i only hold bgbl and ndq rn. in future i want 70/30 satelite/core
imma shift to this plan once my portfolio grows alot but want advice on it
Core will consist of
50 bgbl
10 a200
10 vge
Satellite will consist of
10 ndq
10 small cap etf
5/5 couple of individual stocks
I hold roughly ~$50k in various ETFs with Betashares direct, (including about half with DHHF) but would love to move it all into something like BGBL + A200 + AVTE. Is there an easy way to do this? Or would it be better to just leave it and just do DHHF going forward? My timeline is 25+ years. Thanks!
Would love to hear thoughts and opinions. My core will consist of one of the pairs listed. I’m 18 years old, will add an emerging markets etf in the future aswell probably.
In 2021, I consciously put some money into ethical investments. 4 years on, I am not much better off and am seriously questioning my direction. I have $175k with Verve super, I've just done the math and since 2021, its only grown 10%, not including my personal contributions. My question is, I am now looking at moving my super to high growth/international shares for maximum returns, considering Aware, ART, Virgin or Hostplus. Or should I stick it out with Verve, I understand chopping and changing super is not profitable but seeing some fund return $10-15% this FY has rocked me. I am 37 yo, btw.
I also bought $50k in ERTH shares, lost a fair bit there too. No one has a crystal ball but I am waiting for a boost to then sell and put into a ETF which pays a dividend. Any thoughts on direction of ERTH?
Any thoughts/suggestions/experiences are much appreciated!
M25 80k per annum. I get paid 2395 a fortnight after tax, i save up about 1500 bucks on average from jt, been sending 1k into etfs and remainder into savings. But i already got 75K in savings so i might stop putting money in there.
But now with the CGT discount removed and all that, im wondering whether im better off putting money in super or otherwise how should I split it? I been putting it into dhhf fyi.
Hi all, i wanted to understand how everyone calculates their fire number?
Yes ive heard annual expenses x 25 = fire number. But this is based off normal retirement to fund 30ys of retirement and presuming PPOR is paid off is this correct?
So if i would like to retire at 50yo instead of standard aus standard 65yrs and need it to last until 85. Then i need to x33 or x 28 (3% - 3.5%). Is this correct?
I want to find a way for me to calculate my fire number and see how i can keep an eye and make sure im on track. Let me know if anyone has recommendations. Atm im trialing the app COMPOUND (free trial but looks like i might have to pay for it eventually) and also trying the website getfired.au.
P.S once i have my fire number i will work backwards and determine how much i need to last me between 50-60yrs until i can access my super
Thanks in advance!
I was sick of getting ripped off by the Coles & Woolies duopoly
Any recommended apps can help me compare supermarket and grocery prices?
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30yrs bonds yield ~5.6%. Rate cuts probably on the horizon right? So seems like a good time to buy bonds.
Hi all, I have about $600k balance in mortgage which I make monthly P&I repayment (interest ~6%) (value ~1.5m). At the same time I've been investing in ETF $1k per week (total $70k now in GHHF and BGBL 50:50).
I'm not sure if I should keep doing what I'm doing or should I focus on paying off the mortgage first? Which strategy is the most beneficial financially? May I have your recommendation?
Note: At the same time I've been salary sacrificing into superannuation for max concessional cap.
I want to invest around 10K in ETFs with $100p/w to begin with, then more later on as i get more confident with the process(but still contribute $100p/w). My aim is to buy and hold for at least 20 years(im 44 now). I know these questions have probably being asked and answered before but anyway here goes.
-Which trading platform should i use? Ive narrowed it down to either Betashares, CMC, or Westpac. (Im leaning towards Betashares, but open to others)
Betashares because its an Australian company, Auto-invest, Has its own ETFs
CMC because its CHESS sponsored
Westpac because i bank with them
- What happens at tax time?, ie what documents do i give my accountant, and when do they get sent out. My biggest fear is running afoul of the ATO.
- What is the difference between automatically reinvesting dividends(Beta), and just buying more shares manually once dividends have been distributed to the trading account?
-Is it worth signing up to a portfolio tracker like Sharesight or Navexa (Which one is better?)
-How hard is it to do the cost base adjustments? Do i have to do them every year or just when i sell everything?
-Should i stop overthinking it and just do it?(its a bad habit of mine)
I apologize in advance if Ive put too many questions on one post, but ive been stung in the past with useless financial planners and just want to get it right this time. (i might post some more questions in a second post later)
Is it better to save up for a property using FHSS and a HYSA or would it better longe term to dump everything into ETFs?
My partner (45F) and I (49M) are trying to work out the best way to structure our assets so that we can potentially retire early, or at least have the option for one or both of us to move to part-time/less stressful work.
We’re both Australian tax residents, moved to Australia in 2016.
Our current position:
London investment property: worth approx. £700k, owned outright in my name.
Currently rented, generating approx. $50k AUD/year gross rent
Family home in Australia: owned outright
Melbourne investment property: negatively geared, approx. $200k equity
Combined super/SMSF: approx. $800k
Son is currently in primary school and we’d like to send him to private school for high school.
Both working in corporate jobs, but increasingly concerned about job security and getting tired of the grind. We’d ideally like the financial freedom to retire early or take lower-paid/part-time work.
The London property is the big question.
I bought it in 2010 before moving to Australia in 2016, so I’m also trying to understand the Australian CGT implications if we sell. My understanding is that, the Australian CGT cost base may be based on the property’s market value when I became Australian tax resident, rather than the original UK purchase price, but I’d love to hear from anyone who has dealt with this.
We’re trying to decide between:
Would selling and diversifying make it easier to achieve FIRE/semi-retirement?
How should we factor in the cost of private schooling for our son?
We’re not necessarily looking for someone to tell us exactly what to invest in — we’re more interested in how people would approach the sell vs hold decision and whether we’re overlooking anything.
Hello,
I am 26 years old, currently have $138k excluding super. 100k is in hysa, 20k in DHHF , 18k in GOLD etf..
I contribute 1.5k aud/ fortnight atm to DHHF.
I feel like i should be all in cash till i figure out the career i want or improve or fain any sort of skills as i only do random jobs and atm i do security work.
Suggestions?
Hi all,
Just wanting to see if anybody is doing same thing before i go to far down the road investing in vhy. Im a low income earner, have little saved, am building my dhhf up since april, but want to add vhy too also for income eventually as option if i want it. just wanna see if anybody else has vhy and are happy with it, the franking option appeals to me limits tax during midd year and pay the difference. Thanks
I’m 40yo and living in Thailand, I just had to close my SMSF due to compliance issues( being overseas 2yos) any recommendations for best superannuation fund to put into.
Balance is around 240k and not working so no more contributions, unless I head back to oz at some stage.
I won’t need insurance on fund as I’m Overseas, just looking for low fees with a reliable fund if this exists!?
Was suggested host plus or Australian super?
Thanks 🙏
Been doing some retirement planning and looking into retiring before 60 (and you need a bridging fund).
Provided there are leftover investment (such as shares and ETF) at 60, is it the best to push them into Super so it can grow tax free? One problem with that strategy is that it has a minimum withdrawal rate, which will eventually exceed the 4% withdrawal rate and deplete the fund.
Or would it be best to leave it as it is and let it grow (and pay the associated tax)?
Hello,
I am 26 years old, currently have $138k excluding super. 100k is in hysa, 20k in DHHF , 18k in GOLD etf..
I contribute 1.5k aud/ fortnight atm to DHHF.
I feel like i should be all in cash till i figure out the career i want or improve or fain any sort of skills as i only do random jobs and atm i do security work.
Suggestions?
Have some debt recycled etfs in an individual broker account and want to swap it over to a joint broker account.
Is the below the best way to deal with this if we want to buy the same ETF allocation?
Found this in an old post from user @snrubovic
• If you have cash available (for example, an emergency fund), pay down the loan and debt recycle into investments and then sell your shares and replace your cash. This breaks the link between selling existing shares and debt recycling into the same shares.
Held the shares less than a year and have no issue paying CGT.
Just want to avoid wash sale issue.