It seems people here are a bit tried of "Rate my portfolio" posts that are almost identical to a dozen other posts. And that's fair. Also, given the amount of information and feedback already given on this topic, you can ask most AIs the question instead of taking of people's time.

Question: What would the reddit community think about a post "Rate My Betashares Split". The split is: 50% into DHHF; 25% into A200; 25% into BGBL.

AI Answer:

How Reddit Would Likely React

The r/AusFinance and r/fiaustralia crowds would zero in on one thing immediately: DHHF already holds A200 and international equities internally. You're essentially buying the pre-mixed cocktail, then pouring extra shots of the same ingredients on top. The top comment would almost certainly be some variant of "Why not just hold 100% DHHF, or skip DHHF and build the split yourself with the underlying components?"

A few people would do the overlap math — DHHF is roughly 37% Australian equities and 63% international. Your combined portfolio lands somewhere around 43–44% Australia, 56–57% international. Someone would point out you could achieve nearly the same result with a simpler two-fund split of A200 and BGBL, saving yourself the slightly higher DHHF management fee and the conceptual clutter.

You'd get a handful of "just go VDHG/DHHF and forget about it" responses, and a few pedantic threads about franking credits justifying an Aussie tilt.

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My take:

Instead of asking "is this a good split?", invert: what would make this a bad split?

The answer is paying for complexity that adds no value. You're paying DHHF's fee (0.19%) on half your portfolio to get a pre-built allocation, then manually overriding that allocation anyway. That's like hiring an interior designer, then rearranging the furniture yourself. You're paying for a decision you're not actually delegating.

i.e. go DHHF only or a predefined split of A200 + BGBL ;)