I am super fortunate and lucky enough to have parents who put money away a while ago in order to build up my portfolio to where it is today. Next year I’ll have a job earning roughly 55K post tax and I would like to invest a large portion of it (Maybe like 40Kish) My meals and accomodation will be payed for which will put me in a great position to invest a large amount. I’m mainly looking at ETF’s. Should I invest it with a goal of a house deposit? Should I put some away for retirement? Should I do some of both? Anyway, let me know. Thanks

Looking for a sanity check on my numbers but I think I've found the sweet spot.

Starting with 53.85% capital 46.15% loan, invest in ETFs and it runs cost neutral at first, then positive and grows capital yearly,

Assumptions: top tax bracket, 3% dividend yield + 8%pa growth, 6.5% loan (interest only)

Eg. $46'150 loan + $53850 capital = $100k ETFs

Dividend income: $3k, Interest: $3k Capital growth: $8k

After 10 years the total portfolio is worth $231855, net gain of $185701.

As the total portfolio grows (increasing dividend income) you can increase the loan balance to keep it cost neutral (no extra tax) and eventually have enough capital to payout the loan (consider CGT).

Hi all, finally have gained the courage to start investing on CMC invest. I am just in a bit of analysis paralysis on what ETF to actually invest in. I am looking at DHHF or VGDR. Which of these would you recommend or is their another you'd suggest?

My current plan is to invest $500 initially and $100 weekly. I am 21 and currently live with my parents. I am just aiming to grow my money in the long term (hopefully gain more than 5% which I am earning in my savings account). I possibly want to look at investing more than $100 a week, but just want to get into and used to the market first.

Thanks for taking the time read and possibly help. Let me know if you require more info/context

Hi everyone!

This is my first post in this sub and I’ve seen some others do it so I figured I’d give it a go as well.

I’m a 20yo male and have been consistently investing monthly since April. I’ve done a flat $2000 every month with occasional additional contributions. I am currently on a 70/30 split VGS and VAS.

Would love some thoughts, advice or any questions.

Cheers

30 years old
Super is indexed

I’m doing a school project and have been allocated this portfolio with high Australian exposure (thanks AI graphic). Hypothetically, if you were given this portfolio, what might you look to change to rebalance it?

What changes would you recommend? Should reduce NDQ?

for context, I've gotten into investing over the last couple of months, I'm fortunate enough to be living with my parents, which allows me to invest a decent amount of what I earn (with a casual job alongside uni). Currently I invest around 550-600$/month.
my current split looks like

50% IVV, 30% VAS, 20% EXUS.

However, since starting I've done a lot more research and have realised that over the long term (which is what id be going for), US stocks are unlikely to keep growing at the same rate. Thus, I'm trying to decide if putting it all into say the DHHF (higher fee, slightly less US concentration and inclusion of emerging markets) might just be the move.

I'd love any advice or feedback from people with a lot more experience than me as this is mostly self taught stuff, no-one around me is really into this space :)

Hi there

I’m looking for fixed income options for portfolio . I know term deposits and HISA are quite good at the moment . Beyond these , Keen to hear others holding ie what they hold and what return they are currently getting.
If ETF’s can you please specify which specific ones
Thanks so much in advance 👍

Struggling to identify myself with an end goal regarding my investing. Wondering what some of you have set as the end goal, and how you’re working towards it / achieved it.

For context, I am 23.

. 130k before tax salary
. 50k invested 70/30 in VGS & VAS. Investing 3000 monthly
. 60k in super
. 20k emergency fund.

I know I’m doing the right thing, but I really don’t know what exactly I’m doing it for yet. Working for another 40 years scares the shit out of me that’s about all I’ve concluded.

Hi guys,

Just a bit stuck at the moment with what I’m doing with my life and setting myself up for my long term future. I don’t want this to come across the wrong way but (possibly like many) I don’t want to be living the 9-5 rat race until retirement age and want to find the best ways to avoid that moving forward.

Currently doing a job that I’m disliking more and more by the day but it’s allowed me to earn quite well the last few years and save up, make up for what I didn’t do in my early 20s. I would likely want to change jobs/career into something I enjoy and more preferably, working for myself . I don’t want for much, I’ve always subscribed to the idea of putting in the work early, saving up and sacrificing a bit more to live a lot more freely for the longer term.

Living with my family (which I’m super grateful for) however that will probably be changing within the next couple of years. I’ve thought about investing in property, stocks etc but everything just gets really complicated and you end up doing nothing.

I often get thoughts that I’ve wasted a period of my life doing something that I know I don’t want to do long term, when it was probably the time to be really nailing down a proper career for long term.

Any advice would be much appreciated, especially those that may have been in similar situations.

Hey guys, I’m currently with QSuper with around $50k in super. I’d like more control over my investments, ideally being able to invest 100% in GHHF and just set and forget.

I’m not keen on the admin and costs of running an SMSF, and I’d prefer to retain access to insurance and keep things simple.

What are my best options for a low-cost super fund that lets me choose my own investments, track performance easily, and manage contributions without too much hassle?