Dropp, I do agree with you, Vanguard funds and their associated ETFs have the lowest expense ratio in the market, some ETFs like VOO and VTI are as low as 0.04%. However Vanguard does not allow you to open an account with them if you're a UAE resident, same with most brokers in US. I was trading my ETFs with DeGiro in Europe but now new european regs don't allow you to trade funds where their prospectus are in a different language. Most of trackers such as SP500 or FTSE and SPY have english prospectus and can't be traded in Europe anymore. I'm running out of options. "C" account is what I have left even though I know it's quite expensive as most of mutual funds. You can still use Swissquote and Saxo platforms but that will cost a leg and two arms every time you trade.