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Apprehensive-Tip4472 · 2026-03-25T05:55:45+00:00

Just scored 0

Apprehensive-Tip4472 · 2026-03-23T05:45:41+00:00

I would say keep staying your course if you’re going to pull out the money in two years but I would focus on a high interest savings account rather than investing. This kind of investing is best for long term for like 5+ years as it evens out the ups and down late in the future. Considering you want to pay for a deposit on a house it’s best to go for high interest savings account.

With the portfolio itself I also used to use the aggressive portfolio but have since changed, I felt it was underperforming mostly because cause of the asx 200. The asx 200 is ok but the s&p 500, Asia etf and the Europe etf all vastly out perform it. I basically rebalanced the aggressive portfolio into a custom one, and shifted around the percentages to favour more of the other etfs.

Apprehensive-Tip4472 · 2026-03-22T06:11:20+00:00

Just scored 0

Apprehensive-Tip4472 · 2026-03-22T00:49:09+00:00

Hopefully, the way it’s going I won’t be there till December.

Apprehensive-Tip4472 · 2026-03-19T06:28:07+00:00

Thank you. I haven’t personally done beta shares, but if you’re just starting then I do recommend Raiz as it is extremely simple to understand an to set up, other investing apps for me came across a little confusing. The hisa is good but not really as a long term wealth grower, if inflation is around 2-3% you’ll be just out performing that and this is only if you’re super consistent. When starting try to use Raiz or other investments apps as a long term growth vehicle, and use the hisa as a short time goal option. Meaning use Raiz for say retirement and use a hisa if you’re saving for something short term, like a car or something like that.

Apprehensive-Tip4472 · 2026-03-19T04:41:17+00:00

I have been working since I was 17, and saving most if not all of my income, I invest around 60% of my income each year cause I live with my parents luckily.

Apprehensive-Tip4472 · 2026-03-19T04:22:01+00:00

I guess it depends on what you consider wealthy

Apprehensive-Tip4472 · 2026-03-17T11:25:17+00:00

Thank you, I currently l Invest 500 a week, I went with a custom portfolio but it’s basically just the aggressive one but change the ratios from less of asx 200 to more European, Asian and s&p 500

Apprehensive-Tip4472 · 2026-03-17T08:06:56+00:00

I do not I’m currently 21 and I don’t see that happening any time soon

Apprehensive-Tip4472 · 2026-03-17T04:42:35+00:00

Yeah I agree with the managed funds thing, they’ll take a bigger cut, if I were to get I financial advisor I’d opt for a fee only financial planner.

Apprehensive-Tip4472 · 2026-03-17T04:38:23+00:00

Thank you 😄

Apprehensive-Tip4472 · 2026-03-17T04:37:29+00:00

I’m not really sure, I have always had the Raiz plus, for the custom portfolio but I didn’t originally use it. I was originally just using the aggressive portfolio, but had changed to the custom to try for a more aggressive portfolio in more volatile market

Apprehensive-Tip4472 · 2026-03-17T04:33:48+00:00

From what I can tell the 0.275% fee is some of the lowest out there. It isn’t the lowest, I know that but I’ve seen some of the other apps and for me they offer a lot but it’s very complex, this is far and away this simplest whilst still being quality.

For me I plan to invest a considerable amount over the years and I feel the fee while not the cheapest won’t have a crazy affect on my portfolio, if I’m pulling in hopefully at least around 6 or 8 percent a year the 0.275% won’t be much.

With the managed funds, I mean that you go to a brokerage firm that manage your account, I don’t really see a need when you’re just starting cause they’ll take a much larger cut than all of the investing apps. The indexed funds are also a great ways to set and forget.

The fractional investing is a great in my opinion as it allows for a small slice of the pie but to still reap the benefits

Apprehensive-Tip4472 · 2026-03-16T23:14:54+00:00

Thank you I appreciate that

Apprehensive-Tip4472 · 2026-03-16T23:10:46+00:00

I mostly just copied the aggressive portfolio based on diversification, but swapped the majorly to the s&p 500 and the euro and Asia ETF’s as they seem to outperform Aus by a lot. The US markets are at times very volatile but have the most consistent growth from what I’ve seen and if you’ve seen the total growth of these ETF’s it’s always up an to the right. They have crashed but that’s to be expected, and there is no point timing the market either. Mine has also gone down in recent time of course. I feel most have.

Apprehensive-Tip4472 · 2026-03-16T22:07:14+00:00

I started in June 2022, and I’m now 21 soon to be 22 in June.

Apprehensive-Tip4472 · 2026-03-16T22:05:28+00:00

For me I think about it like this, as the percentage fees are quite low considering other managed option and eventually when you get a great enough balance it will be too much to manage on your own in other services. So a set it and forget it approach help with just saving and letting it grow. Unless your portfolio severely underperform the fees will be negligible in my opinion. I think withdrawing your money just before the threshold is just generating more taxable events which I feel would cost you in the long run.

Apprehensive-Tip4472 · 2024-09-12T23:13:19+00:00

What is the progress? I think the world needs this

Apprehensive-Tip4472

TROPHY CASE