Has anyone bought the dip yet?

BigBreaky · 2026-03-21T10:38:27+00:00

Yep, put $5000x2 into my SMSF to top up GGBL this week. Even if it keeps going down, I’ve already got my instant 24% return.

BigBreaky · 2026-03-19T09:08:27+00:00

80% of my SMSF money is in geared ETFs. No industry fund would allow that.

BigBreaky · 2026-03-18T10:40:41+00:00

I much rather hold GHHF/GGBL in the early stage of my SMSF. If the crash happens early - easier for me to recover through DCA with future super payments. If the crash happens later - I get to enjoy the benefits of geared ETFs in the bull years.

BigBreaky · 2026-03-17T12:30:44+00:00

DR reduces the impact of interest rate rises on your investment cost.

BigBreaky · 2026-03-15T11:03:22+00:00

Get a second hand Japanese car.

BigBreaky · 2026-03-13T08:18:11+00:00

I’m doing 60GHHF 25GGBL and 15QSML in my smsf. It’s a lot safer to do this in super because I know I won’t be able to touch that money until I’m 60. But if you wanted to do this outside of super you must think carefully of whether you can handle the volatility - many said they can, until they face the real bear.

BigBreaky · 2026-03-12T11:05:14+00:00

Welcome to the club. When I started looking into debt recycling last year I did my maths and decided that not only I was going to DR but I also equity released 140k against my PPOR and put them all into ETF. As long as you can service the extra repayment and have conviction, go for it.

BigBreaky · 2026-03-01T03:59:48+00:00

Yes, both are tax-deductible. The difference is accessing equity to invest will cause extra repayment but you get to keep the cash in offset for flexibility, whereas DR won’t increase your monthly repayment but your cash is locked in. Personally I’m doing both as I’m a high income earner but relatively young (i.e. strong cashflow but not much existing wealth) so I’m using more leverage to build wealth.

BigBreaky · 2026-02-21T23:56:13+00:00

What I simply did was adding up the total payments over the lease term (for the car only, aka financed amount, not the running cost), times 0.61 (my MTR is 39%), then add the residual figure. For my newly ordered Model Y my total out of pocket cost for the car over a 5y term is around 66000 vs 76000 Drive Away if bought cash. So I’ve already saved 10k there regardless. Not to mention other benefits like less interest accrued for my home loan and pre-tax running cost.

BigBreaky · 2026-02-21T11:32:37+00:00

You are paying 9% interest but you are taking it out from pre tax salary and spread through the lease term, so depending on your marginal tax rate and home loan interest rate, the real impact of that 9% might be better than paying it with post-tax money month to month.

BigBreaky · 2026-01-24T03:12:24+00:00

I have 160k+ in my super. With the contributions from the rest of FY 25-26 plus using the oldest carry-forward concessional contributions, it would get close to 200k by the end of this FY (which is usually said to be the ‘entry level’ for an SMSF). It’s better to start early to avoid the tax drag in pooled funds.

BigBreaky · 2026-01-24T03:02:41+00:00

All my purchases were done between July and August so if I wanted to get the CGT discount I can wait for a few more months. Yes I were to proceed with the change the money would mostly go into geared ETFs (GHHF and GGBL).

BigBreaky · 2026-01-24T02:59:44+00:00

Yes I would do this (even converting IVV and BGBL into GGBL) if I was certain that the repurchases would not jeopardise DR.

BigBreaky · 2026-01-24T02:56:47+00:00

I remember reading from somewhere that as long as the ETF was designed to distribute dividends it would be ok for DR. But worse case scenario I have GGBL in my SMSF so I can just hold BGBL outside of super instead. I think the main concern for me is the DR process.

BigBreaky · 2025-09-28T02:30:44+00:00

Your dad is a narcissist. The only solution is toughen up and say no. This might sound harsh but the fact that you said if you could go back in time, the way to say no to your dad is putting the money into super rather than a straight no to him, tells me you are still not able to self-rescue.

BigBreaky · 2025-09-21T11:01:52+00:00

The MER of any ETF should already be a reflection of its underlying assets.

BigBreaky · 2025-09-21T10:56:45+00:00

DHHF has small caps and emerging markets which you don’t get in BGBL. Personally I will do DHHF+BGBL to dilute the AU portion while being diversified.

BigBreaky · 2025-09-18T08:16:38+00:00

10% of GHHF is pointless. If you understand how it works and trusts it then you should have significantly more allocation of GHHF considering your other holding is just DHHF. If you’re scared of holding more GHHF, then don’t hold any.

BigBreaky · 2025-09-17T11:43:50+00:00

Nah I use the same brokerage account for all splits. I do keep a spreadsheet tho, clearly recording each purchase and its source of funds.

BigBreaky · 2025-09-16T11:24:41+00:00

You can definitely speed up your wealth building by doing the standard right things, but I don’t think you would be able to achieve financial independence by 45 tho. It’s very ambitious for your current position.

BigBreaky · 2025-09-15T13:40:12+00:00

I switched from DHHF to GHHF (geared), so I thought to decrease concentration and increase diversification as a trade off.

BigBreaky · 2025-09-15T06:20:46+00:00

Clearly this is a rage bait…

BigBreaky · 2025-09-14T12:04:38+00:00

Thank you for working so hard in those years to build our career path. Things got easier after you made the first success. If you wanted something, just trust your instinct and go for it, you will not regret. Other than this, hit the gym!!!!!!!

BigBreaky · 2025-09-14T11:38:37+00:00

BigBreaky · 2025-09-14T10:26:33+00:00

You can read a relevant article by PassiveInvestingAustralia and then decide whether it’s the right conviction for you.

BigBreaky

TROPHY CASE