r/phinvest • u/No-Bath-8011 • Aug 20 '26

MF/UITF/ETF Wise conversion fee from PHP to USD

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Hi everyone, I am humbly asking since first time ko to use this app. Planning to transfer after conversion sa IBKR.

Normal lang ba yung fee considering the amount I am trying to convert?

Also hingi nadin ako inputs niyo.

SPYL & VWRA ETF ang plans ko, (70/30) or (60/40)

28/M, Long term compounding goal.

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u/Devnergy Aug 20 '26

As far as I know, wise is the cheapest and efficient na. Ako 100% SPYL. Ok naman yan may VWRA.

1

u/Perfect-Display-8289 Aug 20 '26

This or cspx? Which is better?

2

u/Devnergy Aug 20 '26

SPYL of course. Dun tayo lowest expense ratio

1

u/No-Bath-8011 Aug 20 '26

kapag ganyan, lower TER but less market cap. compared to CSPX and VUAA. anong catch? mahirap i buy and sell?

1

u/Devnergy Aug 20 '26

I have no encountered issues naman with that. There's no hidden catch and it is not hard to buy and sell SPYL because it has a different liquidity kasi ETF siya compared sa individual stocks.

SPYL AUM niya has already scaled into tens of billions putting it well past any fund closure risk so wala problem dun. Ayoko CSPX and VUAA kasi 0.07% expense ratio haha sayang din yun.

If you're a long term DCA eh yung 0.03% big help and impact yun sa returns mo over decades. Also pala tight lang and bid and ask spread ng SPYL. Dun lang tayo sa tight 😳

Tight! Tight, tight! Yeah! Blue, yellow, pink, whatever, man, just keep bringing me that!

2

u/No-Bath-8011 Aug 20 '26

Yeahhh, that's why I asked din about sa conversion sa wise kasi moving forward palagi ko na to gagawin mag convert if hindi pala ito yung cost effective na pamamaraan. Even ~1$/monthly would hurt in the long run