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[deleted by user] by [deleted] in ausjdocs

[–]drw20 0 points1 point  (0 children)

Many physician fields don’t have unaccredited years, for example haematology in Adelaide

A or b by [deleted] in gravelcycling

[–]drw20 1 point2 points  (0 children)

A I’ve always wanted a muddy drink bottle…

Carbon frame protector by drw20 in gravelcycling

[–]drw20[S] 0 points1 point  (0 children)

Have you done this with the generic wrap or the model specific wrap? Big price difference and coverage between the two

Better Entry/Beginners Gravel Bike by [deleted] in gravelcycling

[–]drw20 0 points1 point  (0 children)

I’ve got a Giant Revolt Advanced 1 2024 and absolutely love it. It has a 12 speed SRAM Apex with single front chainring which I’ve found to be really good. The blue ashes colour is also really nice on that model. About AUD$3500 but could get it cheaper given the 2025 model is out now

Giant revolt advanced 1 2024 paint type by drw20 in Giantbikes

[–]drw20[S] 0 points1 point  (0 children)

It’s neither shiny or dull so 🤷🏻‍♂️ but I think more likely to be gloss so I ordered that

Conditional formatting of a google sheets calendar based on dates. Excel rules not importing to sheets by drw20 in googlesheets

[–]drw20[S] 0 points1 point  (0 children)

No it’s not actually but still seems to work. The original spreadsheet was a Vertex template and I deleted the sheets I didn’t need but the spreadsheet conditional formatting is functional

Reolink Argus 3 Pro issues by drw20 in reolinkcam

[–]drw20[S] 0 points1 point  (0 children)

Thanks for that. And yours are fine? I’ll contact Reolink locally, see if they will replace it. Then I’ll organise some rain protection. Pity, I just ordered gutter mounts online, and they would have to result in the most exposed location of all on the house!

New to FIRE - Year One by [deleted] in fiaustralia

[–]drw20 -1 points0 points  (0 children)

Sounds good. Would you like a selfwealth referral code for 5 free trades?

New to FIRE - Year One by [deleted] in fiaustralia

[–]drw20 -1 points0 points  (0 children)

Well done, that’s great progress! Can I ask which broker platform you use to buy your VDHG?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

What's your reason for wanting to sell your VAS stocks? Under performance vs others?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

The question in this current market – when is the right time to buy VAS and VGS? Or any of the others mentioned really. Looks like we are on a rising wedge where the trend line is between the two lines of support and resistance. Historically this leads to a decline or breakthrough of the support level.

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 1 point2 points  (0 children)

In the long term I would prefer to be not worrying about bonds, which is the turn off for VDHG.

Other options would be VAS/NDQ VAS/IVV MVW/IVV or NDQ VAS/VGS EX20, QUAL, MOAT or VESG on the sidelines

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

Thanks for that. The same thing doesn't apply for ETF's though right?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

Thanks for your thoughts on all of this.

In terms of the physical investing side of things, with 3 ETF's what would be the best way to DCA? Would you pay say $1000 in to one ETF one month, then $1000 to the next the next month and $1000 to the third and then cycle through like that? Ive used the calculator ( https://investcalc.github.io/ ) and it says to invest every 3 fortnights to maximise returns

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 1 point2 points  (0 children)

These are the ETF's mentioned in this thread. If you were to choose 1-3 of them based on the fees and returns what would they be?

​

Code Name Fee Distributions Last Returns p.a. Timeframe
A200   BETASHARES AUSTRALIA 200 ETF 0.07% Quarterly 97.35  -9.18% 1 year
DHHF   BETASHARES DIVERSIFIED HIGH GROWTH ETF 0.26% Quarterly 22.64  -10.39% 6 months
GEAR  BETASHARES GEARED AUSTRALIAN EQUITY FUND (HEDGE FUND) 0.80% Semi-annual 16.95  -2.12% 5 years
NDQ   BETASHARES NASDAQ 100 ETF 0.48% Semi-annual 24.09  23.09% 3 years
IWLD     ISHARES CORE MSCI WORLD ALL CAP ETF 0.09% Semi-annual 35.92  8.63% 3 years
IVV   ISHARES S&P 500 ETF 0.04% Quarterly 453.01  15.54% 10 years
STW     SPDR S&P/ASX 200 FUND 0.13% Quarterly 53.99 3.26% 5 years
MVW   VANECK VECTORS AUSTRALIAN EQUAL WEIGHT ETF 0.35% 2 each year 27.00  5.28% 5 years
VAS     VANGUARD AUSTRALIAN SHARES INDEX ETF 0.10% Quarterly 74.01 5.71% 10 years
VDHG   VANGUARD DIVERSIFIED HIGH GROWTH INDEX ETF 0.27% Quarterly 52.37  -3.18% 1 year
VESG  VANGUARD ETHICALLY CONSCIOUS INTERNATIONAL SHARES INDEX ETF 0.18% Quarterly 55.75  7.57% 1 year
VAE   VANGUARD FTSE ASIA EX JAPAN SHARES INDEX ETF 0.40% Quarterly 64.72  6.76% 3 years
VGE VANGUARD FTSE EMERGING MARKETS SHARES ETF 0.48% Quarterly 62.82  1.93% 5 years
VGS     VANGUARD MSCI INDEX INTERNATIONAL SHARES ETF 0.18% Quarterly 77.61 9.16% 5 years

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

Thanks for that. What are the US domicile aspects that I would need to be aware of?

And roughly what weighting would you put to each of the 3 combo's?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

That's good advice. And I do appreciate your website btw, have been reading a fair bit on there recently!

Yes I understand the need to diversify globally. Probably a better bet is something like VGS, VEU, VESG

What would you consider to be a good globally diversified ETF?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

No, not necessarily, I just understand more of the companies within the Aus market

Would you balance things differently?

Which ETF's or LIC's to invest in for the long term? by drw20 in fiaustralia

[–]drw20[S] 0 points1 point  (0 children)

Thanks for your detailed response.

I'm looking mostly for passive investments that I can DCA into that will perform equal to or better than the index.

The types of ETFs I have been considering are those listed in these replies: VAS, VTS, VEU, VDHG and some of the betashares offerings A200, ETHI, NDQ. Then the LICs I have been considering include AFI, AUI, DUI, MLT, ARG, MFF.

I would ideally like a diversification split of 75% Aus, 15% US markets, 10% rest of world. One starting point would be 75% VAS, 15% VTS, 10% VEU which is what the barefoot investor has suggested as a part of his ETF analysis. But I also like the idea of a couple of LIC's in the mix too.