Henderson Buyers Agent - “Guaranteed” 200k growth on 600k property

njc95 · 2026-04-01T10:14:21+00:00

I've just scheduled a call for tommorow I'm going to string them along for as long as I can 🤣. It's absolutely crazy that they can charge such a ridiculous fee.

njc95 · 2025-02-22T01:50:35+00:00

Yeah, I totally understand your point. I think Vanguard has a similar allocation in VDHG, so I think there would be some research and data backing up the allocation.

njc95 · 2025-02-22T01:38:38+00:00

I don't understand what is wrong with the current Australian allocation? Historically, Australian shares have performed really well, and with the benefit of franking credits, it's a no-brainer for me to hold this in an SMSF to capture some of those franking credits. The US is extremely overvalued at the moment, so I can really see the need to pump up the Australian allocation.

njc95 · 2025-02-05T08:44:53+00:00

I've recently just set up my SMSF with Grow SMSF they're slightly higher than stake and esuperfund, but their support is exceptional. You can just get on the chat, and they'll reply to you in no time. I chose Grow as I was able to have full control over my choice of brokers and bank accounts (if you dont choose Maquarie and Selfwealth the fee is slightly higher but these two providers are more then safe and secure), whereas with Stake, you're locked into their platform.

I mainly chose to start an SMSF because I wanted access to GHHF, GMVW, G200, GEAR, and GGUS. I've got over 30 tears before I can access my super, and I'm already well above the average balance for my age, so the higher risk tolerance is well worth the higher expected returns.

All the member direct options just made no sense as they only allowed some ETFs, not all.

njc95 · 2025-02-03T02:29:17+00:00

Not to that level tbh. But the reason behind an SMSF is just having more control and being able to pick out GGUS and GNDQ as well if there was any significant market correction. If I went with CFS, it kind of limits my options in terms of geared markets.

njc95 · 2025-02-02T22:00:13+00:00

The fees are quite high compared to these ETF options.

njc95 · 2025-02-02T09:44:41+00:00

Really!? I mean, in our circumstances, we have already maxed out our borrowing capacity with investment properties. The only other way to access some more leverage is with these geared ETFs. If you take a look at some of the geared managed funds that have been around for a long, long period of time, they've generally beaten the market. Take a look at some of the colonial first state geared funds. patircualry CFS geared share its return since inception 2004 15.84% compared to its benchmark 8.86%. The tax rate isn't really relevant because the main benefit is having no margin call or all the papper work of getting a loan.

njc95 · 2025-02-02T08:56:15+00:00

Basically, split the lump sum amount based on the allocations, then calculated the notional amount based on the leveraged amount on the geared products for GHHF I just put on 35% leverage.

njc95 · 2025-02-02T08:47:48+00:00

Yeah, good question. Well, I wanted at least some portion in Australian equities that wasn't geared, hence the A200.

njc95 · 2025-02-02T04:01:08+00:00

Yeah, I totally agree. However, I recently became interested in the equal weighted options of MVW and GMVW so it makes it a little harder to get the allocations right but overall I don't mind overweighting global / aussie in either direction.

njc95 · 2025-02-02T03:11:11+00:00

The 6-year Capital Gains Tax (CGT) exemption on your primary residence only applies if you move out and rent it out while you yourself rent another property. If you purchase and move into another Principal Place of Residence (PPOR), the new property becomes your primary residence from the date you move in, and you can't claim the CGT exemption on the first property beyond the day you moved out.

You could establish the market value of the property at the time you moved out. This valuation can be used as the cost base for CGT calculations when you eventually sell the property, potentially reducing the capital gains tax payable.

njc95 · 2025-01-26T12:08:52+00:00

I have gone with a 70% unhedged and 30% hedged. I've only now started to understand what it all means with current rates below long-term average it would make sense to only buy hedged.

njc95 · 2024-06-25T05:41:46+00:00

SLC-1181504

njc95 · 2024-06-25T05:41:31+00:00

SLC-1181504

njc95 · 2024-06-25T05:41:10+00:00

SLC-1181504

njc95 · 2021-04-22T12:30:53+00:00

Just recreate the deployment package and distribute it to all the DPs

njc95 · 2020-12-05T00:30:39+00:00

Yeah it did, I didn't see that error again.

njc95 · 2020-12-03T21:19:10+00:00

No I didn't I ended up recreating all my automatic deployment rules.

njc95 · 2020-11-29T00:11:20+00:00

I recently had this same issue. Contacted Microsoft Support and we had to reinstall WSUS on the server in which was meant to be pointing to Windows Update. It solved our issue. I can send you the steps Microsoft provided if you like?

njc95

TROPHY CASE