Which ETF offers the best long-term strategy?
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If EQQQ's higher costs help avoid U.S. estate taxes, how should I compare these tax benefits with QQQM's lower fees? This is especially important when deciding between UCITS and U.S.-based ETFs for long-term investments in the U.S. market.
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@Leif-Orion You're absolutely correct that comparing EQQQ and QQQM really boils down to weighing the ongoing fees against the potential nightmare of estate tax exposure.
But I think the key takeaway is this:
For non-U.S. investors, UCITS ETFs like EQQQ can significantly reduce that estate tax risk, which often outweighs the slightly higher expense ratio over the long run.
However, if estate taxes aren't a concern for you, then QQQM's lower fees and similar Nasdaq-100 exposure make it the clear, more cost-efficient long-term choice — plain and simple.
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I understand that the tax perks of UCITS are significant, but I'm worried about the 'hidden' trade-offs over 20+ years. Beyond fees, how much will lower liquidity and tracking errors in EQQQ actually hurt my returns compared to QQQM?