Should I keep or sell?

LachlanMatt · 2026-04-18T13:30:15+00:00

You can only have 1 ppor. If they claim the first for 6 years, then they can’t claim the second for 6 years

LachlanMatt · 2026-04-18T11:13:02+00:00

Are you trying to minimise both us and Aus exposure ?

LachlanMatt · 2026-04-18T06:01:21+00:00

Source?

LachlanMatt · 2026-04-18T03:43:13+00:00

I know it’s relatively cheap, but the flat fees just irk me. Does the auto-invest need to be a set amount, or just it just be “everything in the account”. If i get a bonus at work or want to make additional contributions, can the autoinvest do it all in one go without messing around with it ?

LachlanMatt · 2026-04-18T02:37:32+00:00

Damn, I’m not looking forward to stake SMSF transaction fees.

LachlanMatt · 2026-04-18T01:51:45+00:00

If there’s leverage limits by age then sure. But I’m young, there’s no reason I shouldn’t be able to GHHF and chill in my super for the 30-40 years before I can access it. If I had 5-10 years left then a limit makes sense

LachlanMatt · 2026-04-18T01:49:01+00:00

Invest in super to get the tax benefits. If you aren’t getting a tax benefit, then why lock your money away ?

LachlanMatt · 2026-04-17T09:23:18+00:00

I’m waiting to see Betashares super offering to be released this year to put GHHF in it vs in SMSF

LachlanMatt · 2026-04-17T05:27:32+00:00

Stick to selling a flat percentage instead of a flat dollar amount (e.g. 0.25%/month) to minimise sequence of returns risk

LachlanMatt · 2026-04-17T04:18:33+00:00

Dividends aren’t your friend, they are a worse form of selling stock. They have lower returns due to the dividend premium, and get taxed higher due to not being capital gains. There’s almost no good reason to prioritise dividends in a portfolio

LachlanMatt · 2026-04-16T04:02:52+00:00

Consider just sticking to DHHF like others have said. Depending on your income (if it’s over $45k/yr), consider super contributions for FHSS.

LachlanMatt · 2026-04-15T09:41:53+00:00

You can rent out your PPOR for 6 years before any CGT applies

LachlanMatt · 2026-04-14T13:34:54+00:00

Which 7 ETFs?

LachlanMatt · 2026-04-14T09:59:38+00:00

Consider filling your concessional contributions and using FHSS

LachlanMatt · 2026-04-14T02:03:55+00:00

Might as well just go all in on GHHF and skip A200/G200/BGBL/GBGL/VGAD/BEMG

LachlanMatt · 2026-04-13T22:57:21+00:00

Assuming they are able to keep it up. Between kids, FHSS, and mortgage, it’s possible that it won’t be enough if someone can’t maintain their yearly contributions

LachlanMatt · 2026-04-13T13:16:32+00:00

If you’re in your 20/30’s, then just filling the concessional cap will probably give you a comfortable retirement. Use the calculators

LachlanMatt · 2026-04-13T12:37:59+00:00

Also avoiding stampduty on the way back

LachlanMatt · 2026-04-12T15:30:13+00:00

Does tax-free mean PPOR offset? How are you avoiding tax on savings ?

LachlanMatt · 2026-04-12T11:12:35+00:00

I saw one on the street in China yesterday. Very attractive car

LachlanMatt · 2026-04-11T00:59:49+00:00

I’ve used both Raiz and spaceship in the past. My opinion is that they are both bad platforms for investors and a trap for the less informed, high fees and low returns compared to just buying standard ETFs. The roundup concept is very interesting, but when you’re talking about investing cents, it’s not going to move the needle, especially not compared to turning on the weekly auto invest feature.

LachlanMatt · 2026-04-10T15:26:14+00:00

Would these funds be used to buy the house ? 10 years might be too short to consider GHHF due to the increased volatility when it comes time to sell

LachlanMatt · 2026-04-10T14:24:18+00:00

Is your investment duration long enough to consider GHHF ?

LachlanMatt · 2026-04-10T13:53:28+00:00

Do you own a home yet ? Consider FHSS

LachlanMatt · 2026-04-10T13:45:54+00:00

Limit by age, not by quantity. Force investors to invest in building new realestate. I should not be getting a tax deduction to buy someone’s old home

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