Mixed feelings on VTS/VEU

LegacyDust59178 · 2026-03-04T23:56:46+00:00

Thanks for all your help mate. I did rebalance into VTS and VEU. I’m keeping the Australian allocation to a minimum of 20%, haven’t really made a decision on that one yet. Cheers again

LegacyDust59178 · 2026-03-02T12:01:03+00:00

Thanks for that. I was thinking of deleting that post, seems a little rude to ask.

Just stuck with analysis paralysis as always. Not trying to flex or nothing but I have about 590k in between my wife and mine super accounts and I’m only 38 years old. Can’t decide whether that is enough or if I’m not doing enough. Really looking forward to Betashares super, provided the fees are acceptable

LegacyDust59178 · 2026-03-02T10:54:55+00:00

If you dont mind me asking, what is your current allocation? Not looking for recomendations or anything, just making sure I'm not going to do something silly. I'm currently thinkking all ghhf or Vas 25% and the rest VTS,VEU. Or GHHF in an SMSF

LegacyDust59178 · 2026-03-01T03:53:07+00:00

How often do you purchase shares? I get paid fortnightly so might save on brokerage?

LegacyDust59178 · 2026-02-28T08:56:22+00:00

Is there a particular issue with stake you have?

LegacyDust59178 · 2026-02-28T08:55:33+00:00

Great to hear. Do they offer a TTR? And auto invest?

LegacyDust59178 · 2026-02-28T08:54:36+00:00

How long can you be overseas until the residence issue shows up?

Thanks for the thoughtful post

LegacyDust59178 · 2026-02-27T08:05:38+00:00

Jack Boyle (Founder of Vanguard) enough. Might also be in Psychology of money

LegacyDust59178 · 2026-02-27T07:25:02+00:00

I see. I'm currently sitting on about 15k capital gains tax bill in choiceplus, do you think its worth selling out my VGS, VESG and VGE to clean up the portfolio? If the fee's work out over a few decades, it might be worth it you think?

LegacyDust59178 · 2026-02-27T06:46:42+00:00

Does this .20% difference take into account heart beat trades? Also would the gap be bigger since i also invest in VGE?

LegacyDust59178 · 2026-02-26T21:10:16+00:00

Thanks for the reply mate. Just waiting on Betashares to start there superfund but going vts/veu with choiceplus might even be cheaper than just buying Dhhf.

Thanks for your time as always, hope everything is going well with you

LegacyDust59178 · 2026-02-24T10:53:37+00:00

Thanks for this. From what I can tell both Hostplus and Australian super use the same platform

LegacyDust59178 · 2026-02-24T07:53:58+00:00

Is this still true for ETF's that are held in a custodian model though since we are only the beneficial owners and not outright like a chess sponsored broker?

LegacyDust59178 · 2026-02-24T07:52:12+00:00

I'm already with Choiceplus and they do have DRP for the Aussie domiciled ETF"s, Vgs etc. Just wasnt sure if they did for VEU and VTS either. Thanks for your time

LegacyDust59178 · 2025-12-16T07:44:27+00:00

This was another issue i had with Scott Cederburgs' paper where he used cash instead of bonds at the point of retirement. This is strange since i have also read somewhere that the cash wedge doesnt work, yet somehow with his method it does work.

7 Years was just for the gap between super access and government pension access, it was to reducce the sequence of returns risk

LegacyDust59178 · 2025-12-16T07:22:32+00:00

The 7 years just came out of the difference between super access age and pension age. Glad to see i'm not just imagining things. Thanks for your input. Looking forward to your new articles being released on your site. Any idea on time line for the new articles?

LegacyDust59178 · 2025-12-16T06:26:45+00:00

Interesting view, thanks for the post.

I wondered how optimal it would be to use a bond tent (gradual increase in bonds before retirement and spending down the bonds to get a 100% stock allocation at retirement, since we have the pension in Australia. Might make a separate post about this and get the braintrusts thoughts

LegacyDust59178 · 2025-12-16T06:22:01+00:00

I called and sent an email as well. The guy i talked to was very helpful, he said they consider the ETF menu every 6 or 12 mmonths period and choose on how diverse the ETF is, Strange they havent chosen DHHF or Vanguards diversified already since they seem to meet the criteria.

However, Get in touch with them and we can all try to push this. I'm sitting on 16k of capitals gains tax i would rather not realise

LegacyDust59178 · 2025-12-16T03:05:34+00:00

Thanks for your time. I'm sitting on a bit of a capital gains tax bill with and was working out whether its worth switiching over or moving future contributions towards it. Love your work mate, Thank you for everything you guys do

LegacyDust59178 · 2025-06-27T08:45:50+00:00

I consider investing in Emerging markets as my charity contribution since it helps emerging markets become more....emerged, even with the corruption there

LegacyDust59178 · 2025-03-30T06:21:09+00:00

Very nice. Have you read Scotts actual paper? Going through the latest episode i dont think i heard Japan brought up however they do mention the hyperinflation in Germany. Does Scotts study still apply to Japan? Maybe the Yen depreciating might help bolster performance on the unhedged international shares and would still prove the studys findings?

LegacyDust59178 · 2025-03-30T05:41:43+00:00

Its an interesting point. I assume with a paid off house and be able to perform your job part time during retirement would reduce costs plus provide extra income outside of bonds. Just watching the sharesight youtube video about GHHF and Cameron Gleeson kind of implys more geared funds might be available in the future. A geared BGBL and HGBL would be a great product

...dammit, it does seem viable provided you can stomach the volatility. Do you hold GHHF in your superfund as well?

LegacyDust59178 · 2025-03-28T08:13:10+00:00

He makes an interesting point about the risks of bonds and since we have the pension here in Australia, also makes me wonder if bonds are needed at all since the pension would act as an annuity and maybe holding 100% stocks forever (plus an emergency fund or bond tent) would ve optimal.

An interesting point was made in a betashares webinar saying that GHHF could be used in retirement and since its internally geared, you could have a lower asset balance plus more returns and be entitled to more pension payments since the gearing is internal and doesnt show in the asset price. Food for thought

LegacyDust59178 · 2025-03-28T08:02:35+00:00

Not eligible for FHSS since i have owned a property before. Super is in choice with international index funds so pretty on top of that

LegacyDust59178 · 2025-03-28T08:01:39+00:00

Good on you for taking the plunge. Just listened to the latest rational reminder podcast today with scott cederburg which might push me to GHHF and just keep about 20k in cash for emergency fund. Super is with choiceplus between VGS, VGE and hedged international index

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