[rsynnott]

> The only downside is that you pay more in fees

This is a _huge_ downside for index funds, though. Even quite a small fee difference has a huge compounding impact over time; people often miss just how much.

AIUI, assuming you're investing in a global equity fund, currency hedging is almost never worth it. It _may_ be worth it in some cases if you're investing in a foreign index (eg S&P for Europeans), but even then not usually.

[dottjt]

It depends if you forsee potentially having to sell before retirement. Or if it may just happen out of your own circumstances.

Hedging is all about diversification at the end of the day. So it makes sense to hedge if you're coming close to retirement age.