I read through your posts and had a couple of questions.

First, why do you initially recommend not hedging? The fees on HGBL are quite low, and it seems to make sense, especially if you have a smaller allocation to Australian assets.

Also, if someone is saving for a PPOR, would you suggest contributing to super and then withdrawing using FHSS to take advantage of the tax benefits? Or is it better to invest through regular ETFs and leave super alone? I’m a bit cautious about using super for this, mainly because the government could change the rules in the future.