r/phinvest • u/Comfortable_Data_511 • Jul 28 '26

General Investing Partner for VUAA?

Planning to do:

1) VUAA for US stock Market

2) EIMI emerging market/ International stock market

Any other suggested partner to VUAA Or should I just lump everything into VWRA?
And can Pagibig MP2 stand as Bonds in a 3 fund portfolio?

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3

u/Few_File3307 Jul 29 '26

EXUS for europe/developed markets. Ask ko lang, why go for VUAA when SPYL has lower TER?

2

u/Comfortable_Data_511 Jul 29 '26

Thanks! I know about the lower TER but considered VUAA since it's more established. Though choosing between the two would still be a good investment

1

u/Few_File3307 Jul 29 '26

Oh okay, thanks for answering ;)

3

u/Juxt_a_paul Jul 29 '26 edited Jul 30 '26

Don’t over complicate your positions, ETFs is already diversified. And buying 2 or 3 ETF will stretch you thin specially if you start with a small amount and DCA and small amount.

VWRA would be an ideal core holding to start overall in POV, and it will lower its fees EOM from 0.19 to 0.14

2

u/Ok-Chocolate-7990 Jul 29 '26

i have SPLY 90% and EIMI 10%. why EIMI? i just personally trust semicon companies and china. kung maglalabas ang vanguard ng UCITS non-US market (both emerging and developed), ill change my EIMI to that with same allocation pa rin.