I’ve been investing for two years, following the Boglehead approach tailored for international investors. I’ve consistently allocated a portion of my salary to DCA into VWRA. My current dilemma is that our local SEC has flagged IBKR as unlicensed to operate in my country, effectively restricting access to the platform. As a result, investors now resort to workarounds like changing DNS servers just to log in.
Meanwhile, I discovered SEC‑registered platforms that offer feeder funds tracking ACWD (MSCI ACWI), which is quite similar to VWRA. The catch is that these funds charge management fees of 1.15% per year. I understand the importance of keeping costs low since fees compound over time, but I’m also concerned about potential issues when withdrawing my money in the future if I continue using IBKR, especially given that this is a long‑term investment.
Question: should I continue investing through IBKR despite the regulatory risks, or accept the higher fees of the feeder fund for the sake of compliance and peace of mind? I’d appreciate your insights