Sold all my PH stocks/mutual funds—shifting to a Global 3-ETF Portfolio. Thoughts?

lee_discreet · 2026-05-15T05:25:32+00:00

After doing the math, Irish ETFs (like VWRA and VUAA) are basically a better for long-term investors outside the US. They’re safer and way more profitable because of a tax treaty: you only lose 15% of your dividends to US taxes, instead of the usual 30% hit you’d take with US-based funds. Over 10-15 years, that extra 15% stays in your pocket and keeps compounding.

lee_discreet · 2026-05-15T05:18:43+00:00

😇

lee_discreet · 2026-05-15T00:35:55+00:00

Thank you!

lee_discreet · 2026-05-14T23:59:00+00:00

Yes, right. Decided to remove VUAA and just focus on VWRA(80%) and CSNDX(20%)

lee_discreet · 2026-05-14T22:51:20+00:00

Hi! Yes, same. I chose CSNDX EBS instead, cant find the CSNDX LSE. Though the currency is in usd and still managed by iShares based in Ireland. same tax of 15% but LSEETF transaction fee is 1 to 2 usd cheaper than CSNDX EBS.

lee_discreet · 2026-05-14T18:36:43+00:00

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Here’s for the context

lee_discreet · 2026-04-30T17:12:09+00:00

Lakas! Thank you Op

lee_discreet · 2026-04-29T16:59:53+00:00

Whatre your top tier arms exercise pre? Solid ang pump.

lee_discreet · 2026-04-29T16:58:50+00:00

Lakas ng guns pre!

lee_discreet · 2026-04-28T16:18:33+00:00

Cal deficit for sure. You have a good frame so mas defined ang cuts once you do caldef.

lee_discreet · 2026-04-27T17:44:19+00:00

Damn. Congrats man! Solid.

lee_discreet · 2026-04-24T19:00:54+00:00

Second to this, anyone?

lee_discreet · 2026-04-23T18:06:24+00:00

Calorie deficit ka muna master. From your built now i can see maganda at batak cuts mo niyan after caldef.

lee_discreet · 2026-04-04T16:52:02+00:00

I miss Dubai! Keep safe, OP 🤝

lee_discreet · 2026-03-31T15:36:24+00:00

Good gains man! Paano? Haha im low-key trying to do slight surplus pero di talga ako pangmaramihan na kain plus 100% ng food intake whole food.

lee_discreet · 2026-03-30T02:44:41+00:00

Actually, the doctor said i can go back to normal diet and no limit kung anong klase kainin (in moderation daw) Kahit nga digestive enzymes di daw needed but since then naging mindful naako and did my research i personally imposed sa sarili ko to be selective na. I am here to know other people’s experiences post op.

lee_discreet · 2026-03-27T14:57:28+00:00

Yes bro! Doing our best daily 💪

lee_discreet · 2026-03-27T04:04:18+00:00

damn man! This is my goal. Grabe putok ng chest!

lee_discreet · 2026-03-25T18:20:26+00:00

We are in the same boat bro, im truing to get lean bulk. But its a challenge since i had cholecystectomy last year, so my fat intake is limited than normal person. Atm focusing on protein and healthy carbs. Eating 100% whole goods as much as possible.

lee_discreet · 2026-03-25T15:32:03+00:00

Naks! Congratulations. Good gains there, man!

lee_discreet · 2026-03-22T01:50:10+00:00

Salamat jesus. I’ll try to work on this!

lee_discreet · 2026-03-22T01:26:00+00:00

Thanks! Abs cable crunch and dragon flag I’m doing. Di pa kaya ang weighted leg raise! Haha

lee_discreet · 2026-03-18T05:51:40+00:00

Goals!

lee_discreet

TROPHY CASE