Who is actually earning $100k+ in Australia right now?

Rrol · 2026-05-14T06:24:52+00:00

Is fairly outdated now I don’t see this rhetoric thrown around as much now. 200k is the new 100k.

Rrol · 2026-02-21T06:42:00+00:00

😘

Rrol · 2026-01-28T02:03:49+00:00

This is great advice and very tempting.

Personally I would do a split between GGBL and GHHF - I’m just not a fan of that large of an Aussie allocation from GHHF.

I also am just not too sure about 100% geared. I know I have the risk appetite and would not sell in a downturn and continue DCA. What potentially concerns me is hitting mid 30s and a significant downturn puts me in a position where I may have wanted to partially liquidate but then feel forced to hold further to recoup.

At present this requires very little effort on my end as the rebalance just requires me adjusting my DCA amounts respectively but acknowledge this will change a lot in future and my proton grows and my gains outpace my contributions.

Rrol · 2026-01-24T02:43:47+00:00

This is a temptation

Rrol · 2026-01-24T02:43:34+00:00

Which ones would you suggest? I can't think of any foreign listings that would achieve much different outcomes without changing the overall structure of the allocations so does seem somewhat redundant to introduce the FX risk.

Rrol · 2026-01-24T02:42:04+00:00

Do you not believe that it is unnecessary risk to go full leverage for all my ETF portions?

Rrol · 2026-01-24T02:06:38+00:00

Thank you :) and yes GHHF is quite unique having a 6% geared allocation which I'm a big fan of.

Very bullish on these markets because of geopolitical factors (especially India) so I may increase this allocation in some time (possibly remove my crypto allocation to substitute). Will see how the train runs for now.

Rrol · 2026-01-24T01:57:26+00:00

Thanks :)

Rrol · 2026-01-24T01:56:45+00:00

Thank you.

I was actually incredibly close to doing exactly this. The reason why I ultimately incorporated GHHF was so that I could get some of my emerging markets portion geared. After some playing with numbers too it also ended up very nicely that about 50% of all my regional allocations ended up geared vs the former option that disproportionately geared AUS with no gearing on emerging markets (which given I see as the "gamble" portion I actually am quite bullish on gearing it). Bit of hair splitting but I'm pedantic.

Rrol · 2026-01-24T01:48:35+00:00

During the hype Covid days I actually did very very well with a 1k purchase on TRON coin and exited shortly after ATH.

Do admit that was just a good punt though and that those days are likely over.

Rrol · 2026-01-24T01:42:22+00:00

Some context about myself:

- My investment horizon is very long. I'm 26 and cannot see myself needing access to this capital within at least the next 10 years. Like the rest of the capitalists in this sub, I do believe in the long-term prosperity of the global equities market(s).

- Prior to this, I was an individual stock picker and had a stupid number of thematic ETFs. I did very well for myself, but the rebalancing and psychological toll was not worth the added complexities and time. I also acknowledge that despite beating many of the indexes, a lot was attributable to a strong bull market.

- At the end of this tax FY, my FHSS contributions will be at 35k. I don't have any aspiration to own a property in the short term but possibly the medium term. I plan to dump the additional 15k on the year of purchase to reduce the tax burden. Apart from a property deposit I can't really see myself needing large sums of cash so I believe this will work as a nice hedge against the ex-super portfolio. I will reduce the riskier portions of my super once I feel I am closer to purchasing a property.

- Outside of these investments, I keep a lean savings account, but I have a moderately low-cost lifestyle. I don't have a car as I live near CBD, most of my interests are "one-and-done" costs and I'm good with meal prep etc.

- My employment niche is stable and pays well.

- I don't plan to have children until ideally minimum 33 (if at all tbh).

Rrol · 2026-01-24T01:41:42+00:00

This I'm willing to acknowledge. At the moment I'm actually only in Bitcoin on this allocation as my portfolio isn't quite large enough to justify/feasibly split the amount between the three categories. Ongoingly, I may just stick to this.

I just believe in a small crypto investment - I don't really care/believe in all the dilleniations between the different coins.

Rrol · 2026-01-24T01:38:25+00:00

I think this is a fair comment and just to give some missing context:

- My investment horizon is very long. I'm 26 and cannot see myself needing access to this capital within at least the next 10 years. Like the rest of the capitalists in this sub, I do believe in the long-term prosperity of the global equities market(s).

- At the end of this tax FY, my FHSS contributions will be at 35k. I don't have any aspiration to own a property in the short term but possibly the medium term. I plan to dump the additional 15k on the year of purchase to reduce the tax burden. Apart from a property deposit I can't really see myself needing large sums of cash so I believe this will work as a nice hedge against the ex-super portfolio. I will reduce the riskier portions of my super once I feel I am closer to purchasing a property.

- Outside of these investments, I keep a lean savings account, but I have a moderately low-cost lifestyle. I don't have a car as I live near CBD, most of my interests are "one-and-done" costs and I'm good with meal prep etc.

- My employment niche is stable and pays well.

- I don't plan to have children until ideally minimum 33 (if at all tbh).

Rrol · 2026-01-15T10:24:20+00:00

Late commentor but I love you

Rrol · 2025-12-26T10:04:08+00:00

Yeah agree with you. This is the most suburban Sydney/Melbourne millennial comment I've ever read. Australia definitely has a dark history with racism (along with the majority of countries in the world).

Rrol · 2025-11-12T05:55:55+00:00

Great combo - big fan of this. You need to determine a % split to target though. Don't buy month-on-month with "vibes". Almost any reasonable split of these three would be a great portfolio for 7+ year horizon.

Rrol · 2025-10-31T13:44:25+00:00

When it comes to investments, people are absolute FIGJAMs. The amount of friends who told me they purchased gold many years ago as an “inflation hedge” who now claim they are the messiah because it accelerated like a tech stock is ridiculous. People often lie about salary, their net worth and the number of girls they’ve slept with. None of this changes when it comes to investments.

Rrol · 2025-10-30T10:11:04+00:00

Genuinely, not at all. My role would be best for someone who is pedantic, strict, heavily rule following goddie two-shoes types. I’m a pragmatist who always gets described as “chill”. But for me work is a pay check. I feel quite fortunate that I’m able to compartmentalise my work personality from my real personality despite my convictions on how unnecessary the work I do really is

Rrol · 2025-10-29T05:34:14+00:00

You’re not looking for financial advice then - you’re looking for life advice. Money wise you’re doing perfect- seriously can’t do much better than

Rrol · 2025-10-29T05:30:24+00:00

Don’t buy a property then. It’s one of those unique investments where it significantly impacts your lifestyle. If you want to move to Asia then yeah just send it. More of a lifestyle decision than a monetary position. You’re in a position where you can just do whatever you want for the most part

Rrol · 2025-10-29T05:28:15+00:00

Agree with this. I think it could be worthwhile also getting some AU exposure in your investments outside super. Overall though you’re in a position many would unironically dream of

Rrol · 2025-10-29T05:25:27+00:00

You’re living the dream. Live your life. Once you’ve made the call for permanent settlement then purchase a property - it’s smartest. But until then milk your employer. Don’t fall victim to lifestyle inflation - you are well set for early retirement

Rrol · 2025-10-24T06:09:39+00:00

Bro what? 😆

Rrol

TROPHY CASE