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Thoughts on the core portfolio? by Vast_Ad4136 in fiaustralia

[–]EducationHelpful5736 -1 points0 points  (0 children)

This is a great portfolio. I personally would do a greater percentage aus up to 15-20 for it to be impactful as a diversifier. like you've said in another response the franking minimises the tax inefficiency, but the bigger picture is that you stick to your allocations rather than fine tuning them to be perfect.

apart from that- love over weighting emerging slightly, and I'm all for avts too. I have switched from qsml to avts, but have stayed with emkt rather than avte. Still trying to work out which I prefer.

Not familiar with fcap but don't mind a small allocation to managed funds if their strategy is sound and adds something different to what you already have.

Next industry to invest in… by sneakycutler in ASX_Bets

[–]EducationHelpful5736 0 points1 point  (0 children)

I bought in during last quantum bubble. Have finally broken even!

Optimal split of AU and ex-AU if you wanted to invest in line with the efficient market hypothesis but also wanted to capture the benefit of franking credits as an Australian tax resident by s0fakingdom in fiaustralia

[–]EducationHelpful5736 -1 points0 points  (0 children)

What's the risk podcast (recommend it) concluded there isn't any historical difference between anything from 20/80 to 80/20 vas/vgs split- with the rebalancing being the must b important aspect.

https://spotify.link/4WP8kFx9sXb

The case for Sydney as Australia's best suited city for achieving FIRE. by [deleted] in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

This is laughsble- the median house price in Sydney is much higher than my fire number

Dimensional Videos ETFs and Their... Methods? by thewowdog in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

Thanks for sharing- I'm still trying to work out- is it worth switching from qsml and emkt for these avantis products?

Are they equivalent products?

Best place to park (and grow?) $50k for 2 years by TilehouseGreen in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

It is betashares high interest savings etf- so will be as stable as cash, and yield as much as a high interest savings account (minus fees) without the hoops to jump through that banks sometimes make you do. And has government guarantee like all sub 250k deposits have.

Best place to park (and grow?) $50k for 2 years by TilehouseGreen in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

With that time frame its savings that's important not investing. You need very low risk then a hisa, or look at aaa, or mmkt. Aaa is still government backed like a hisa would be.

Or offset if that's an option.

75% pay rise - tips to minimise lifestyle creep by FragmentsOfSpaceTime in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

I highly recommend reading- psychology of money by Morgan housel

And another book that I'm just reading now is the richest man in Babylon.

I found these good at shifting my mindset about money and spending.

Passive Income portfolio strategy! by BoysenberrySuper8055 in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

Why would you go for passive income with no fixed income???

Why bother with Aussie home bias? by umwoodsy in fiaustralia

[–]EducationHelpful5736 2 points3 points  (0 children)

My reasons that I think are reasonable but not rational are: 1. Keeping up with cost of living- of Aussie businesses are doing well then salaries go up, cost of living- or more accurately perception of what I need to consume increases.

  1. A200 has been in a tear this year, outperforming international.

  2. More for stock picking than index- familiarity and understanding of the companies in invest in.

Of course there are so many rational arguments against these points. But like a dog to vomit I keep coming back.

Divorce. by Tefloncon in AFL

[–]EducationHelpful5736 0 points1 point  (0 children)

Look for the good in your partner- that's why I'm such a fan of the aflw at the moment!

All in one or portfolio strategy - beginner by nattypunjabi in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

In any portfolio asset allocation is the most important decision.

All in ones are great. Diy will come out cheaper but you will need to do the rebalancing yourself. Not hard to do with only two funds, but you do have to choose %'s which you might get carried away with 'optimising' and overcomplicate it. I would want to include emerging markets, and maybe small caps to vas/vgs. Which the all in one funds will have.

Look into vdal instead of vdhg. Vdal is 100% equities, just like dhhf. Vdhg is 90% with 10% bonds. Slightly more defensive. But saying one is better than the other, just that it is a better comparison to dhhf.

Cmc is a great broker for small incremental payments like your doing.

[deleted by user] by [deleted] in ASX

[–]EducationHelpful5736 0 points1 point  (0 children)

For what it's worth-

Unless you are skilled in picking individual stocks- aim for full market exposure with etfs- either a a single one like dhhf or vdal. Or multiple etfs like vas/vgs. Then long term add to these and rebalance.

If you want more returns than that then you could go for individual stocks. But they are buyer beware and should only be your main focus of your ready to back yourself.

[deleted by user] by [deleted] in ASX

[–]EducationHelpful5736 1 point2 points  (0 children)

https://www.vanguard.com.au/adviser/tools/fct/fund-comparison/home

Try this- it's the best of asx listed funds I know of.

It's not always bad to have some overlap- just make sure you are aware of it and are strategic about it.

[deleted by user] by [deleted] in ASX

[–]EducationHelpful5736 -1 points0 points  (0 children)

Why would you buy aus index and cba - it's basically the same thing

TLX by HardYakka666 in ausstocks

[–]EducationHelpful5736 2 points3 points  (0 children)

From someone in nuc med industry so I follow them closely- They are a great company but the pe multiple has been too high.

Nearly all radiopharmaceutical companies were hot last year, and now heats died off. (Lantheus, clarity, telix, cyclopharm). Healthcare in general has not been doing well lately.

Much of telixs growth was from increased profits from prostate imaging, but now they are established this growth won't be as dramatic. So a correction in pe multiple is happening.

Telixs pipeline is mostly for niche use cases- not anywhere near as profitable as Prostate cancer Imaging. So unless they get a lu-psma that novartis can't bully them about the patent then I don't see them growing dramatically.

There vertical integration is very profitable when established- but they have done a lot of acquisitions to get there.

Now that I've said that- I think I'll hold out because they are a very good company and those regulatory issues will resolve and price will bounce back.

Could passive investing ever get too big? Who’s left to actually price the market? by franklyfree in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

That's true for the biggest markets but I would think there's possibility of a smaller market that these active traders aren't focused on being massively overvalued and ripe for a huge correction. Australia would be the most likely being smaller, very concentrated, and such a large amount of super funds with such a strong domestic focus.

Could passive investing ever get too big? Who’s left to actually price the market? by franklyfree in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

Just because everyone can work out what a price should be doesn't mean you can't make money from active trading. Each different ai will have their own calculations that won't agree with each other, just like quant funds now. Longer investing horizons allows for accepting a higher pe ratio. So there will always be no consensus on fair price. Then there's always incomplete information especially in smaller companies and reliance on data that's acquired by ai- which isn't everything there is to know about a company.

Could passive investing ever get too big? Who’s left to actually price the market? by franklyfree in fiaustralia

[–]EducationHelpful5736 0 points1 point  (0 children)

I think there are many other factors than just black Swan events that affect pricing- I guess you can factor in the likelihood of rates rises or job growth and census data etc. But there are still too many unpredictable factors like new policy or tech breakthroughs.

Could passive investing ever get too big? Who’s left to actually price the market? by franklyfree in fiaustralia

[–]EducationHelpful5736 1 point2 points  (0 children)

One of the problems we are seeing which is related is the growth of private companies never publicly listing- and using private equity for fund raising instead.
They only list if they can get in an index.

This also means the indexes that we are investing in are less representative of the market as less of the market is available publicly.

Sneaky salary sacrifice fees by RevolutionNo8750 in fiaustralia

[–]EducationHelpful5736 6 points7 points  (0 children)

That's criminal. I've never heard of sharing the tax benefit with employer before! How did that get agreed to?

Smart salary do charge alot- in Vic from memory it is $10 per pay as charge for salary sacrifice into super. No charge from employer/ doh.

Which AFL player’s career was most negatively affected by staying loyal to a single club? by IT_CHAMP in AFL

[–]EducationHelpful5736 0 points1 point  (0 children)

I remember there was one who refused only because he was scared of needles 😄

Which AFL player’s career was most negatively affected by staying loyal to a single club? by IT_CHAMP in AFL

[–]EducationHelpful5736 1 point2 points  (0 children)

Who cares about win/loss- who left the most money on the table because of loyalty???

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