PSE vs US Stock Exchange

Last episode, Manny found out something uncomfortable: the Philippine stock market actually lost him money over eight and a half years, while doing nothing with plain pesos did better. So today, one more question: what if, back in January 2018, instead of only investing locally, Manny had also put fifty thousand pesos into a fund that simply tracks the biggest companies in the United States — the S&P 500? This episode is a direct sequel to Episode 3, reusing that episode's real PSEi index fund and plain-peso results, and adding a third column: a real S&P 500 (SPY) feeder fund. Same ₱50,000, same January 2018 start, same June 2026 cutoff — only the country changes. The result: putting all your money in one country's stock market — any single country — is a concentrated bet. For this particular stretch, that concentration badly hurt Philippine-only investors, while the exact same money in a US market fund nearly tripled. ⏱️ TIMESTAMPS 0:00 Channel Intro 0:14 Cold Open — One More Question 0:49 What Are We Actually Comparing? 1:28 The Setup: ₱50,000 × 3, January 2018 1:50 The S&P 500 Fund 2:34 The Reveal — June 2026 3:09 The Inflation Twist 3:39 The Honest Lesson 4:38 The Real Question 5:08 Coming Up Next 5:19 Outro 📊 THE REAL NUMBERS (₱50,000 each, Jan 2018 → June 2026) Plain Pesos: ₱50,000 nominal / ≈₱36,800 real (inflation-adjusted) PSEi Fund (Philippines): ≈₱34,600 nominal — a real loss / ≈₱25,450 real S&P 500 Fund (United States): ≈₱169,900 nominal — nearly tripled / ≈₱124,900 real Sourced from real S&P 500 (SPY) pricing, real USD/PHP exchange rates, and the same real PSEi and inflation figures used in Episode 3. Full data sourcing and every assumption (including the dividend/expense-ratio simplification) is documented in this episode's script provenance notes. ⚠️ This is not financial advice. This channel exists to walk through real historical data and honest, non-hype lessons — not to tell you what to buy. Past performance does not predict future results. 🔔 Subscribe for more real Filipino money decisions, backed by real numbers — new episode every week. #PersonalFinancePH #SP500 #PSEi #Diversification #FinancialLiteracy #ChalkBoardFinancePH