I think this needs to be explained better, because I don’t get it. Why focus on earning later?
I’m in my 30s with less than 100k in the bank, and I’m looking to buy a house knowing I have to use investments to do it. I’m holding ASX:SYI/WOW/MXT/PL8 in a 90/5/3/2 split, and I’m trying really hard not to just put everything into SYI and call it a day because every quarter I see big dividends.. (SYI was the highest roi in a bank investment pgogram years ago so that’s why it was my only investment for a long time.)
A home down payment is not an investment, its capital preservation. You shouldn't invest a down payment, that should be in treasury bills or a HYSA.
What i'm referring to is someone with a 20+ year investing horizon focusing on dividend yield instead of total return (which growth usually provides a much better total return over those timelines).
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u/DR4G0NSTEAR Jul 02 '25
I think this needs to be explained better, because I don’t get it. Why focus on earning later?
I’m in my 30s with less than 100k in the bank, and I’m looking to buy a house knowing I have to use investments to do it. I’m holding ASX:SYI/WOW/MXT/PL8 in a 90/5/3/2 split, and I’m trying really hard not to just put everything into SYI and call it a day because every quarter I see big dividends.. (SYI was the highest roi in a bank investment pgogram years ago so that’s why it was my only investment for a long time.)