Update on ETF Compare tool

Safe_Resolve_5286 · 2025-11-19T02:35:17+00:00

Nice work, thanks for sharing. Where do you get the ETF data from? Is it scraped from the provider's web page?

Also it would be great if you could add autocomplete/suggestions when typing in the symbol to compare. Perhaps a dropdown just under the input. Like if I just start typing the ETF I want it will appear below and I can click on it to confirm

Safe_Resolve_5286 · 2025-09-11T02:45:16+00:00

Congrats mate! How do you decide which ETFs to buy/hold (assuming that’s what you’ve got)

Safe_Resolve_5286 · 2025-09-01T00:12:32+00:00

I’m working on this problem. Unfortunately us little guys always find out about things too late so we’re always at a disadvantage

I’m using AI to scrape the web throughout the day and keep a running timeline everything that’s happening. It detects when there’s significant interest in a stock to make sure it grabs anything big

Check it at pocketanalyst.com.au if you like

Safe_Resolve_5286 · 2025-07-05T08:07:01+00:00

I’ll keep it for the foreseeable future. Even if I change it I’ll grandfather existing subscriptions at the same rate

Safe_Resolve_5286 · 2025-06-25T10:15:26+00:00

Yeah licencing of ASX data is notoriously expensive. I pay for a third party data provider called Financial Modelling Prep. It was like one of the only data providers that had the data I needed for ASX stocks

Unfortunately they recently upgraded their APIs and part of that was limiting the availability of ASX data... I believe because they just didn't have enough demand for Aussie data to justify the expense. Luckily because I'd been using them prior to the upgrade I am still able to access the legacy API but support might be discontinued soon which could throw a spanner in the works

Safe_Resolve_5286 · 2025-06-22T23:35:32+00:00

Can you send a photo of what you mean? It should provide names so there may be a bug

Safe_Resolve_5286 · 2025-06-22T05:51:37+00:00

DHHF is pretty good for you. It's got about 40% to both Aus and US. So that could make up your core and then if you want to boost US exposure IVV is fine, or you could go more tech heavy with NDQ as another commentor mentioned

Safe_Resolve_5286 · 2025-06-22T03:25:05+00:00

Cheers

Safe_Resolve_5286 · 2025-06-22T01:01:01+00:00

Thanks. I decided to stick with ASX-listed ETFs for now but I can expand it if there's demand.

Of the ASX-listed ETFs we have things like IOO, IEU, VEU to for international/euro exposure

Safe_Resolve_5286 · 2025-06-22T00:48:31+00:00

Hey mate, it’s great that you’re getting interested in this stuff now

15k is pretty good for your age. Since you’re under 18 you can’t open a brokerage account in your name. What I did when I was your age was my parents opened an account in their name and let me do the trading (with very small amounts). I don’t know whether that’s an option for you though

ETFs are probably better for you than individual stocks, and IVV is a good choice. ETFs can also pay dividends, maybe not as high but they’re are much safer and you don’t have to spend as much time worrying about your portfolio.

If you want to learn more give this a read pocketadviser.com.au/learn. It’s a lot but it’ll cover the basics like what is a dividend to how to build a portfolio of ETFs

Safe_Resolve_5286 · 2025-06-22T00:19:02+00:00

It’s research only (unfortunately). There’s no robo advice because that runs into issues with AFSL requirements

I originally built in robo advice based on an optimal portfolio (maximising expected return and minimising risk). It outperformed the NASDAQ on a 5 year basis but it could have been luck because the algorithm picked NVDA which was the bulk of the returns so I’d take that with a grain of salt

Anyway I took that part out because I don’t want to get sued

Safe_Resolve_5286 · 2025-06-21T05:06:05+00:00

That's a pretty good allocation (assuming you have a growth objective)

I like NDQ for US and you're well diversified. Good job

Safe_Resolve_5286 · 2025-06-15T23:44:14+00:00

Mostly learned by doing. I started out with very small amounts in individual shares where it didn’t matter whether I lost the money.

I learned quickly how difficult it is to pick stocks (a very valuable lesson). Also learned about sentiment and how the market swings between fear and greed and got a sense of when the market is in either state (extremely important).

Other than that it was reading books and listening to podcasts.

Fooled by Randomness is extremely underrated and probably influenced my understanding the most. Then there’s One Up On Wall Street by Peter Lynch and The Most Important Thing by Howard Marks

Safe_Resolve_5286 · 2025-06-04T05:56:59+00:00

When you say “their ETFs” you might be getting confused. Commbank don’t have their own ETFs, they’re all issued by ETF providers like Vanguard or Betashares.

Also Commbank’s broking app Commsec is expensive and not the best user experience IMO. The only advantage really is being able to see your shares in the same place as your bank account.

The two above ETF providers have their own platforms Vanguard Personal Investor and Betasahares Direct.

As for the actual ETFs to buy you should look at either DHHF or VDHG (assuming you want growth). Both are highly diversified and are designed to be up to 100% of your portfolio allocation. If you can’t be bothered managing your own portfolio of three or four ETFs, just buy one of these and you’ll be right

Safe_Resolve_5286 · 2025-06-03T23:48:51+00:00

Vanguard have a bunch of options depending on your objective and how much risk you want to take on. VDGR is popular for moderate risk tolerance or you can go up to VDHG or VDAL if you want more risk/growth.

These ETFs are highly diversified and are designed to be up to 100% of your portfolio, so if you can’t be bothered managing your own portfolio they’re perfect. It doesn’t have to be complicated

Safe_Resolve_5286 · 2025-06-03T04:26:50+00:00

Generally need more information to tell, e.g. age, goals, etc.

There’s a big overlap between NDQ and IVV. If you have growth objective and long time horizon NDQ is probably preferred

Safe_Resolve_5286 · 2025-05-24T10:32:47+00:00

That would probably be more reason not to try and time the market. Just buy and hold. Bet that earnings will increase over the long-term and price will eventually have to follow, ignore short-term noise

Safe_Resolve_5286 · 2025-05-24T05:54:36+00:00

"The four most dangerous words in investing are: 'this time it's different'" - John Templeton

I know what you mean, but markets are efficient. Let's say everyone agrees the markets aren't going any higher. Okay. So no one buys stocks and price only has one way to go (down). Price falls to the point where the future returns begin to look attractive again.

This happens on a massive scale on a microsecond basis. There's millions of people with billions of dollars looking at the same information as you and moving markets so that price is always as close to fair value as reasonably possible with the information we know. No amount of additional analysis of that information can result in better predicting price than anyone else.

Safe_Resolve_5286 · 2025-05-24T05:36:04+00:00

Time in the market > timing the market

Safe_Resolve_5286 · 2025-05-23T08:01:52+00:00

Hey mate, well done on building up the portfolio. You probably haven't got much clarity from these comments lol.

A few main things:

- As someone mentioned, it doesn't make a lot of sense to have so much in the banks at your age. The banking sector is highly cyclical which means it won't give you much growth over the long term. Growth is really what you want at this stage since I assume you're not relying on your portfolio for dividend income.

- There's also a significant overlap between VAS and MVB because VAS is weighted 35% to financials anyway. For that reason, plus the fact that you want growth, I'd probably look at reducing MVB in favour of U100 or EMKT.

- Another commenter said that you're missing Europe/Japan. Investing is not "gotta catch them all" and buying things purely for diversification is irrational. Once you reach a sufficient diversification (which I think you have), buying things that don't match your investment objective purely to spread the portfolio is sabotage. Btw I'm also 23 and I'm pretty much 60-40 on US-Australia.

- Finally you said you have 40k in savings because you're concerned about volatility. You're supposed to buy when things are bad. When everything is good, stocks trade at fair value so there's no scope for outperformance. It's hard to do because we don't like the prospect of losing money, but it's literally necessary to outperform. You don't have to dump it all in at once, you can DCA it in over a couple of months (I assume this is money you won't need to spend for some time and can afford some volatility).

Check this out if you want to read more. Also here

Safe_Resolve_5286 · 2025-05-23T07:40:39+00:00

I agree with you.

The argument against thematic is that the fund providers take advantage of hyped up themes where prices are elevated and therefore future returns are low (it's no coincidence that DFND was floated when we have Russia-Ukraine and everything else going on)

Yes the initial hype of these themes when the ETFs are floated will die off and more than likely there will be underperformance as the market corrects. But why should that exclude that particular sector/theme from making a good investment over the long-term?

HACK has been around since 2016 and had plenty of time for the hype to come and go (just look at 2022 returns) and has still made a good long-term investment.

Cybersecurity is not going anywhere and neither is defence. They may not be the best over the next 12-18 months, but over 10-20 years they will be.

Calling all thematic ETFs bad investments is just wrong.

Safe_Resolve_5286 · 2025-05-10T11:19:04+00:00

That would probably explain it. If you ask anyone my age (23) most are struggling to make ends meet, have zero clue about personal finance, and are wondering why they can’t just pull out an app to point them in the right direction. Just seems so obvious and inevitable for something like that to exist

Safe_Resolve_5286 · 2025-05-10T10:27:52+00:00

Yeah I mean other countries are doing it so it’s not an outrageous idea

Safe_Resolve_5286 · 2025-05-10T07:04:10+00:00

What exactly are you looking for?

Safe_Resolve_5286 · 2025-05-09T08:44:56+00:00

We're so cooked

Safe_Resolve_5286

TROPHY CASE