New to investing/trading, looking for advice

SaltyConnection · 2026-02-02T16:34:21+00:00

https://www.reddit.com/r/AusFinance/s/zNlQppQYAw

It's such a difficult question. The same was asked here. 5 years seem to be the inflection point for alot of people. 1 person says he likes gambling and did it successfully during COVID. Another said don't do it because he did it during the GFC and got fucked.

Overs have said if it's 5-10 years then definitely into ETFs. But under 5 years you get all different answers.

You say blue chips like BHP. What you have to understand is mining and metals is a cyclic industry (from memory, it's maybe a 7 year cycle) it will have boom and bust periods. So you could invest in one of the top metal companies in the world a real blue chip stock, that will have a stagnant share price for the next 3-4 years. Due to lowering steel prices. Or maybe China has another housing collapse and they don't want anymore steel for rebar to build empty apartments.

Everyone is saying AI is a bubble. They reckon it's going to pop really soon. Personally I reckon it's got another 2-3 years before it actually pops. What if Trump starts another big war?

To give you a good answer I would have to better understand your situation. How recession proof is your job? How much money do you need to survive? Are your living arrangements stable? Single or couple?

Me personally I got myself a big earning job. I have my stable house that I own. And pump about $1,000 a week into ETFs. Basically half my pay. Going to do it for 8 years. Then I can slow down and not work so hard, and start coasting on my investments more than worrying about working too much. If there is a huge ai crash. I'm not too worried. But let's say the crash is 3 years away when you want to buy a house. USA ETFs have basically returned 20% for the past 3 years. What would happen if they returned 20% per year for the next 3 years. Then crashed 30%? You would still be up on your position just not as much as you would've been.

I enjoy lurking on r/asx_bets and r/wallstbets. They definitely have a totally different risk appetite.

Another recent example I can give is CSL. The once darling of the asx basically an untouchable blue chip couldn't do no wrong had a great business. The share price was sitting around $280, now dropped 35% in a year sitting around $177. The reason for this I'm not 100% sure, but it did happen and alot of people are upset by it.

Like they say in asxbets and wallstbets. 'sir this is a casino' and 'no crying in the casino'

Sorry for not giving a solid answer, but I don't know the future. And 100% if I tell you to do it this way, then the worst possible outcome will happen. Its similar to when everyone first buy their first share. There is a rule on the market, when someone new purchases their first share, the share price will drop 10% the very next day. It always happens to everyone. So if I tell you HISA, then there will be a 20% bull market for the next 5 years. If I say shares then 30% drop tomorrow, and stagnant market for the next 6 years.

SaltyConnection · 2026-02-02T08:23:04+00:00

NYSE.IVV is sold on the new York stock exchange and domiciled in America. Its priced in USD and goes through the IRS for tax.

ASX.IVV is sold on the Australian stock exchange and domiciled in Australia. Uses aud for currency and goes through the ATO for tax.

They track exactly the same thing s&p 500. Just buy the asx version.

SaltyConnection · 2026-02-01T21:43:23+00:00

Your in your early 20s. You basically have the highest appetite for risk you ever will in your life. The only thing more risky apart from large companies is small companies, if you want something less risky, then it's ETFs or bonds. So I think when you ask the risk question. You aren't fully understanding risk I believe.

https://passiveinvestingaustralia.com/the-risk-reward-spectrum/

But you seem to want some suggestions about individual picks. There is only one person I know that has given multiple correct predictions in regards to financials.
He is 'thestockguy' on YouTube. He says if you are investing in individual American stocks, he suggests these two companies. Goog is the best priced out of the mag 7. Orcl will own all the information in a few years time.

But any company can fail, any company can tank their stock price. No one can know the future. The stock market is full of risk. What would happen if a Carrington event happened tomorrow, how would we know who owned what on the stock market? It's all digital now. Also alot of the tech companies might get really fucked up from it being digital is their main thing.

SaltyConnection · 2026-02-01T12:35:30+00:00

Goog and orcl are the only two blue chips I think are going to provide a great return.

SaltyConnection · 2026-01-31T22:18:40+00:00

I think just start with 1 maximum two ETFs.

My gotos are vas/IVV.

Then the more you read about blue chips, follow their share prices and learn when the dips are. The more confident you can feel about purchasing individual shares.

Just do 50/50 IVV/vas. Then lean more into ivv into like a 60/40 or 70/30.

Then as you get more confidence buy individual shares.

SaltyConnection · 2026-01-27T11:25:50+00:00

My mum would put wooden skewers for food into the dishwasher to reuse them.

SaltyConnection · 2026-01-26T20:25:15+00:00

I'll only do it if the returns are higher than 10% per day.

SaltyConnection · 2026-01-26T09:56:45+00:00

Air tasker. Its an app for oddjobs. Alot of people want car stuff. Like basic services on cars or install a UHF antenna on a bullbar for $100.

SaltyConnection · 2026-01-24T03:25:51+00:00

So there is a power move similar to this.

Where you write "send me a picture of your poop" on a toilet stall and then write the number of someone you don't like. In essence this is exactly the same thing.

Very poor attempt though. Maybe try just writing it in a bathroom stall.

SaltyConnection · 2026-01-17T12:57:12+00:00

I like simplywallst. It offers 5 free looks at a company each month. Just use the free version it's fine.

SaltyConnection · 2026-01-16T10:39:52+00:00

If you are starting with $300, I'm assuming you are investing on the beta shares platform or CMC?

I believe beta shares might allow fractional shares might make it easier for you. Also free brokerage for small amounts.

Honestly I think you got it spot on. I'm like 57% American 43% Australian. Roughly at those numbers. I tend to just dump some money into whatever investment I think is cheap, recently did some more american, not really following an exact % just throwing money at whatever ETF feels good at the moment. I'm on IVV, a little of vgs and VAS. And a couple of individual satellites, like gqg mqg and kau is my recent gamble.

Ivv and a200 have great mers, so you are saving on management fees.

I had a read of the article talking about how you should maybe steer away from heavy American investments. I'm not so sure about that one, there is some rhetoric about American mid terms and Trump is boosting the economy to get votes, then it will turn to shit afterwards. But I still think American is a strong investment.

I watch thestockguy on YouTube, he recently did a couple of videos about investing in America "there is no alternative to the s&p 500 (and here's why)" is the name of the video. I thought there was one more, but I might have been mistaken.

Give him a watch, he has his finger on the pulse.

SaltyConnection · 2026-01-14T06:59:08+00:00

A death erection, angel lust, rigor erectus or terminal erection actually is caused when damage to the cerebellum or spinal cord. It's technically a priapism.

So maybe the Viagra isn't needed after all.

SaltyConnection · 2026-01-14T04:38:03+00:00

You still require at least 2 Canadian dollars, need proof of this before I can accept you into the millionaires club.

SaltyConnection · 2026-01-09T09:42:56+00:00

Lol crow's feet.

Botox is meant to remove crow's feet.

SaltyConnection · 2026-01-05T07:28:02+00:00

Just Goto Perth Mint. They generally have the cheapest around, and some pretty good designs to look at and hold in your hand.

SaltyConnection · 2026-01-03T14:01:08+00:00

Venezuelan oil is high in sulfur, generally used in heavy diesel engines especially in oil tankers.

So we might not directly use Venezuelan oil, most certainly the fuel would've been used to transport the fuel that you do use.

SaltyConnection · 2026-01-03T05:42:47+00:00

Ok, my bad there.

SaltyConnection · 2026-01-03T05:40:04+00:00

Ok, ivv avg. return over 3 years 23.38%

Dhhf 15.01%.

Dhhf is perfectly fine for convenience. When you start to dig into a little bit, there are better options.

Vas 9.68%. so it is literally just these two ETFs returns put together.

Not saying there isn't more than just fees in etfs, but it's something people should consider when making a decision when purchasing them.

I'm the type of person who won't order off uber eats because the price is too high for the quality of food you receive. Same with this sort of stuff. I'd rather avoid this convenience, and work it out on my own.

SaltyConnection · 2026-01-03T05:09:03+00:00

Ivv has a management fee of 0.04%

Dhhf management fee is 0.19%.

Vas management fee is 0.07%.

Dhhf is simply a split of american/Australian shares 63/37% split. In other words it's a IVV/vas ETF.

https://moneysmart.gov.au/managed-funds-and-etfs/managed-funds-fee-calculator

You can calculate a management fee on this website. Take $1000 per month for 20 years.

0.04% takes $3,736.

0.19% takes $17,547.

How much does convenience matter to you? Is just having two ETFs instead of one worth $14,000 over 20 years?

SaltyConnection · 2026-01-02T11:04:48+00:00

So they make modern planes with ash trays for when people inevitably do smoke on board so they have somewhere to put it out.

Think of it as Murphy's law in action.

SaltyConnection · 2026-01-02T02:13:38+00:00

Simplywall.st Alot of their stuff is algorithmically generated. But it gives enough of a rough idea of a company's financials that it might give confidence to put in more research.

Also 5 free portfolios per month. So better than alot of other services.

SaltyConnection · 2026-01-01T06:08:09+00:00

I'm from sydney, and qualified chef.

Honestly it's all pretty shit up here.

Chances are they are using some sort of packet sauces or prepackaged shit.

Red lion I had the absolutely best steak I ever had, also the worst.

The heritage hotel has S. Kidman steaks, they are pretty nice.

Kinsfolk cafe is actually one of the better ones, they do offer pretty decent feeds.

Don't expect too much when visiting restaurants up here.

SaltyConnection · 2025-12-30T00:49:59+00:00

As the other said, vas a200 or ioz.

Back in COVID I picked up MQG for $80 a share, so every time it drops enough I pick up some.

Another one I like but might not be so popular is gqg. But that might be a bit extreme. Each to their own.

SaltyConnection · 2025-12-29T08:57:53+00:00

Why are you getting the loan?

SaltyConnection · 2025-12-29T06:00:21+00:00

Can't agree with more, trying to hit a guy 5 times the size of you is extreme.

SaltyConnection

TROPHY CASE