based on the total value of the portfolio without access to more detailed information.

I guess the easiest solution for now is to create a second broker again just for this portfolio (CARIW + CARIEM), where the service fee is set to 0.20%.