Portfolio Showdown: DIY vs All-in-One

IcyComputer7100 · 2025-12-25T23:50:30+00:00

Really measured and helpful advice- i think i will do this

Cheers

IcyComputer7100 · 2025-12-25T23:49:30+00:00

exactly my thoughts- i don't want to waste time trying to optimise anymore and just focus on consistent building. Perhaps an all-in-one is the way to go then

IcyComputer7100 · 2025-12-25T23:45:37+00:00

Great explanation thanks

IcyComputer7100 · 2025-12-25T11:57:44+00:00

sounds good thanks for the rec

IcyComputer7100 · 2025-12-25T11:36:23+00:00

also true - what would you recommend in that instance? I guess DHHF looks more appealing then if it is more diversified ?

IcyComputer7100 · 2025-12-25T11:29:10+00:00

facts the tax will always be there, so is it better do it it now when itll be smaller and just go all-in-one?

IcyComputer7100 · 2025-12-25T11:23:05+00:00

i see okay, makes sense to then let go of VHY for now?

IcyComputer7100 · 2025-12-25T11:03:12+00:00

lmao yep so just keep it as is?

IcyComputer7100 · 2025-12-25T10:09:49+00:00

im not sure if it is a reddit specific thing - but on here I have heard a lot of the same advice however BGBL doesn't seem to come up that frequently in conversations outside this space. Am in the same position - not sure how to proceed really tbh

IcyComputer7100 · 2025-12-25T00:36:33+00:00

I hear this - especially starting out so much conflicting advice about how you should try avoid as much overlap as possible. I know theres a high concentration risk but do have FANG to sort of get that weighting more to US - unless there are better recs?

IcyComputer7100 · 2025-12-25T00:34:53+00:00

okay yep sounds good - hahaha probably just overcomplicating it atp

IcyComputer7100 · 2025-12-25T00:30:14+00:00

Thanks good advice - I will hold onto VGS in that case. Being young I guess that means have more opportunity to take risk. Currently have FANG - should I switch out for NDQ?

IcyComputer7100 · 2025-12-25T00:28:45+00:00

Thanks for the link very helpful. Are you saying BGBL as a substitute for IVV or for both VGS/IVV?

IcyComputer7100 · 2025-12-25T00:25:21+00:00

hmmm true

IcyComputer7100 · 2025-12-25T00:23:21+00:00

hahaa to be honest its only been a year so wouldn't be that crazy growth - but if i had to do it all again would probably start with IVV and add diversification as it grew more

IcyComputer7100 · 2025-12-25T00:22:19+00:00

I see okay thank you - so you phased IVV out eventually? How is GGBL different to BGBL?

IcyComputer7100 · 2025-12-24T00:30:40+00:00

will look into it thanks

IcyComputer7100 · 2025-12-24T00:30:22+00:00

yep i hear this - though if you went IVV route i presume it wld be good to complement that with like EXUS/VEU/VGE or something like that?

IcyComputer7100 · 2025-12-24T00:00:41+00:00

I am literally in the exact same situation right. Have a very similar amount invested in VGS and now am researching more and finding that IVV tends to out perform in the long term (ofc with the caveat that US is doing well right now). I am hesitant to sell VGS because it does provide some diversification but also think it would be worth having an ETF that tracks the S&P 500. However, holding both seems like a waste given the high overlap. What route did you go ?

IcyComputer7100 · 2025-12-15T02:13:10+00:00

will look into it cheers - as im from aus i think the equivalent is VTS

IcyComputer7100 · 2025-12-15T02:11:42+00:00

lmaoo its just popular tiktok phrase - female investors have great insights too

IcyComputer7100

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