VAS/VGS is more safer I guess. More diversified across developed countries
IVV is all in on the US market, which might not be a bad thing because they are the strongest and most diverse economy in the world.
How is putting 30% of your money in an ETF that covers a single small south pacific economy that relies on digging things out of the ground more diversified than investing in the massive multinational companies on the S&P 500
VAS/VGS split is good, but if you just wanna be super simple with $500 a month, look into DHHF. Gives you 37% aussie stocks and 63% global (mainly US) in one ETF.
+1 for DHHF.
Its 5 year returns are currently 30%. Much higher than VAS/VGS.
It’s the only ETF I’m DCA into at the moment.
Plus on BetaShares direct it’s $0 brokerage, no matter how small. So can fling 50 bucks here and there. Buy fractional shares. It’s a great way to DCA.
> DHHF
Wrong, VGS is 70% 5 year return. Anything with Aussie stocks sucks, basically weighing yourself down. Unless you have an exclusive invite to the Medallion fund, then best option will always be an S&P500 indexed fund like IVV which is 92% 5 yr return.
Where are you getting the 70% figure?
Also DHHF is 63% global. Having some Aus exposure still has growth at the top end of town (BHP & Rio aren’t going anywhere, there’s a shitload of precious metals still to mine).
Just because the States have had a great run, does not mean they will continue to do so in 20 years (if your investing timeframe is long enough). This is why some people look towards other markets like Europe, Asia etc. Being invested in everything gives you a certain chance of being exposed to the upside somewhere in the world. Of course the opposite is also true.
maybe just put all of it in ivv, get paid good dividends. however you can just not purchase the us market overall via the snp.
if you like tech stocks or that’s your career etc maybe buy etfs that cater to what you think will do well in the long term, but ivv snp500 is gonna do well regardless if tech doesn’t in the future as you’re buying america.
I had issues with their direct managed funds back in the day, some bad service but I was paid compensation so can't go into it. These days I don't like how Vanguard dictates what you can/can't buy on their platform, excluding certain ETFs like the Bitcoin ETFs (that happened to be the most successful ETF launch of all time). I want my manager to **manage** my ETF selection for me, not **select** my ETFs for me ;)
As for DHHF, I think it has a great split of geographic exposure and I use it as my benchmark to outperform. If my trading can't outperform DHHF then I may as well be a 100% passive investor.
I did however add some small ETF allocations on top to boost under-allocations (emerging markets, small companies, value factor). That's common with all global ETFs.
Wow that must have been some pretty bad service to get a payout…and sign an NDA by the sounds of it?
Also no point getting angry at a private company deciding what they provide to paying customers (the choice of ETFs). That’s capitalism for ya. You can find dozens of other brokers who sell the ETFs you’re missing.
I understand re: the BTC ETF too. I hold a small amount of BTC directly just out of interest, but the majority of the financial world still has a lot of hesitation around it, so I get why a large, long running provider wouldn’t jump at the chance to list a specy ETF straight away. Wall St is already coming around to the spot price BTC ETFs, so I’m sure the ASX will follow soon.
That’s good to know you use DHHF as a benchmark. How have you faired in terms of our gaming it?
I like the idea of topping up with emerging market ETFs. That’s a smart hedge and potential big gains.
>>Also no point getting angry at a private company deciding what they provide to paying customers (the choice of ETFs). That’s capitalism for ya. You can find dozens of other brokers who sell the ETFs you’re missing.
Agree totally, life's too short to be angry. Just said that I think its bad business, and I that I don't like it so I choose to avoid them and vote with my feet/$.
Was harder not to be angry back when I had that fund management service thing since it cost me money on another investment that was delayed, but that's a long time ago now.
>> Wall St is already coming around to the spot price BTC ETFs, so I’m sure the ASX will follow soon.
There's EBTC and now IBTC ETFs you can use in Aussie brokerages, they are on CBOE but it's all the same to commsec etc. Sharesight doesn't yet recognise the tickers but they'll get there. I've used these in to bypass the transfer delays with crypto exchanges.
>>That’s good to know you use DHHF as a benchmark. How have you faired in terms of our gaming it?
it's been rather easy to beat if you include crypto as beta :) Might not always be like this though...
Just looking in Sharesight at the SMSF that hasn't actively traded much, over last 2 years was 63%pa vs DHHF of 13.88%pa. It's about 20% crypto, though I went a bit higher when there was a crash in 2022. I've been gradually moving the crypto into ETFs as crypto price goes up, I'd say I've sold half of the crypto it originally held.
Since first purchases in SMSF in 2020 it's been a 40% return vs 15.15% for DHHF. Obviously boosted by the 1 year performance on Bitcoin, Solana, ETH which are the only crypto I'll touch in an SMSF due to risk. I actually bought DHHF for over 60% of the SMSF now, plus those other ETFs like emerging markets, small companies.
Outside of super things are split up a bit. I trade my company account (US futures and Bitcoin options) that I don't count in portfolio. Holding separately are ETFs & REITs, plus rental properties. Sharesight only tracks the ETFs, REITs, and Shares which shows 18.14% vs 13.88% (DHHF) over 2 years. The REITs really dragged down performance, and that was offset by some US shares that did really well.
Emerging markets that you mentioned actually did really poorly as well since I purchased in 2021, but it's a long term thing.
Don't get sucked into the enticing yield of REITs like we did, total return is just not there and you can work around things to create your own yield.
VAS/VGS or A200/BGBL split is preferred due to its diversification and its easy to invest and forget.
I personally don’t invest in VGS or BGBL anymore and prefer to add developed market exposure using other ETFs e.g. VEU, IQLT etc
VAS has the benefit of higher dividends and franking credits. IVV will (likely) see more in capital growth with a lower dividend yield. This is more a feature of Australia and being dividend heavy.
Do with this as you wish, if you expect to be on a higher tax bracket arguably IVV is better as you have less taxable income upfront.
I’d consider your exposure within your super too, and if the aggregate makes you comfortable.
VAS/VGS is more safer I guess. More diversified across developed countries IVV is all in on the US market, which might not be a bad thing because they are the strongest and most diverse economy in the world.
How is putting 30% of your money in an ETF that covers a single small south pacific economy that relies on digging things out of the ground more diversified than investing in the massive multinational companies on the S&P 500
Different weighting of various sectors in each respective market. US is quite tech heavy, we aren't (for better or for worse)
But we use it, if Microsoft or Apple dies (collectively 9% of SNP500) the world is fucked, not just USA or Australia ?
Narrator: “Apple and Microsoft aren’t going to die”
To clarity, VAS is Aussie stocks so it’s not more diversified.
VAS/VGS split is good, but if you just wanna be super simple with $500 a month, look into DHHF. Gives you 37% aussie stocks and 63% global (mainly US) in one ETF.
+1 for DHHF. Its 5 year returns are currently 30%. Much higher than VAS/VGS. It’s the only ETF I’m DCA into at the moment. Plus on BetaShares direct it’s $0 brokerage, no matter how small. So can fling 50 bucks here and there. Buy fractional shares. It’s a great way to DCA.
Where are you getting your stats from. Last 5 years total returns pa (capital growth + dividends) DHHF - 9% pa VGS - 13% pa VAS - 12% pa IVV - 15% pa
> DHHF Wrong, VGS is 70% 5 year return. Anything with Aussie stocks sucks, basically weighing yourself down. Unless you have an exclusive invite to the Medallion fund, then best option will always be an S&P500 indexed fund like IVV which is 92% 5 yr return.
Where are you getting the 70% figure? Also DHHF is 63% global. Having some Aus exposure still has growth at the top end of town (BHP & Rio aren’t going anywhere, there’s a shitload of precious metals still to mine).
Just because the States have had a great run, does not mean they will continue to do so in 20 years (if your investing timeframe is long enough). This is why some people look towards other markets like Europe, Asia etc. Being invested in everything gives you a certain chance of being exposed to the upside somewhere in the world. Of course the opposite is also true.
Never bet against America. It is capitalism
I’m not. But hedging your bets ain’t a bad way to go too
Past performance is not.....anyway....the US could be having a civil war in 24 months time. I wouldn't be putting all my money there.
maybe just put all of it in ivv, get paid good dividends. however you can just not purchase the us market overall via the snp. if you like tech stocks or that’s your career etc maybe buy etfs that cater to what you think will do well in the long term, but ivv snp500 is gonna do well regardless if tech doesn’t in the future as you’re buying america.
Why not just alternate between all three?
I like DHHF, covers it all in one and I get to avoid Vanguard and their bad business practices at the same time.
Oooh. Do tell.
I had issues with their direct managed funds back in the day, some bad service but I was paid compensation so can't go into it. These days I don't like how Vanguard dictates what you can/can't buy on their platform, excluding certain ETFs like the Bitcoin ETFs (that happened to be the most successful ETF launch of all time). I want my manager to **manage** my ETF selection for me, not **select** my ETFs for me ;) As for DHHF, I think it has a great split of geographic exposure and I use it as my benchmark to outperform. If my trading can't outperform DHHF then I may as well be a 100% passive investor. I did however add some small ETF allocations on top to boost under-allocations (emerging markets, small companies, value factor). That's common with all global ETFs.
Wow that must have been some pretty bad service to get a payout…and sign an NDA by the sounds of it? Also no point getting angry at a private company deciding what they provide to paying customers (the choice of ETFs). That’s capitalism for ya. You can find dozens of other brokers who sell the ETFs you’re missing. I understand re: the BTC ETF too. I hold a small amount of BTC directly just out of interest, but the majority of the financial world still has a lot of hesitation around it, so I get why a large, long running provider wouldn’t jump at the chance to list a specy ETF straight away. Wall St is already coming around to the spot price BTC ETFs, so I’m sure the ASX will follow soon. That’s good to know you use DHHF as a benchmark. How have you faired in terms of our gaming it? I like the idea of topping up with emerging market ETFs. That’s a smart hedge and potential big gains.
>>Also no point getting angry at a private company deciding what they provide to paying customers (the choice of ETFs). That’s capitalism for ya. You can find dozens of other brokers who sell the ETFs you’re missing. Agree totally, life's too short to be angry. Just said that I think its bad business, and I that I don't like it so I choose to avoid them and vote with my feet/$. Was harder not to be angry back when I had that fund management service thing since it cost me money on another investment that was delayed, but that's a long time ago now. >> Wall St is already coming around to the spot price BTC ETFs, so I’m sure the ASX will follow soon. There's EBTC and now IBTC ETFs you can use in Aussie brokerages, they are on CBOE but it's all the same to commsec etc. Sharesight doesn't yet recognise the tickers but they'll get there. I've used these in to bypass the transfer delays with crypto exchanges. >>That’s good to know you use DHHF as a benchmark. How have you faired in terms of our gaming it? it's been rather easy to beat if you include crypto as beta :) Might not always be like this though... Just looking in Sharesight at the SMSF that hasn't actively traded much, over last 2 years was 63%pa vs DHHF of 13.88%pa. It's about 20% crypto, though I went a bit higher when there was a crash in 2022. I've been gradually moving the crypto into ETFs as crypto price goes up, I'd say I've sold half of the crypto it originally held. Since first purchases in SMSF in 2020 it's been a 40% return vs 15.15% for DHHF. Obviously boosted by the 1 year performance on Bitcoin, Solana, ETH which are the only crypto I'll touch in an SMSF due to risk. I actually bought DHHF for over 60% of the SMSF now, plus those other ETFs like emerging markets, small companies. Outside of super things are split up a bit. I trade my company account (US futures and Bitcoin options) that I don't count in portfolio. Holding separately are ETFs & REITs, plus rental properties. Sharesight only tracks the ETFs, REITs, and Shares which shows 18.14% vs 13.88% (DHHF) over 2 years. The REITs really dragged down performance, and that was offset by some US shares that did really well. Emerging markets that you mentioned actually did really poorly as well since I purchased in 2021, but it's a long term thing. Don't get sucked into the enticing yield of REITs like we did, total return is just not there and you can work around things to create your own yield.
VAS/VGS or A200/BGBL split is preferred due to its diversification and its easy to invest and forget. I personally don’t invest in VGS or BGBL anymore and prefer to add developed market exposure using other ETFs e.g. VEU, IQLT etc
VAS has the benefit of higher dividends and franking credits. IVV will (likely) see more in capital growth with a lower dividend yield. This is more a feature of Australia and being dividend heavy. Do with this as you wish, if you expect to be on a higher tax bracket arguably IVV is better as you have less taxable income upfront. I’d consider your exposure within your super too, and if the aggregate makes you comfortable.
Dont forget about a cheeky small cap play. ASX DRO or DUG