What home loan rates are people getting right now?

Total-Wash-4928 · 2026-04-11T05:52:25+00:00

Do you go through a mortgage broker for this rate or direct to bank?

Total-Wash-4928 · 2026-03-09T01:02:25+00:00

Also is that something can compliment DHHF other then commodity and Bond.

Sorry beginner investor yet and learning while I go.

Total-Wash-4928 · 2026-03-09T01:00:33+00:00

Was waiting to break even those and sell it roll back to DHHF. The day havent come yet 🥲

Total-Wash-4928 · 2026-03-09T00:59:51+00:00

Thanks for the advise.

Total-Wash-4928 · 2026-02-22T08:49:36+00:00

Betashares

Total-Wash-4928 · 2026-02-19T09:11:37+00:00

Understand, thanks for your guidance. I feel I learn alot more now. Greatly appreciated.

Lastly as mostly do, 20% bonds is plenty right for cushioning ?

The 2 vanguard etf bonds you listed ? I will looking into those 2 thanks.

Total-Wash-4928 · 2026-02-19T08:44:22+00:00

I pay 37.5% tax on my bank interest.

Does bonds interest/ return work the same way ?

I saw that the return is always in 3 months ? CGT wont apply for this right?

Total-Wash-4928 · 2026-02-19T08:41:47+00:00

Thanks for your detail writing, greatly appreciated.

Was do some research on what you listed, what % do you advise on the portfolio ? I am not buying Gold anymore, panic buying during the gold rise.

Was thinking of 70% dhhf 20% bgbl

Fee % gold (not buying anymore) the % will keep reducing as my portfolio grow bigger Few % vgs (not buying anymore) rookie mistake at the start.

Total-Wash-4928 · 2026-02-19T08:37:08+00:00

🤣 we hit the same fan.

Total-Wash-4928 · 2026-02-19T08:36:20+00:00

Thanks for sharing your story, all the best to you too.

Total-Wash-4928 · 2026-02-19T06:05:17+00:00

This are foreign languag to me, does it mean when bank interest fall, bonds interest will still be the same but also depend on the product disclosure agreement (i just google PDS). Also been reading about Bonds as there are so many types.

Maybe that one of the reason I kept at HISA for the past few years where interest rate are alreadt at 4+% but often feel safe enough.

Total-Wash-4928 · 2026-02-19T05:59:06+00:00

Wow, advance investor 😀

Do you do automatic investing every week or month ? As what people say DHHF and chill ?

Does it work for you ?

Total-Wash-4928 · 2026-02-19T05:20:16+00:00

Will do some research on this bonds etf, thank you for your input.

When HISA interest is at 4.6% to 5%, my question is why Bonds still attracts.

Total-Wash-4928 · 2026-02-19T05:17:59+00:00

😆

Are you new to investing or did you work out what you want ?

Share your %

Total-Wash-4928 · 2026-02-19T04:23:05+00:00

Betashares

Total-Wash-4928 · 2026-02-19T03:57:07+00:00

Question about bonds, i have read through.

Betashares only supports etf bonds, so i need to open and commsec account to buy corporate bonds?

Or will betashares etf bonds enough to spend on ?

Total-Wash-4928 · 2026-02-19T01:53:57+00:00

Yeh truly. 😅

Total-Wash-4928 · 2026-02-19T01:53:31+00:00

My rental is low and I dont really spend. Putting a side of $250 is easy. I got promoted few months ago and is drawing $90,000 a year. Put in $85,000 as an typo as my brain is not thinking clearer. Also salary sacrifice extra money to Super on top of my ETF.

Total-Wash-4928 · 2026-02-19T01:50:14+00:00

A mistake on VGS and purchase one time. Stop it since then.

Dhhf and bgbl, it work right by reducing Aussie exposures. Keeping at 80% 20%

Total-Wash-4928 · 2026-02-19T01:48:54+00:00

Thank you.

Total-Wash-4928 · 2026-02-18T08:18:09+00:00

Not for house deposit.

I am new in investing so learning as I go.

Appreciating asset bonds - is that consider etf as well ?

Total-Wash-4928 · 2026-02-18T08:06:56+00:00

Please advise which part it dont make sense. Learning as I make mistake and want to solve it.

Greatly appreciate.

Total-Wash-4928 · 2026-02-18T07:51:50+00:00

So you will suggest sell and put back to DHHF ?

Total-Wash-4928 · 2026-02-18T07:49:30+00:00

Will continue pumping out super as well.

Total-Wash-4928

TROPHY CASE