Hi Patrick. Alright awesome. So if I understand you correctly, there's no difference in the way dividends are taxed by SARS between the two types of funds, but you might actually over-pay on CGT with the accumulating funds because the dividends are baked into the asset price (unless proven otherwise)? If that's the case, then it sounds like distributing funds like VWRD are absolutely the way to go.
Also, you make a good case for staying with US funds for a while. I may do just that and look into investing in the Irish funds when I'm more informed and closer to the 200k mark. I've been eyeing out VT for a long while. I seem to find a hundred reasons to justify over-weighting US equity in my portfolio but sometimes I wonder if its just recency bias..
The other huge benefit of VT is that I can buy fractional shares of US-domiciled ETFs on IBKR which really simplifies my contributions and reinvesting. And it doesn't seem like this is possible with non-US ETFs on the platform (?)