u/Downtown_Company_206

Is it now worth it to open a PERA+ account now considering the max admin fee is now capped at P300 a year?

AFAIK, for the ATRAM feeder funds, we still have to pay for the trust fees since it is already infused into the fund's price. But for investing in PSE stocks, we would only incur buying and selling fees.

The max P300 admin fee, 5% tax credit, and no taxable dividends seems really enticing for me.

My only worry is we would be at the mercy of Dragonfi's change in policies until we reach the age of 55, so they could suddenly upcharge us anytime.

I'm making a purchase on Taobao as a foreigner, and I will pay thru Alipay. I read that purchases over 200rmb incur 3% fees for foreign cards.

Is it possible to avoid this by sending money from my Wise China Account to Alipay, so I pay using Alipay balance instead to avoid this 3% fee?

I'm making a purchase on Taobao, and I will pay thru Alipay. I read that purchases over 200rmb incur 3% fees for foreign cards.

Is it possible to avoid this by sending money from my Wise China Account to Alipay, so I pay using Alipay balance instead to avoid these fees?