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  3. Germany ETF

How to invest in Germany using ETFs

How do I invest in German stocks?

The easiest way to invest in the whole German stock market is to invest in a broad market index. This can be done at low cost by using ETFs.

On the German stock market you find 2 indices, which are tracked by ETFs. Besides these indices, 4 alternative indices on small and mid caps as well as single sectors and dividend strategies is available.

As further alternative, you can consider indices on Europe. In the below listed indices Germany is weighted with around 30%.

0.08% p.a. - 0.16% p.a.
annual total expense ratio (TER) of Germany ETFs
2 Indices
on the German stock market, which are tracked by ETFs
9 ETFs
on the German stock market
The best indices for Germany ETFs

Performance of German stocks (DAX®)

1 month: -4.64%
1 year: 2.38%
3 years: 16.21%
5 years: 33.09%

Indices in comparison

Indices on German stocks

The best indices for ETFs on Germany

For an investment in the German stock market, 2 indices tracked by 9 ETFs are available. On the DAX® index there are 8 ETFs. On the F.A.Z. index there is 1 ETF. The total expense ratio (TER) of ETFs on these indices is between 0.08% p.a. and 0.16% p.a..

Index Investment focus Number of ETFs Number of constituents Short description

DAX®

 Germany 8 ETFs 30
 The DAX® (price) index tracks the 30 largest and most traded German stocks listed on the Prime Standard segment of the Frankfurt Stock Exchange.
Index factsheet

F.A.Z.

 Germany 1 ETF 101
(17/01/18) 		The F.A.Z Index tracks the 100 largest German stock corporations, in terms of market capitalisation, that are traded on Deutsche Börse.
Index factsheet
ETF
ISIN		   Fund size
in m CHF		 TER
in %		 Use of profits Fund domicile Replication method
iShares Core DAX UCITS ETF (DE)DE0005933931 8,407 0.16% p.a. Accumulating Germany Full replication
Xtrackers DAX UCITS ETF 1CLU0274211480 4,393 0.09% p.a. Accumulating Luxembourg Full replication
Lyxor DAX (DR) UCITS ETF EURLU0252633754 1,096 0.15% p.a. Accumulating Luxembourg Full replication
ComStage DAX TR UCITS ETFLU0378438732 949 0.08% p.a. Distributing Luxembourg Full replication
Xtrackers DAX UCITS ETF Income 1DLU0838782315 637 0.09% p.a. Distributing Luxembourg Full replication
ComStage DAX FR UCITS ETFLU0488317024 103 0.15% p.a. Distributing Luxembourg Full replication
ComStage 1 DAX UCITS ETFDE000ETF9017 89 0.15% p.a. Distributing Germany Full replication
ComStage F.A.Z. Index UCITS ETFLU0650624025 79 0.15% p.a. Distributing Luxembourg Full replication
Vanguard DAX UCITS ETFIE00BG143G97 6 0.10% p.a. Distributing Ireland Full replication
 
Index   1 month
in %		 3 months
in %		 6 months
in %		 1 year
in %		 3 years
in %
DAX® 4.25% -1.92% -3.67% 7.26% 23.25%
F.A.Z. 4.19% -1.97% -3.01% 9.20% 27.08%
Index   2018
in %		 2017
in %		 2016
in %		 2015
in %		 2014
in %
DAX® -2.26% 22.41% 6.01% -1.66% 0.19%
F.A.Z. -1.63% 25.01% 4.28% 0.88% 0.69%

Source: justETF.com; As of 31/07/18; Calculations in CHF based on the largest ETF of the respective index.

 

The best Germany ETFs
by 1 year return

1 ComStage F.A.Z. Index UCITS ETF 9.20%
2 Xtrackers DAX UCITS ETF 1C 7.36%
3 ComStage DAX TR UCITS ETF 7.33%
Show all

The cheapest Germany ETFs
by total expense ratio (TER)

1 ComStage DAX TR UCITS ETF 0.08% p.a.
2 Xtrackers DAX UCITS ETF 1C 0.09% p.a.
3 Xtrackers DAX UCITS ETF Income 1D 0.09% p.a.
Show all

Compare all ETFs on Germany

Chart comparison
Germany ETFs in a line chart
Return comparison
Germany ETFs in a bar chart
Risk comparison
Germany ETFs in a bubble chart
Alternative investment opportunities

Alternative indices on Germany

German indices on small and mid caps or dividend strategies

Alternatively, you can consider indices on small and mid caps, single sectors or dividend strategies. In order to compare the ETFs for the best German dividend strategies have a look at the Investment Guide on German Dividend Strategies. In total you can invest in 4 alternative indices on Germany tracked by 10 ETFs. The total expense ratio (TER) of ETFs on these alternative indices is between 0.25% p.a. and 0.70% p.a..

 
Index Investment focus Number of ETFs Number of constituents Short description
DivDAX® Germany
Dividend 		3 ETFs 15
 The DivDAX® index tracks 15 stocks with the highest dividend yield within the DAX® Index. The DAX® index tracks the 30 largest and most traded German stocks listed on the Prime Standard segment of the Frankfurt Stock Exchange.
Index factsheet
MDAX® Germany
Mid Cap 		3 ETFs 50
 The MDAX® index tracks 50 German mid cap stocks which are listed on the Prime Standard segment of the Frankfurt Stock Exchange.
Index factsheet
SDAX® Germany
Small Cap 		2 ETFs 50
 The SDAX® index tracks 50 German small cap stocks.
Index factsheet
TecDAX® Germany
Technology 		2 ETFs 31
(17/01/18) 		The TecDAX® index tracks the 30 largest and most traded technology companies which are listed on the Prime Standard segment of the Frankfurt Stock Exchange and rank below the DAX Index in terms of size and turnover.
ETF
ISIN		   Fund size
in m CHF		 TER
in %		 Use of profits Fund domicile Replication method
iShares MDAX UCITS ETF (DE)DE0005933923 2,435 0.51% p.a. Accumulating Germany Full replication
iShares TecDAX UCITS ETF (DE)DE0005933972 1,197 0.51% p.a. Accumulating Germany Full replication
iShares DivDAX UCITS ETF (DE)DE0002635273 717 0.31% p.a. Distributing Germany Full replication
ComStage MDAX TR UCITS ETFLU1033693638 239 0.30% p.a. Distributing Luxembourg Full replication
ComStage SDAX TR UCITS ETFLU0603942888 164 0.70% p.a. Distributing Luxembourg Full replication
ComStage 1 MDAX UCITS ETFDE000ETF9074 98 0.30% p.a. Distributing Germany Full replication
ComStage DivDax TR UCITS ETFLU0603933895 86 0.25% p.a. Distributing Luxembourg Full replication
ComStage 1 TecDAX UCITS ETFDE000ETF9082 84 0.40% p.a. Distributing Germany Full replication
ComStage 1 DivDAX UCITS ETFDE000ETF9033 30 0.25% p.a. Distributing Germany Full replication
ComStage 1 SDAX UCITS ETFDE000ETF9058 12 0.70% p.a. Distributing Germany Full replication
 
Index   1 month
in %		 3 months
in %		 6 months
in %		 1 year
in %		 3 years
in %
DivDAX® 4.98% -2.78% -3.50% 9.37% 24.67%
MDAX® 4.23% 0.03% -0.57% 10.66% 39.30%
SDAX® 3.95% -2.41% -0.30% 13.12% 47.58%
TecDAX® 7.29% 6.22% 8.20% 29.68% 77.08%
Index   2018
in %		 2017
in %		 2016
in %		 2015
in %		 2014
in %
DivDAX® -2.56% 23.83% 10.83% -7.67% 2.16%
MDAX® 1.13% 27.64% 5.60% 9.69% -0.51%
SDAX® 2.75% 34.78% 2.84% 13.01% 2.61%
TecDAX® 12.59% 51.62% -1.79% 19.46% 14.53%

Source: justETF.com; As of 31/07/18; Calculations in CHF based on the largest ETF of the respective index.

 

Indices on Europe

Europe indices with a large share of Germany

Besides Germany ETFs you may consider ETFs on the European stock markets. In total, you can invest in 4 indices on the Eurozone tracked by 29 ETFs. All Eurozone indices weight Germany with around 30% to 33%. The total expense ratio (TER) of ETFs on the Eurozone is between 0.05% p.a. and 0.40% p.a..

 
Index Investment focus Number of ETFs Number of constituents Short description
EURO STOXX® Europe
Germany: 29.50%
(29/12/2017) 		1 ETF 305
(17/01/18) 		The EURO STOXX® Index tracks stocks from Euro zone countries included in the STOXX® Europe 600 Index. The STOXX® Europe 600 Index tracks large, mid and small capitalisation stocks from European developed countries.
Index factsheet
EURO STOXX® 50 Europe
Germany: 33.30%
(29/12/2017) 		19 ETFs 50
 The EURO STOXX® 50 (total return) index tracks the 50 largest companies in the Eurozone.
Index factsheet
FTSEurofirst 80 Europe
Germany: 34.06%
(29/12/2017) 		1 ETF 80
 The FTSEurofirst 80 Index tracks the 60 largest Euro zone companies measured by market capitalisation in the FTSE Euro zone Index and 20 additional companies selected for their size and sector representation.
Index factsheet
MSCI EMU Europe
Germany: 30.19%
(29/12/2017) 		8 ETFs 248
(30/03/18) 		The MSCI EMU (European Economic and Monetary Union) index tracks large and mid cap stocks from countries in the European Economic and Monetary Union.
Index factsheet
ETF
ISIN		   Fund size
in m CHF		 TER
in %		 Use of profits Fund domicile Replication method
iShares EURO STOXX 50 UCITS ETF (DE)DE0005933956 9,901 0.10% p.a. Distributing Germany Full replication
Lyxor EURO STOXX 50 (DR) UCITS ETF D-EURFR0007054358 7,413 0.20% p.a. Distributing France Full replication
iShares EURO STOXX 50 UCITS ETF (Dist)IE0008471009 5,099 0.10% p.a. Distributing Ireland Full replication
iShares Core EURO STOXX 50 UCITS ETF (Acc)IE00B53L3W79 4,531 0.10% p.a. Accumulating Ireland Full replication
Xtrackers EURO STOXX 50 UCITS ETF 1CLU0380865021 3,914 0.09% p.a. Accumulating Luxembourg Full replication
Xtrackers EURO STOXX 50 UCITS ETF 1DLU0274211217 2,887 0.09% p.a. Distributing Luxembourg Full replication
Xtrackers MSCI EMU Index UCITS ETF 1DLU0846194776 2,526 0.15% p.a. Distributing Luxembourg Full replication
UBS ETF (LU) MSCI EMU UCITS ETF (EUR) A-disLU0147308422 2,503 0.18% p.a. Distributing Luxembourg Full replication
Amundi EURO STOXX 50 UCITS ETF - EUR (C)LU1681047236 2,323 0.15% p.a. Accumulating Luxembourg Full replication
iShares MSCI EMU UCITS ETF EUR (Acc)IE00B53QG562 1,857 0.12% p.a. Accumulating Ireland Full replication
iShares EURO STOXX UCITS ETF (DE)DE000A0D8Q07 1,752 0.20% p.a. Distributing Germany Full replication
UBS ETF (LU) MSCI EMU UCITS ETF (EUR) A-accLU0950668870 1,545 0.18% p.a. Accumulating Luxembourg Full replication
BNP Paribas Easy EURO STOXX 50 UCITS ETF DFR0012740983 696 0.18% p.a. Distributing France Full replication
UBS ETF (LU) EURO STOXX 50 UCITS ETF (EUR) A-disLU0136234068 628 0.15% p.a. Distributing Luxembourg Full replication
Lyxor Core MSCI EMU (DR) UCITS ETFLU1646360971 532 0.12% p.a. Distributing Luxembourg Full replication
BNP Paribas Easy EURO STOXX 50 UCITS ETFFR0012739431 531 0.18% p.a. Accumulating France Full replication
Source EURO STOXX 50 UCITS ETF AIE00B60SWX25 472 0.05% p.a. Accumulating Ireland Unfunded swap
SPDR MSCI EMU UCITS ETFIE00B910VR50 451 0.18% p.a. Accumulating Ireland Full replication
ComStage EURO STOXX 50 NR UCITS ETFLU0378434079 277 0.08% p.a. Distributing Luxembourg Full replication
HSBC EURO STOXX 50 UCITS ETF EURIE00B4K6B022 146 0.05% p.a. Distributing Ireland Full replication
Amundi EURO STOXX 50 UCITS ETF - EUR (D)LU1681047319 85 0.15% p.a. Distributing Luxembourg Full replication
ComStage 1 EURO STOXX 50 UCITS ETFDE000ETF9504 48 0.15% p.a. Distributing Germany Full replication
ComStage EURO STOXX 50 FR UCITS ETFLU0488317297 43 0.15% p.a. Distributing Luxembourg Full replication
UBS ETF (LU) MSCI EMU UCITS ETF (EUR) A-UKdisLU1107559376 40 0.18% p.a. Distributing Luxembourg Full replication
iShares FTSEurofirst 80 UCITS ETFIE0004855221 34 0.40% p.a. Distributing Ireland Full replication
Source EURO STOXX 50 UCITS ETF BIE00B5B5TG76 24 0.05% p.a. Distributing Ireland Unfunded swap
Vanguard Euro STOXX 50 UCITS ETFIE00BF4R5F15 15 0.10% p.a. Distributing Ireland Full replication
iShares MSCI EMU UCITS ETF EUR (Dist)IE00BYXZ2585 10 0.12% p.a. Distributing Ireland Full replication
Amundi ETF EURO STOXX 50 UCITS ETF DR - USDLU1681047400 10 0.15% p.a. Accumulating Luxembourg Full replication
 
Index   1 month
in %		 3 months
in %		 6 months
in %		 1 year
in %		 3 years
in %
EURO STOXX® 50 4.17% -1.71% -0.07% 7.63% 18.73%
FTSEurofirst 80 4.03% -2.05% -0.48% 8.36% 23.04%
MSCI EMU 3.69% -1.79% -0.07% 9.15% 24.87%
EURO STOXX® 3.73% -1.76% 0.00% 9.28% 26.08%
Index   2018
in %		 2017
in %		 2016
in %		 2015
in %		 2014
in %
FTSEurofirst 80 2.16% 22.65% 4.12% -2.53% 3.30%
MSCI EMU 2.35% 23.13% 3.90% -0.67% 2.81%
EURO STOXX® 50 2.40% 19.61% 3.25% -2.92% 2.95%
EURO STOXX® 2.64% 23.21% 3.82% 0.39% 2.56%

Source: justETF.com; As of 31/07/18; Calculations in CHF based on the largest ETF of the respective index.