Side by side

VWRA vs CSPX

The classic choice for non-US investors: the whole world in one fund, or only the 500 largest US companies. The US is already over 60% of VWRA, so the real question is how much you want outside it.

$
$
yrs
Same return for bothIsolates the effect of fees
%
A fair, like-for-like testBoth funds get the same return, so any difference comes from fees alone.
Subtract fund fees
Show in today's moneyAdjust for inflation
Currency

After 25 years

VWRA vs CSPX
VWRA
$451,472
7% − 0.14% fee · fees cost $10,819
CSPX
$456,844
7% − 0.07% fee · fees cost $5,446

CSPX ends $5,372 ahead (1.2% more), entirely because of its lower fee.

You put in $160,000 either way.

How they differ

VWRACSPX
IndexFTSE All-WorldS&P 500
Fee (TER)0.14%0.07%
DividendsAccumulatingAccumulating
DomicileIrelandIreland
ListingLondon Stock Exchange (USD)London Stock Exchange (USD)
ProviderVanguardiShares

Highlighted rows are where the two funds differ.

Growth side by side

Hover or tap the chart for any year
VWRA balanceYour contributionsCSPX
$0$125k$250k$375k$500kNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 25

Assumes monthly compounding at constant rates with contributions at the end of each month. Before personal taxes. Educational estimate only — real returns vary year to year.

Key differences

  • VWRA tracks the FTSE All-World; CSPX tracks the S&P 500. That is the biggest difference in what you actually own.
  • CSPX is cheaper: 0.07% a year versus 0.14%. On $10,000 plus $500 a month for 25 years at 7%, that fee gap is worth about $5,372.

About each fund

VWRA — Vanguard FTSE All-World UCITS ETF (USD) Accumulating

A single fund holding thousands of large and mid-sized companies across developed and emerging markets. Popular with investors outside the US who want one-fund global exposure with dividends reinvested automatically.

CSPX — iShares Core S&P 500 UCITS ETF (Acc)

Tracks the 500 largest US companies, domiciled in Ireland. Often used by non-US investors who want S&P 500 exposure with reinvested dividends and a lower dividend withholding tax than US-domiciled funds.

Fund details checked November 2026. Always confirm current figures on each provider's factsheet.

Questions about VWRA vs CSPX

Is VWRA or CSPX better?

It depends on what you want to own. VWRA gives you the FTSE All-World; CSPX gives you the S&P 500. Neither is guaranteed to do better — use the calculator above with different return assumptions to see the range.

Which is cheaper, VWRA or CSPX?

CSPX is cheaper at 0.07% a year, versus 0.14%. Fees checked November 2026; confirm with each provider.

Can I hold both VWRA and CSPX?

Yes. Some investors combine them to set their own mix, but check the overlap — many large companies may appear in both.

More comparisons

Other popular matchups