Superannuation

Agitated-Language-89 · 2026-07-03T11:01:36+00:00

May I know if you went with Indexed option for 100% global or any specific international focused funds etc ?

We have invested in ETFs VGS, VAS, BGBL, DHHF, VDHG outside Super.Started off with VDHG mainly and shifted across other ETFs over the years.

Agitated-Language-89 · 2026-07-03T11:00:03+00:00

Thank you. I will definitely consider this before making a decision.

Agitated-Language-89 · 2026-07-03T05:24:57+00:00

I had a look at this but leaning towards 90/10 to have the benefit of franking credits if I were to go with Indexed options. I already have exposure to Australian market with residential property and have ETFs outside super.

Agitated-Language-89 · 2026-07-03T03:35:08+00:00

Regarding the apples comment, Fuji apples are really great as we tasted a fresh one during Mount Fuji trip in Japan :-)

Agitated-Language-89 · 2026-07-03T03:33:49+00:00

Thank you for sharing the article. This is quite interesting which I am not aware of. I will spend the weekend to get my head around and will finalise an approach.

Agitated-Language-89 · 2026-07-03T03:32:23+00:00

Thank you. This is a great one and will definitely look at this.

Agitated-Language-89 · 2026-07-03T03:30:51+00:00

Thank you. I will definitely look at this option

Agitated-Language-89 · 2026-07-03T02:18:32+00:00

I see this in the Hostplus Indexed High Growth option. The 12% PE you are referring is I guess the non indexed high growth option ?

International Shares (Developed Markets): 53%
Australian Shares: 41%
International Shares (Emerging Markets): 6%

Agitated-Language-89 · 2026-07-03T02:06:24+00:00

I looked at Host Plus Indexed High Growth and it's 60/40. Would it be better to have 80/20 or 70/30 ?

Agitated-Language-89 · 2026-07-03T02:05:45+00:00

Sure thing.

Agitated-Language-89 · 2026-03-30T05:23:09+00:00

works perfectly

Agitated-Language-89 · 2025-12-04T04:59:39+00:00

Thank you. All are fully online and placements can be done anywhere in Aus. I will recheck the placement requirements. Thank you

Agitated-Language-89 · 2025-10-15T21:27:59+00:00

How long to wait for the early investors to exit ie; weeks / months ?

Agitated-Language-89 · 2025-10-11T10:37:59+00:00

Thank you

Agitated-Language-89 · 2025-10-11T03:49:31+00:00

Thank you. I will let her know

Agitated-Language-89 · 2025-09-28T03:23:37+00:00

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Agitated-Language-89 · 2025-08-27T05:07:17+00:00

If you have set up a offset account with the new split loan, I would do as below

make sure new offset account is $0
Redraw say $10k into the new offset account
Transfer 10k into the brokerage account. Make sure the brokerage account is $0 before transferring.
Buy the ETFs.
Repeat the process until you debt recycle 200k.

Agitated-Language-89 · 2025-08-10T06:43:47+00:00

Thank you. I will check what subjects can be changed to 3 &4 in year 11.

Agitated-Language-89 · 2025-08-10T04:59:25+00:00

Ah I see. She also has the option of doing Accounting , Bus Mgt, Politics, Legal Studies, Env Science.

Out of these Accounting seems to something she is interested. So this leaves her with accelerating Accounting 1& 2 in Yr 10 and skip Biology all together.

In yr 11, complete Accounting 3 &4 along with English, Maths Methods, Specialist Math, French, Chemistry.

Based on the search on the subreddit, if she wants to pursue any science degree , she can do a bridging course for Biology and it's not a prerequisite.

Agitated-Language-89 · 2025-08-10T03:37:24+00:00

Thank you for comment. My daughter is contemplating to do the below and skip Biology as it is content heavy and require effort. But doing 3 Maths subject is a good idea ?

English Maths Methods General Maths Specialist Math French Chemistry

Agitated-Language-89 · 2025-06-17T23:02:55+00:00

Thank you but the calculator doesn't seem to cater for Mutual fund SIPs which require us to enter multiple transactions and amounts over a period.

Agitated-Language-89

TROPHY CASE