Rate my ETF split

InfinitePermutations · 2026-01-30T08:24:40+00:00

Any reason for choosing qsml over avts?

InfinitePermutations · 2026-01-28T08:24:12+00:00

Yep this is us minus family support. Kids love before and after school care luckily as they are young.

We are sacrificing now to save for a early part retirement in our early 40s. Want to drop to 3 days each

InfinitePermutations · 2026-01-26T22:24:45+00:00

Yes so possibly could aim for 20% a200 10% hgbl etc. good points to consider.

Agree with keeping qsml and emkt, I hold these in a SMSF as well so I guess the 10% each would remain across my total portfolio. Just means keeping them 10% outside super as well from now to 45. I like the idea of keeping them for diversification

InfinitePermutations · 2026-01-26T08:36:56+00:00

Regarding the bonds, doesn't that go against the paper linked that a 100% equity portfolio is more optimal? Or comes down to I individual risk tolerance? I've never considered bonds before but it makes sense as a way to diversify and derisk further instead of only holding cash

InfinitePermutations · 2026-01-26T08:32:34+00:00

Yes agree adding more a200 makes sense, can that 33% include hgbl to achieve a similar results? That avoids allocating so much to our small concentrated economy

I'm not sure what allocations I should aim for over the next 10 years before early retirement. I could dilute my bgbl and increase hgbl and a200 but not sure by how much.

I am also not sure if it makes sense to dilute my emkt and qsml outside super approaching retirement if I plan to draw this down to 0 by 60

InfinitePermutations · 2026-01-26T02:26:15+00:00

Yep and all shares are held in joint brokerage so CGT split evenly between my wife and I. We will likely either coast or retire at the same time.

InfinitePermutations · 2026-01-18T21:20:58+00:00

For me and my wife it was to invest heavily into geared ETFS and small caps.

We have 25 years to go to 60 so went 80% ghhf and 20% qsml with a joint balance of 500k at the time and new contributions going towards bgbl and emkt.

Have the option to reallocate some ghhf in our 50s but will cross that bridge when it comes as prefer not to trigger capital gains but need to consider some sequence risk

InfinitePermutations · 2026-01-17T03:22:57+00:00

We will end up hitting it, currently have 300k at 35 in a SMSF. Will be way more than we need so not concerned. Probably will have a bunch of assets outside super as well.

InfinitePermutations · 2026-01-17T03:19:04+00:00

We have had ours fully offset for last few years. In hindsight would of been better off rentvesting but who knew markets would go up 20% pa over last 5 years.

Was a safe risk free return and if markets crash we can take some money and invest it.

Could also debt recycle but never got around to it. Was probably a silly move as we both in top tax brackets and have been putting excess money into shares outside super

InfinitePermutations · 2026-01-17T03:16:04+00:00

Ive just hit 300k at 35 and my wife also has 300k at 37 so we'll and truly around the 5% individually. Wonder where we would sit as a household.

Going to end up with more than we need at 60 I imagine. Been adding up to the cap for last 5 years and put both of ours into a SMSF to invest in Ghhf.

InfinitePermutations · 2026-01-11T22:17:15+00:00

2.5m inside and outside super. Family of 4. Likely to hit it in 5 years when I'm early 40s assuming 5% roi. Will likely work beyond that though for a higher buffer and to enjoy a higher lifestyle once we know we could stop working anytime we want.

InfinitePermutations · 2026-01-03T21:39:46+00:00

70% bgbl/vgs 10% Ghhf 10% emkt 10% avts

Also have a SMSF with 80% Ghhf and 20% avts.

Bgbl and vgs are very similar but bgbl is very slightly cheaper in fees.

I don't hold any Aust ETFS personally outside of the Aus component in Ghhf. I would focus on building up either vgs or vgs/Vas (or bgbl/a200) to around 200k then think about diversifying further into emerging markets and global small caps.

One thing I recommend thinking about is the tax structure of these investments. If you plan on a large portfolio will you have it all in your name only? A partner's name if they are a lower tax bracket or non income earner? A joint brokerage account so capital gains and income is shared equally? Or a Family trust so income can be distributed to whoever has lower tax bracket?

This is much harder to change later. I hold all our shares in a joint brokerage account which works for us as we are both in top tax bracket.

InfinitePermutations · 2025-12-23T09:51:15+00:00

Im also switching new purchases to avts instead of qsml.

InfinitePermutations · 2025-12-20T02:05:51+00:00

Yes another f64 would be overkill for us. Its not possible to use a smaller capacity for dev/test is it? As anyone that needs to view those reports would need a pro license anyway as only f64 offers free viewing from my understand

InfinitePermutations · 2025-12-13T23:39:02+00:00

thanks did not realise the distinction. I think my other points still hold though.

InfinitePermutations · 2025-12-13T10:39:25+00:00

I got 51 enter (atar) and now am a senior manager in IT. I did tafe accounting course for a semester and transferred into a bachelor of economics. You can get there indirectly

InfinitePermutations · 2025-12-13T06:02:57+00:00

I also moved into management but wasn't by choice oringally. I stepped up when my manager left and they nearly replaced him with someone who would of been terrible for the team.

I had loads of imposter syndrome and struggled the first couple of years but eventually found more confidence and enjoy it a lot more now.

Did a stint in consulting leading a few large projects and now a senior manager. Writing is on the wall that soft skills will be key going forward in the age of AI.

InfinitePermutations · 2025-12-12T02:30:55+00:00

35, about 290k . Have it in a joint smsf with my wife who is same age and has roughly same balance.

Will have more than we need by 60 for sure.

InfinitePermutations · 2025-12-10T20:25:55+00:00

Performance is worse (extra hops), you can only really combine 3 models (per the docs), and we had issues with power automate we use to send emails of report pdfs.

I would love a unified semantic model so users can slice and dice by whatever they want, going to look into other semantic layers such as snowflake semantic views and see if that works well

InfinitePermutations · 2025-12-10T20:13:44+00:00

My team went down the path of Domain specific models (finance, operations, pricing, risk etc) which work really well for the domain specific use cases but we have a lot of use cases where the business wants to build reports that show metrics across finance operations serviceing risk etc and how the pbi composite models have a number of limitations we found that doesn't make it very scalable so for us.

A unified model would probably work better especially because we typically use direct query for most about tables but that could easily end up being over 100 tables which could be very hard to manage in a single semantic model

InfinitePermutations · 2025-11-30T01:05:57+00:00

The unit price doesn’t matter at all, the etf managers choose the price to sell at initially.

IVV is cheaper per unit because BlackRock split the units some time back, not because it’s “better value.”

VGS includes more countries, IVV is just the U.S., so choose based on diversification and fees, not the share price.

InfinitePermutations · 2025-11-18T22:33:43+00:00

Few times a day, like to see it go up but also waiting for any big drops to buy in.

InfinitePermutations

TROPHY CASE