# What's the difference ETFs' world **URL:** \ **Category:** đź“Š Investing\ **Created:** [December 25, 2020, 2:10pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258 "2020-12-25T14:10:25Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 25, 2020, 2:10pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/1 "2020-12-25T14:10:25Z")
Hi guys, thanks for all your messages I am learning a lot. Everyday my portfolio looks stronger and ready for the long term. I have a question though. In my research for ETFs I don’t really understand what is the difference but the currency between some and I’d like some clarification. VUSA IUSA VUAA What’s the difference? Having in mind I am not from the UK and I do Euros… Which one of these three make more sense for someone like me? Another question: This one is the same but it is hedged, right? IUSE. Which means that I am “protected against currency impact” is this correct? But the anual cost is more expensive as well. I am lost. So is it really worthy? Thanks for your help. ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.trading212.com/u/phildawson)\ **Post date:** [December 25, 2020, 2:50pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/2 "2020-12-25T14:50:36Z")
VUSA and IUSA track the same basically and are **distributed** so they pay dividends separately. V for Vanguard, I for iShares which provide the index. The VUAA is **accumulating** so the dividends are reinvested back in automatically. With any ETF it’s worth looking at the holdings it tracks. [https://finance.yahoo.com/quote/VUSA.L/holdings/](https://finance.yahoo.com/quote/VUSA.L/holdings/) [https://finance.yahoo.com/quote/IUSA.L/holdings/](https://finance.yahoo.com/quote/IUSA.L/holdings/) [https://finance.yahoo.com/quote/VUAA.L/holdings/](https://finance.yahoo.com/quote/VUAA.L/holdings/) ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 25, 2020, 3:03pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/3 "2020-12-25T15:03:09Z")
What I meant is. If one is in GBP and the other one in EUR… Makes more sense buy positions in the EUR so I won’t be affected by GPB exchange in the future, right? ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.trading212.com/u/phildawson)\ **Post date:** [December 25, 2020, 3:08pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/4 "2020-12-25T15:08:11Z")
**Distributed** VUSA is in pounds (GBP) VUSD is in dollars (USD) IUSA is in pence (GBX) **Accumulating** VUAG is in pounds (GBP) VUAA is dollars (USD) ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 25, 2020, 3:14pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/5 "2020-12-25T15:14:31Z")
It appears in EUR ![Screenshot_20201225-101226](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/2/2753d3683d000b3b9fe1b72e44c09abd3ce238c2.png) ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 25, 2020, 3:17pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/6 "2020-12-25T15:17:06Z")
Is it better distributed or accumulated for long term? I mean if it is distributing I may have an extra income in the future. But if it is accumulating how do you do when retired? Sell a little bit each month? ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.trading212.com/u/phildawson)\ **Post date:** [December 25, 2020, 3:19pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/7 "2020-12-25T15:19:40Z")
It’s that the ticker is shared across exchanges in EUR and I think Mexican pesos. If you see instrument details the one you screengrabed is the Euronext Amsterdam. ![Screenshot_20201225-152023](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/d/dbf0cf2b1a5dafe5fd9ecc21b7ccf4b4f926bbaf.png) The only difference with dist and acc is that with dist it’s then your choice each dividend payout whether or not to reinvest or use the cash elsewhere. ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 25, 2020, 3:29pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/8 "2020-12-25T15:29:26Z")
Gotcha. So basically they are the same. The only difference by buying the one in Euros is that I won’t be affected by the GBP in the future. ---
**Author:** ![Tedk99](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tedk99/32/10285_2.png) [@Tedk99](https://community.trading212.com/u/Tedk99)\ **Post date:** [December 25, 2020, 8:47pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/9 "2020-12-25T20:47:00Z")
![Screenshot_20200330-162414_Opera](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/c/c4597fbb29b1c0b8e6f048cffa98d52deb0b1cef.jpeg) ![Screenshot_20200411-095648_Opera](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/4/4feb543d534c21c8a68ff4f0e1904bc95fa9af1b.jpeg) ![Screenshot_20200411-095545_Opera](https://europe1.discourse-cdn.com/flex013/uploads/trading212/original/2X/5/538df0695e247d9769ad28d35f5f001e902630b6.jpeg) ---
**Author:** ![Vedran](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/vedran/32/182_2.png) [@Vedran](https://community.trading212.com/u/Vedran)\ **Post date:** [December 25, 2020, 8:51pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/10 "2020-12-25T20:51:19Z")
> [@Trader121](#): > > Is it better distributed or accumulated for long term? I mean if it is distributing I may have an extra income in the future. But if it is accumulating how do you do when retired? Sell a little bit each month Distributed vs Accumulated depends on your local country laws. Some countries don’t tax Accumulated for their reinvested dividend. Thus folks from those countries benefit less taxing. Otherwise if it is taxable, not much difference in terms of returns. ---
**Author:** ![Tedk99](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tedk99/32/10285_2.png) [@Tedk99](https://community.trading212.com/u/Tedk99)\ **Post date:** [December 25, 2020, 8:54pm UTC](https://community.trading212.com/t/whats-the-difference-etfs-world/33258/11 "2020-12-25T20:54:57Z")
Income funds: Pay any profits to your nominated bank account. This means that you can withdraw the money as an alternative income. Accumulation funds: Are designed to generate growth rather than income. Your profits are automatically reinvested to buy more shares in the fund.12 Feb 2019 This is the general definition not sure about your above investment