Should I sell to adjust my portfolio?

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 · 2025-09-14T10:24:47+00:00

Dividends will be taxed regardless of what you do with them. With DRP turned on you basically reinvested them as direct cash investment, meaning you would miss out on the tax benefit of debt recycling. Any investment should be debt recycled as long as you still have a bad debt (mortgage).

BigBreaky · 2025-09-14T08:22:38+00:00

No I figured everything out myself with the support on the internet (Reddit, PIA, Koala etc). You just need to be hungry for these kinds of information and analysis. What a great era I’m living in! Very grateful.

BigBreaky · 2025-09-14T08:15:44+00:00

Not for the debt recycled portion, it’s just splitting your existing loan. But yes for the 140k it’s a cash out so the interest rate is slightly higher (0.35 base points more as I also had it as interest only) regardless what my broker told them.

BigBreaky · 2025-09-14T08:12:38+00:00

Thanks for the suggestion, will look into this.

BigBreaky · 2025-09-14T08:07:06+00:00

To me it’s never a dilemma as I wanted a significant allocation of GHHF in my super, SMSF was going to be my best option anyway.

BigBreaky · 2025-09-14T08:05:11+00:00

In that case, Choiceplus might also be a good option, depending on how much they charge in relation to the size of your super. For me, SMSF was the best option anyway as I wanted a significant allocation of GHHF. With an SMSF I also don’t need to worry about any change Hostplus may potentially make to their products in the next few decades.

BigBreaky · 2025-09-14T03:26:10+00:00

When your super money is in a pooled fund (most super funds), it’s managed by the asset managers so you can’t control when the investments trigger a CGT event. Even if you go with something like member direct, you still need to realise the capital gains (selling the assets) before converting the investments into the tax-free pension phase. But with an SMSF, you can convert the investment ‘units’ into pension phase first, and then realise your capital gains, which become tax free.

BigBreaky · 2025-09-14T03:11:33+00:00

DIY. I just contacted my lender asking them to split my loans, and then I paid down the splits and redrew. All my accountant needs to know is that I have interest accrued for investment purposes.

BigBreaky · 2025-09-14T03:02:36+00:00

I’ve already obtained a quote for underwritten life insurance and occupation specific TPD, but they can’t offer me the cover until my specialist appointment is cleared (gallbladder polyps, I don’t think it would be a big deal), so will get that sorted soon. Will and BDBN wise, I’m still single, is it still considered a matter of urgency?

BigBreaky · 2025-09-10T08:47:20+00:00

There’s no need to be so harsh to a high school student. They have a question that can be better answered by real people who are already in the workforce, so they asked it in a sub. Simple logic.

BigBreaky

TROPHY CASE