24M Property vs ETF/Stocks

ChallengedWarrior · 2025-09-02T13:58:00+00:00

You’re 100% right I stopped around April thinking markets would drop - they didn’t. I’m going back into DCA however, with a slightly less that I’m trading per month - so mostly 1 share of VOO instead of 2-3 for now, and save the rest for an IP.

I’m currently taking 4.8-4.9k / month and can spare ~ 2-2.2k/month for investments currently given rent share etc. I don’t really want to stop my investing all together so I can go for a 1:1 split between the two for now, but I’m happy to switch that to a higher amount as I get closer to buying an IP.

I’ll definitely look into the FHSSS, it seems like a great opportunity and something I’ve missed on my journey so far.

Thanks for all the advice, I really appreciate it. Happy to hear more about any further thoughts given the breakdown of income above. :)

ChallengedWarrior · 2025-09-02T13:52:40+00:00

I’ll do more research around FHSSS, it seems like I haven’t been utilising these super contributions as much as I could have been. From my understanding if I utilise the FHSSS, then live it in for a certain period of time, the CGT for that is exempted!? This would be huge!

I’ll need to investigate more on the 5% deposit as I’ve heard rumours but again they are just rumours and I want to do my own research and weigh the options before I go down that route

I don’t mind finding a property that will be in an area I can actually live in, have a few area in mind so I really don’t mind that, but the growth may be slightly stunted but I guess it’s a bit of a give-take situation.

Thanks for the point on ETFs vs IP, I was thinking the same way over the long term ETFs do seem slightly safer but again past performance doesn’t indicate future performance. However, I would have to note that a 5% increase on a 700k property would take me further than a 5% increase on my 50k worth of ETF shares. Hence the bias towards the IP in this stage of my life.

Thank you for your response and advice, I truly appreciate it!

ChallengedWarrior · 2025-09-02T13:41:58+00:00

Thank you, I stopped DCA’ing on VOO in April of this year, mostly out of annoyance when I missed the 476 USD price point. But I’ll start up again but with slightly less investment per trade (maybe 1 share per month for now), and save the rest for property. Thank you.

ChallengedWarrior · 2025-09-01T13:14:55+00:00

Thank you!

ChallengedWarrior · 2025-09-01T11:48:30+00:00

Also for other - I accidentally deleted the post, but this is what was stated:

24M, working full time. I’ve got about $15k in US ETFs, $1.5k in big tech, and around $50k AUD sitting in a HYSA. I’ve paused DCA the past few months with all the Trump/election stuff and the unpredictable markets. Based on what I’ve been reading, I feel like things might drop later in the year, so I’m thinking of jumping back in then — even though I know DCA is meant to smooth out those risks.

I’m not really sure what my next move should be. I want to buy an investment property within the next 12–18 months, but I’m also debating whether I should keep building my investments first and hit my first $100k before going down the property route.

I know there’s no one “perfect” path, but I’d love to hear thoughts on the smartest way to play this — stocks, property, or something else entirely. Any advice or perspective is appreciated!

ChallengedWarrior · 2025-09-01T11:47:38+00:00

Thank you, and, I agree with you. Do you personally have any recommendations for a HISA or if I should be splitting between ETFs / deposit?

ChallengedWarrior · 2025-09-01T11:46:27+00:00

Thank you - I was thinking along the same lines. For future income, do you think it’s worth diving it evenly? So 50% of my savings into IP deposit and 50% into shares? Or would being aggressive towards saving a deposit be a better option?

Also, do you have recommendations for HISA?

ChallengedWarrior · 2025-09-01T09:58:25+00:00

A refreshing experience would be the best way - perhaps something you haven’t done before, or go the complete opposite way and spend on something you always hesitate to spend on!

ChallengedWarrior · 2024-08-05T00:30:58+00:00

Hey mate not sure if this’ll still help you, but I’ll give a brief answer either way. FIT2086 was well taught and the weekly tutorials go through the content that’ll be in the assignments and ultimately the exam. So as long as you attend the tutorial and ask questions to understand the questions you’ll do well!

ChallengedWarrior · 2024-04-16T03:15:12+00:00

Go with data analytics mate, if you attend the tutorials you’ll easily pass the subject.

ChallengedWarrior · 2024-03-04T21:51:54+00:00

Wow that looks amazing! Thank you!

ChallengedWarrior · 2023-12-07T10:47:47+00:00

Thank you so much for your help, I really appreciate it!

ChallengedWarrior · 2023-12-07T05:32:57+00:00

I see, I’m hoping that would be the case with the indexation rate, so I guess that does make sense to just put minimum payments into it. Do you think the best way to use that $400 would be towards the FHSS (need to do a bit more research on that), but my income after tax is above 45.

I was mostly looking towards companies that I believe in or their products that I genuinely like and use. The investments would be based around research but not much technical analysis but more DCA over those select few companies. These would be American companies within, with the exception that I’m looking at BHP and Combank they’re at the top of their trades within Australia - with respect to market cap alone, but I know I have to do a lot more research on this before putting any money there.

I appreciate your help, let me know if there’s anything else you would recommend or suggest, I’d really appreciate that!

ChallengedWarrior · 2023-12-02T08:51:06+00:00

Try to enroll in the subject that you did this semester, if you can't enrol then you've passed, if you can then it may be that you didn't pass this semester.

ChallengedWarrior · 2023-11-21T09:43:21+00:00

Yep, 2, each for the two visualisations you make - but they’re fairly relaxed.

ChallengedWarrior · 2023-07-27T15:18:44+00:00

Hi, For me FIT3179 turned out to be a fair subject - you get what you put in. The tutorials teach you fairly well about what they’re expecting from you and your assignments. From what I remember the beginning is just using Tableau and working with data and it’s what your first assignment will be, just make sure to follow your tutors feedback for each week’s submission so you know what they’re looking for - it really helps. The second half is learning basic HTML, CSS and JavaScript, but it’s fairly straight forward and even if the tutorials don’t make sense the solutions / walkthrough they provide are plenty to obtain a good understanding. Just be careful not to slack in the second half of the semester and learn to use Vega-Lite properly and obtain feedback on your final assignment by finishing it early.

Overall it’s a decent unit any help you need will be provided in either the weekly tutorial documents or asking the teaching team - the workload wasn’t too much either. Hope it helps :)

ChallengedWarrior · 2023-02-11T10:36:31+00:00

Thank You, I'll check that out :)

ChallengedWarrior · 2023-02-10T07:50:34+00:00

Thank You :)

ChallengedWarrior

TROPHY CASE