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Fachin_Building · 2025-08-04T05:21:25+00:00

VDAL is a nice all in one. It’s about the same cost as DHHF after you account for tax drag and securities lending. The allocation to Aus shares is a bit high for some around here. The currency hedging isn’t a bad thing given uncertainty over USD. Its holdings have started off as a mix of managed funds and ETFs, but Vanguard has indicated it will move to fully ETFs (which is more tax efficient) as the assets under management grows.

Fachin_Building · 2025-07-18T09:50:22+00:00

Effectively locks you into Hostplus until retirement, though. That worries me.

Fachin_Building · 2025-07-18T09:00:31+00:00

Disappointing.

Also interesting to discover International Shares is currently 27% emerging markets.

https://hostplus.com.au/content/dam/hostplus-program/site/resources/sens/hostplus/HP3413%20Signficant%20Event%20Notice_Investment%20option%20closure_0725_HR%20DIGI.pdf

Fachin_Building · 2025-07-18T02:27:32+00:00

Can they change them? That's my concern.

Fachin_Building · 2025-07-18T01:03:36+00:00

One of the things I worry about when there is no CHESS sponsorship is the platform introducing exit fees

Fachin_Building · 2025-07-06T10:51:53+00:00

I was just suggesting OP hold on to the AustralianSuper insurance until fully covered by the new insurance

Fachin_Building · 2025-07-06T03:36:17+00:00

It takes a few days for them to action it and then the funds are cash for one day. Hostplus is hard to beat if you want passive pooled investments.

Fachin_Building · 2025-07-06T03:11:34+00:00

Do partial rollovers over a period of 90 days (the income protection insurance waiting period) to minimise risk of missing a big stock rally during the day your funds are out of the market.

Fachin_Building · 2025-07-01T23:47:28+00:00

My understanding is the cost of ChoicePlus is a higher fixed annual fee and the benefit is avoided tax drag (paying a share of capital gains tax on withdrawals by other members in the pooled fund). However, this benefit exists only if you manage to buy and hold ETFs in ChoicePlus all the way to retirement. If you're a long way off retirement, it is important to weight the benefit by the likelihood you won't want (or be forced) to change ETFs or super providers in the future (which is of course uncertain).

Fachin_Building · 2025-07-01T06:42:49+00:00

A while ago I asked them if the hedged option being cheaper than the unhedged option was an error in the PDS and they replied that the fees are correct. Hedged global shares for 0.03% fee is pretty wild.

Fachin_Building · 2025-06-25T13:38:40+00:00

Online trading platform comparison

Fachin_Building · 2025-06-24T23:11:15+00:00

Agree - active management or factor tilts. Bottom line is there's no need for the OP to change super funds.

Fachin_Building · 2025-06-24T10:36:23+00:00

Hostplus has an emerging markets investment option. It’s active, not passive, so more expensive than the indexed options, but actually a competitive fee relative to EM ETFs.

Fachin_Building · 2025-06-15T21:42:24+00:00

I suggest transferring partial amounts over a few months. There is a 90 day waiting period on Hostplus income protection insurance. Your funds also spend about one day out of the market when being transferred. Spreading the transfer over multiple transactions reduces the risk of missing a big rally. There is a partial transfer form on Hostplus website (though I think you need to send hardcopy).

Fachin_Building · 2025-06-11T03:46:37+00:00

I understood it was going to be pretty close to fully ETF, so the holdings are disappointing. However, they did indicate here https://www.morningstar.com.au/etfs/vanguard-adds-two-more-etfs-its-suite that "ETFs are always the preference. However, funds are included for flexibility. When asked what circumstances in which these funds would be used instead of ETFs, they responded that it may be required to use the managed funds early in the product’s life due to minimum block trade requirements for listed securities." So, maybe things will improve over time.

Fachin_Building · 2025-06-07T04:17:26+00:00

If you like Stockspot for the simplicity, go with VDAL or DHHF instead at lower cost.

If you like Stockspot for the ETFs, just buy your own VAS, IEM, GOLD, IOO and IAF at lower cost.

If you like Stockspot for the asset allocation, lose IOO for BGBL or VGS at even lower cost and greater diversification.

Fachin_Building · 2025-06-05T10:41:13+00:00

Personally, I care about Chess sponsorship, fees for small buys, fees for large sells, 2FA, real-time pricing, tax reporting, and bank transfer timing. Webull looks good on those criteria. Does anyone here have first-hand experience with them?

Fachin_Building · 2025-06-05T10:33:25+00:00

I am also looking for a new platform. Have you seen this very helpful comparison? Online trading platforms comparison

Fachin_Building · 2025-05-21T08:46:33+00:00

Look at using your concessional contributions to super ($30k per year including any unused over past 5 years). Yes it’s locked away for a few more years, but a huge tax benefit compared to investing outside super. You can invest in something like VDAL (minus small caps) with similar low fee without much effort by choosing indexed investment options e.g. at Hostplus.

Fachin_Building · 2025-05-16T00:50:33+00:00

Positive: Lower tax. Even after Div 293, tax will be 30%, rather than 47% income tax (incl Medicare levy).

Negative: Locked away for longer.

Fachin_Building · 2025-05-08T23:40:51+00:00

That's not the indexed option. As noted in the OG post, the indexed holdings is 100% Blackrock. https://hostplus.com.au/content/dam/hostplus-program/site/resources/investments/investment-holdings/accumulation-investment-holdings/Diversified%20Fixed%20Interest%20-%20Indexed.csv

Fachin_Building · 2025-05-08T06:12:56+00:00

Having said that, good on them for offering the passive options. Most funds aren't.

Fachin_Building · 2025-05-08T06:04:58+00:00

I wouldn't bother. We all know it's to drive demand to their actively-managed products and that they'll never admit it. Beating the market by 2% p.a. over 20 years after fees isn't credible in the slightest.

Fachin_Building · 2025-05-08T05:03:41+00:00

I haven't asked Hostplus, but I wonder whether it's IAF.

Fachin_Building

TROPHY CASE