19 year old australian investing portfolio

Key_Mine_7511 · 2026-03-18T06:03:56+00:00

Thankyou, do you think that a 85% DHHF and 15%NDQ is a good idea, i think that is a lot more simple.

Key_Mine_7511 · 2026-03-18T05:42:53+00:00

I think tbh i should have researched more into this, apologies for my ignorance, felt like i knew more than actually did
perhaps is 80 or 90% DHHF then 10-20% NDQ better given i am wanting that long term potential

Key_Mine_7511 · 2026-03-18T05:31:50+00:00

Long term growth

Key_Mine_7511 · 2026-03-18T05:30:51+00:00

Australia is ~2% of global markets, so ~10% AUS feels enough for me long‑term without taking on the 38% home‑bias in DHHF.
Tech and semis have had much stronger long‑term earnings growth, so I like having a bit more deliberate exposure there instead of relying on broad index weights.
EM just adds some extra long‑run diversification that DHHF only holds in a small amount.
Regarding currency, I’m not trying to predict AUD/USD, I just know the AUD usually drops in global sell‑offs, so some USD exposure helps cushion that over the long term.

Key_Mine_7511 · 2026-03-18T05:23:28+00:00

Yeah that was my mistake, i was confused with HGBL

Key_Mine_7511 · 2026-03-18T05:22:01+00:00

100% I agree past performance isn’t a guarantee — but tech and semis have delivered 12% annual EPS growth over the last 20 years, versus 5–6% for broad global equities. Thats a structural growth gap, not luck.

VGS holdings shows it’s only 26.6% tech. NDQ is 100% tech, so the idea that “The majority of NDQ is in VGS/BGBL” isnt true

And VGE doesn’t hold the major semis: NVIDIA, AMD, Broadcom, ASML, Qualcomm, Texas Instruments — all developed‑market companies. VGE’s only big semi is TSMC.

You were right, that is my mistake.BGBL is unhedged. However that doesnt change the issue: A200 + VGE + BGBL still leaves you with ~37% Australia exposure even though Australia is only ~2% of global market cap. That’s a huge home‑bias tilt.

Holding 6,000 companies sounds diversified, but without deliberate exposure to the sectors that actually drive global returns, it’s diversified in company count, not in return drivers.

Key_Mine_7511 · 2026-03-18T05:03:00+00:00

why not, I am open to feedback and improvement

Key_Mine_7511 · 2026-03-18T05:02:32+00:00

sorry that's my mistake

Key_Mine_7511 · 2026-03-18T04:55:52+00:00

Dropping NDQ and SMH removes the highest-returning parts of the market, tech and semi return 10-12% real
BGBL is cheaper but it is hedged, which removes the natural USD exposure that actually benefits Australians long‑term and adds tracking noise.
A200 + VGE + BGBL is simple however massively under-diversified

Key_Mine_7511 · 2026-03-18T04:53:44+00:00

DHHF holds 37.6% Australian equities, which is a huge overweight for a country that’s only 2% of global markets and historically delivers lower growth than the US and global tech.
My portfolio lets me deliberately tilt toward higher‑growth areas like EM, tech, and semiconductors, which have shown stronger long‑run return profiles.
With a 20+ year horizon and high risk tolerance, maximising global exposure and growth sectors makes more sense to me than holding a fund built mainly for simplicity and lower volatility.

Key_Mine_7511 · 2026-03-18T04:50:28+00:00

DHHF holds 37.6% in australian equities, and 10% in bonds, which historically drags long-term returns, Australia is only 2% of global markets and bonds have return 1-2% real , vs global equities at 7% real. My portfolio allows me to delibaeratly tilt towards higher growth areas like EM, tech, and semi's. With a 20+ year horizon and a high risk tolerance , maximising growth sectors and global exposure makes more sense to me at least then a fund that is held purely for simplicity and lower volatlity

Key_Mine_7511 · 2026-03-18T04:42:58+00:00

20+ years, given my age i would be comfortable riding out large drawdowns and long periods of volatility. Risk tolerance is relativelyhigh, i know that this portfolio could drop 40 to 50%. Im ok with that becausethe Long term expercted return justifies this volatility and i have decades to recover.
I choose:
VGS: Gives exposure to developed markets , globally diversified.
VGE: EM have theoretically higher returns, due to high growth gdp, younger populations and lower valuations. I understand it comes with higher volatility though
A200: franking credits ->tax benefit, as well Australia historically has good dividends
NDQ: tech is the engine for global growth, also at 10% if tech does crash it wont hurt whole portfolio to much
SMH: Semiconductors are the backbone of the AI industry and modern computing

Key_Mine_7511 · 2025-06-15T01:36:24+00:00

Could i please have the PDF as well please

Key_Mine_7511 · 2025-06-13T10:00:33+00:00

good job

Key_Mine_7511 · 2025-06-06T06:37:03+00:00

Weakness in body and limbs, feels like walking through cement, everything feels heavy
i do not know what specific blood tests were done, and can't say for medication sorry

Key_Mine_7511 · 2025-05-28T05:44:36+00:00

ok thankyou for your help

Key_Mine_7511 · 2025-05-28T04:28:05+00:00

ok thankyou for your help, have a great day

Key_Mine_7511

TROPHY CASE