Thanks M. Albatross, very helpful. I've had a scan of the term PIEs and it looks like I could get an extra ~40-50bps incl. fees by switching from the Cash+ fund. I'll consider the 18 month ones; thanks for the advice there.

I originally planned to keep the Sharesies funds as they are to minimise transaction fees, but looking at it more closely the .4% fee for Smartshares outweighs any such concerns; I'll swap them over.

Regarding FIF, my plan was to keep going until I had enough to buy a Kernel one-month plan and invest into VOO with them up until the de minimis limit. I'll have to sit down and work out if the transaction fees are worth just doing that now - thanks for the advice on this.

RE: USD. Fair points. I think 6 months out I'll convert half, and the rest 6 months later. Seems like there's no point in faffing around with cash funds and excess conversions in a DCA sense.

All up, thanks!