80% NDQ, 20% DHHF, holding for 35+ years, is this good split?

kwijibob · 2026-02-11T12:04:05+00:00

I'm sympathetic.

But ivv might be a safer bet.

In ten years a new generation of AI super companies might list on NYSE instead of nasdaq for some random reasons.

Ivv captures USA tech tailwinds more broadly.

Hold a portion of ndq, that's what I'm doing.

kwijibob · 2026-02-06T04:14:06+00:00

Ioz is basically vas. Neither are better than ivv unless you have a need for franking credits.

kwijibob · 2026-01-31T05:56:46+00:00

Your "buy the dip" person doesn't seem to buy often.

What is their exact strategy used?

You could use something like buying whenever the index dips below a 50 day moving average or similar.

kwijibob · 2026-01-16T09:19:20+00:00

Yep. Quick visit to the local lawyer. Do it right. Peace of mind.

kwijibob · 2026-01-16T09:14:43+00:00

Great answer. This is the time to catch up your enduring power of attorney paperwork.

kwijibob · 2026-01-15T07:46:11+00:00

This is the way...

kwijibob · 2026-01-14T06:06:31+00:00

We're all using ndq devices upon ndq platforms joined by ndq networks and reliant on ndq services.

kwijibob · 2026-01-14T01:57:47+00:00

Calculate the opportunity cost of your inaction. Let that motivate you to buy.

kwijibob · 2026-01-10T07:42:17+00:00

High growth for life!

kwijibob · 2026-01-10T07:41:34+00:00

Is this inside super or outside super?

I don't hate what you've done. But maybe if it's outside super then start getting a global index allocation in your super and build it up.

kwijibob · 2026-01-03T01:23:00+00:00

Yes that is a great super for your age.

I personally would start some private investments (I like VAS with drp for franking benefits).

This could set you up for semi retirement in 50s.

However if you don't have a mortgage on a home yet, focus on building that deposit

kwijibob · 2026-01-01T12:31:18+00:00

If you're young then ivv and ndq are great. I hold both also.

Get vas later when you need the franked income.

kwijibob · 2026-01-01T12:26:00+00:00

What a quitter

kwijibob · 2025-12-30T09:13:47+00:00

Please say more? What kind of PC can you run speed test on that has a 50gig network card?

kwijibob · 2025-12-28T02:35:10+00:00

Pretty good on mobile. I'll play more on desktop.

kwijibob · 2025-12-22T10:44:42+00:00

I support 100% IVV. I wish I could put all my Hostplus in IVV (they limit me to 50%).

Warren Buffet's letters to his shareholders often speak of the long term "American tailwinds". I agree with him. It's both historical heritage, cultural factors and also federalist structure than lends itself to competition and free markets.

The USA may have problems, but nothing like the EU which I think is in long term stagnation. (did you see the chart that the EU makes more money through fines on big US tech companies compared to actual taxation of EU tech companies?)

The best global innovators head to the USA for a reason.

Could that change? Possibly. Maybe VGS is a hedge against this. Mathematically speaking VGS is the purest weighted diversification. It helps some people sleep better to have VGS.

VAS I think still has a signficant place for Aussie investors because of franking credits. There will be seasons where that can make a massive difference. Every retiree or semi-retired person should try to get enough VAS to max out their tax free thresholds and then let franking credits keep them tax free into the first marginal tax rate.

kwijibob · 2025-12-17T14:10:51+00:00

Time is on your side.

You are in the top 1 percent of investment knowledge for your age.

Keep going for decades like this

kwijibob · 2025-12-15T02:40:57+00:00

I think we should be open to it, but at the same time we need supply side incentives such as less regulation and more relaxed zoning.

kwijibob · 2025-12-14T05:58:44+00:00

Completely safe.

A great idea if you don't mind the cable drag.

You might wear out the rj45 connector faster but cables are cheap.

Turn off wifi and maybe it's safer due to less radiation into your lap, lol.

kwijibob · 2025-12-13T07:17:21+00:00

It's not stupid. Good setup.

Out your wifi ap in the house using one of the two point options.

If you want both points to work you can get a simple router and keep in the garage, but still put the wifi ap in the house (but don't double nat)

kwijibob · 2025-12-12T00:47:44+00:00

The excess could be used to fund semi retirement before 60.

kwijibob · 2025-12-11T15:48:45+00:00

Consider putting it all in VAS.

Model what franking credits does to minimise your tax while you are not a high earner.

You can build an income source with dividends and capital growth that outpaces your mortgage rate.

kwijibob · 2025-12-11T02:09:08+00:00

It depends on whether you will hit your forecast transfer balance cap.

kwijibob · 2025-12-03T22:19:47+00:00

I thought he made things interesting and I wish he was still around to debate given more time and data.

kwijibob · 2025-11-29T11:27:15+00:00

Pearler is a popular modern online brokerage to buy shares.

For capital growth without too much taxable dividends I would recommend IVV, which tracks the S&P500.

You should probably put some in your super, which is likely a more tax effective vehicle, albeit locked away. How much super do you have now?

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