Our TOP lessons from 10 years of ETF investing in Australia

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  • เผยแพร่เมื่อ 20 พ.ย. 2024

ความคิดเห็น • 95

  • @marcoschena99
    @marcoschena99 7 หลายเดือนก่อน +72

    Thanks team. I am yet to purchase any EFT's, however I recently helped my son to purchase after listen to a recent show. 50% IVV and 50% NDQ. Both up 7% since December 2023. Nice one.

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน +1

      You shouldn’t really be focused on short term growth for ETFs. S and P 500 has been successful since 1957.

    • @bradmodd7856
      @bradmodd7856 หลายเดือนก่อน

      Don't buy EFTs, it is almost always a con, stick to ETFs

    • @Nikhar90
      @Nikhar90 หลายเดือนก่อน

      @@bradmodd7856 🤣

    • @solidbay
      @solidbay หลายเดือนก่อน +1

      ​@@bradmodd7856 IVV and NDQ are ETFs. Must have been a typo

  • @tiberus7
    @tiberus7 3 หลายเดือนก่อน +47

    My portfolio is all ETF's. 10 of them.

    • @ethelbertt
      @ethelbertt 21 วันที่ผ่านมา +12

      I live off of dividends on ETFs, for sure it can improve your wealth if you reinvest them to buy more shares, creating a snowball effect that allows your investments to compound over time. It's one of the most passive and effective ways to build an income stream. well managed steady growth for me.

    • @Msmelissa-u1w
      @Msmelissa-u1w 17 วันที่ผ่านมา +2

      Have you considered the possibility of cashing out some of those dividends for paying off your monthly expenses, instead of re-investing them? Bcos I need a lot as rent, inflation alone eat up almost all of what I make.

    • @ethelbertt
      @ethelbertt 17 วันที่ผ่านมา +6

      tbh I keep compounding, adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased 88% in the past year while participating behind a top performer. effectively remits over 100k annually and increasing.

    • @Paulreal-s2w
      @Paulreal-s2w 17 วันที่ผ่านมา +4

      @Msmelissa a lot of people let their dividends ride for the long-term given its solid returns effects overtime

    • @Msmelissa-u1w
      @Msmelissa-u1w 17 วันที่ผ่านมา +1

      Well you're sooo crushing it, I'm really looking forward to growth over time now. I will be reinvesting dividends like you, so my position size will grow. Okay if I ask how you maintained such growth from dividends, also your top performer.

  • @Ryno76
    @Ryno76 7 หลายเดือนก่อน +14

    IOZ was my first etf. I paid off my personal loan for my car and started investing those weekly payments.

    • @ObscuraQuest
      @ObscuraQuest 5 หลายเดือนก่อน

      How much did you invest in every month and for how long? If I may ask.

    • @jamesrosher3623
      @jamesrosher3623 17 วันที่ผ่านมา

      Can I still ask if ioz is a good etf compared to A200 Vas
      I have ivv goal is a 2 fund portfolio

  • @10ceylon2
    @10ceylon2 7 หลายเดือนก่อน +6

    Kia Ora,
    Hey, I started to listen to you guys last month and learned heaps of things about investing, ❤
    Thanks, guys educating more people

  • @mariajenkins6039
    @mariajenkins6039 2 หลายเดือนก่อน +10

    Since we started superannuation in Australia in 1992 I've been contributing extra money every fortnight on top of my employee contributions, I've never earned over 90 thousand dollars per year, always been a renter and love the freedom's that has come with that, especially financially, loved my many road trips around this beautiful country of ours and never been interested in travelling overseas, I've accumulated with compounding $2.1 million with only 1 super fund and never thought much about it, absolutely stress free, I'm 55 and I can tell you it's not rocket science, my advice would be start early as i did in my 20s add more when earning more and that's it, good luck 😊

    • @paully9999
      @paully9999 2 หลายเดือนก่อน +2

      My situation is almost similar. I started as an apprentice Fitter in 1989 on $7.5 per hour (super was 3% then ). I have always contributed extra to my super . I am 54years old and I have almost $1.9 Million in one super fund. How good is life in 6 years !! Wifey is almost the same as me. To anyone that wants advice, put extra into your super because compounding works !!!

    • @joebloggs24
      @joebloggs24 29 วันที่ผ่านมา

      It's great people come here to boast & show off. How about keep to the topic and comment based on the content in the video?

    • @paully9999
      @paully9999 29 วันที่ผ่านมา +1

      @@joebloggs24not boasting , not showing off. It is a story of hard work and being committed . To seeing a job through. It shows resilience to which young people have zippo !

    • @joebloggs24
      @joebloggs24 29 วันที่ผ่านมา

      @@paully9999
      - replies to take the opportunity to further boast and even degrade others. All the money in the world can make you rich, but still be an asshole

  • @911engineguy
    @911engineguy 7 หลายเดือนก่อน +5

    Something I'm yet to understand after owning ETFs for several years now, is why invest in an ETF that returns considerably less than another, purely for the sake of "diversification"? EG, over the last 5 years, STW has returned approx 10.6% pa, IVV 20.8%pa, NDQ 29.6%pa, so why would I invest in VGE (emerging markets) 3.64%pa, ASIA 9.8%pa, etc when they are so low? In fact, why not just own IVV and NDQ?? Even SOL only returns approx 11%pa (all over the last 5 years)

    • @lachyfurtado3362
      @lachyfurtado3362 7 หลายเดือนก่อน +6

      Investments should rarely be based off past performance (particularly short term performance - which 5 years is)...If you felt as though growth stocks such as Nvdia, Tesla etc are bound to keep going up then sure, chuck all your money into IVV and NDQ. But if you felt as though there may be a chance that China's economy may rebound or that Tech stocks aren't going to continuously go up, then you wouldn't want to have all your eggs in the tech/finance basket so to speak (or the USA/Developed markets baskets)

    • @audrussy
      @audrussy 7 หลายเดือนก่อน

      ​@@lachyfurtado3362 Well put by Lachy; these are long-term investments. Businesses don't all blow up instantaneously, not like coins do spontaneously. It takes a while for businesses to show results, hence their current and past valuations should be small factors when considering their future valuation-instead, look into the fine print.

    • @lengerer
      @lengerer 7 หลายเดือนก่อน +7

      You could have said the same 2 yrs ago but change ndq with lithium sector.
      Why not just invest in lithium, it's the future and has doubled in value..... 2 yrs later the sector has tanked. Lucky you diversified 😉

    • @bornufree
      @bornufree หลายเดือนก่อน

      You have a crystal ball😂

  • @sirdino6967
    @sirdino6967 3 หลายเดือนก่อน +4

    To keep in simple , I will buy VDHG its an all in 1 ETF , Aussie ,US ,and World , this will avoid overlapping .. whats your thoughts on this guys ?

    • @paully9999
      @paully9999 28 วันที่ผ่านมา

      What are the fees ?

  • @Voltuss5
    @Voltuss5 3 หลายเดือนก่อน

    The way you broke down the 30 year to millionaire was very profound.

  • @johnthompson420
    @johnthompson420 4 หลายเดือนก่อน +1

    Great video!! Around the 27 minute mark you go through a calculation. Why do you pick compounding annually instead of compounding monthly? I have never known which option is correct to pick.

    • @marionjoy9475
      @marionjoy9475 4 หลายเดือนก่อน

      yes, I'd be interested in knowing that, too

    • @joebloggs24
      @joebloggs24 29 วันที่ผ่านมา

      It really depends on the data surrounding how picking an option affects the percentages... so it is impossible to tell you which one is correct.

  • @mydailysilence
    @mydailysilence 20 วันที่ผ่านมา

    My first etf is VAS.

  • @raymonds2687
    @raymonds2687 6 หลายเดือนก่อน +2

    Thanks guys, great insights. One question, why invest in a bond ETF when its return over 5 years is negative. Would a slightly more aggressive ETF like VAP be a better way to avoid market volatility?

  • @Jhakgrl25
    @Jhakgrl25 7 หลายเดือนก่อน

    Great episode!

  • @davidhamtaro
    @davidhamtaro 6 หลายเดือนก่อน +1

    Thank you guys. Quick question, should one have multiple ETFs?

    • @Rask-invest
      @Rask-invest  6 หลายเดือนก่อน +1

      That’s a great question David and one we’d be happy to answer in a Q&A on the shows. The answer, I’m afraid, is ‘it depends’. It depends on what the investor is trying to achieve. That said, I can’t say I’ve seen an investor who has one ETF and is completely comfortable with it. Even if our investors hold a diversified ETF, they often report to us that they hold a few more.
      If you follow the link below, scroll down to the button that says “asset allocation”. From there you’ll see the ETFs we currently hold.
      invest.rask.com.au/invest-with-us/rask-terra

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน +1

      Most people have more than 1 ETF. It’s all about weighting.
      In USA a common ETF split is 50% VOO 30% QQQM and 20% SCHD
      Each etf serves a different function. VOO tracks Sanp500, and returns between 8-10% annually, qqqm is a tech etf so has higher growth potential and Schd is dividend etf to manage risk and earn passive income.

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน

      Most people have more than 1 ETF. It’s all about weighting.
      In USA a common ETF split is 50% VOO 30% QQQM and 20% SCHD
      Each etf serves a different function. VOO tracks Sanp500, and returns between 8-10% annually, qqqm is a tech etf so has higher growth potential and Schd is dividend etf to manage risk and earn passive income.

  • @payroll970
    @payroll970 6 หลายเดือนก่อน +1

    Is there a direct indexing ETF for only stocks that increase in value by 10% per year.

  • @s4lino
    @s4lino 7 หลายเดือนก่อน

    they can try to do paper or mock trading to start to (need more info) then use the, $100,200,300 method (your level of put money where faith is) and just buy ETFs that covers a broad spectrum of sectors/countries and monitor their ETF 'piggies' then add X funds as see fit so at least one isn't investing to a level that they cant sleep or are more interested in the numbers not falling than going to work and please their big B.

  • @28bucket2
    @28bucket2 7 หลายเดือนก่อน +3

    Diversification in ETF, near half your money is allocated to the top 10-20 stocks in most ETF,s and of those 10-20 stocks half are banks and miners , that's not to much diversification

  • @meredithjohns
    @meredithjohns 7 หลายเดือนก่อน +4

    1. NDQ, 2. IVV, 3. VGS in that order. started at the start of the year

    • @ximenhyper
      @ximenhyper 4 หลายเดือนก่อน

      What a coincidence! Exactly my portfolio, and also started early this year. Happy with the growth and the dividends I got. Didn’t know it is quite easy. 😊

    • @ace1-n2q
      @ace1-n2q 3 หลายเดือนก่อน

      @@ximenhyper can i ask how you do that do you open 3 different brokers

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน

      @@ace1-n2qyou don’t open up 3 different brokers. You choose 1 broker and you type in the codes such as IVV or NDQ and you can usually purchase them on that broker.

    • @jerrysnowland9398
      @jerrysnowland9398 22 วันที่ผ่านมา

      @@ace1-n2qone broker platform would allow you to buy all of these tickers

    • @jamesrosher3623
      @jamesrosher3623 17 วันที่ผ่านมา

      Not much Australian exposure mainly USA

  • @L8R2YA
    @L8R2YA 4 หลายเดือนก่อน +2

    I think most also think they need to knock there mortgage over first ? At least that’s what I been thinking

  • @jnixo9900
    @jnixo9900 หลายเดือนก่อน +1

    If Etfs are just diversified shares why not just put the money into your super which is doing exactly the same thing but you get better tax advantages?

    • @bornufree
      @bornufree หลายเดือนก่อน +1

      The government keeps changing the rules. The ideal strategy is both

  • @chunnudada
    @chunnudada 6 หลายเดือนก่อน

    I am new in Australia and I am 39. Which ETF is best to start with? I have seen readymade portfolio from Vanguard and then there is Beta shares platform as well and more platform as well. And, what kind of portfolio will give high returns? I can also start 10K and 500 / month then.
    Thank You
    Tarun

    • @iDrive123
      @iDrive123 6 หลายเดือนก่อน +3

      I’d go for S&P 500 (IVV) first up.

    • @skandhkapoor6472
      @skandhkapoor6472 5 หลายเดือนก่อน

      Or IOO

    • @jamesrosher3623
      @jamesrosher3623 17 วันที่ผ่านมา

      @@iDrive123I have ivv new investor started last week should I just focus ivv and ioz?

  • @lukedandrew2911
    @lukedandrew2911 6 หลายเดือนก่อน

    Does micro investing pay off like raiz ?

    • @sharndawg007
      @sharndawg007 4 หลายเดือนก่อน

      I have used Raiz to set aside money for my child, putting $10 per week away for over five years now. I have put some extra money in it from time-to-time and have $4,800 in Raiz now. The bad is that you pay a high monthly fee for such small amounts.

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน +1

      Raiz is waste of money.
      If you want to start with micro investing, Spaceship is cheaper because you can have unlimited amount of ETFs and stocks and only pay $3 per month (providing you invest in 1 Spaceship portfolio).
      If you invest smartly the gains outweigh the management fees.

    • @harderbetterfastable
      @harderbetterfastable 2 หลายเดือนก่อน

      ​@T0pMan15 I have been using Raiz for a year now. You are saying its better to swap to somewhere else? I find Raiz easy because money is coming out of your account withour doing anything.

    • @jerrysnowland9398
      @jerrysnowland9398 22 วันที่ผ่านมา

      It all depends on your situation. I personally felt the fees ate into your returns.

  • @michaelbaldwin4156
    @michaelbaldwin4156 4 หลายเดือนก่อน

    Hi team. So new to this. Such a nubie, I'm at the downside of my working life, Have just sold investment property now want to invest in shares. Help. Laughing is $420k enough...

  • @annaelmo9357
    @annaelmo9357 7 หลายเดือนก่อน

    Aren’t you doubling up on a lot of stocks with both NDQ and IVV??

    • @Rask-invest
      @Rask-invest  7 หลายเดือนก่อน +1

      Yep! There is significantly overlap between the Nasdaq 100 and S&P500 lists of companies. If an investor wanted more tech exposure, there would be more efficient ways of doing that than holding both NDQ and IVV. Cheers!
      Owen Rask

  • @Elliott_Wave
    @Elliott_Wave 4 หลายเดือนก่อน +3

    RISK: You Do Not own the underlying asset. So if Beta Shares sponsoring this program goes broke, then you Will Lose Everything as you actually own nothing. There is also a cost! So simply look at the shares they are buying and then buy the same. this way you save management fees and you skip any risk, as shite happens. I'm blown away these kids don tell you this.

    • @T4G95
      @T4G95 3 หลายเดือนก่อน

      So asx rules min buy of $500 per share. So if you are like 18 years old and only have $1000 to invest you can get 2 companies max. That is not very diversified and has you under a lot of risk. You could be investing in 50 companies with ETFs. Also every time you buy or sell a share you are paying brokerage fees. So investing in 30 different companies would cost me almost $300. Or i could invest in one etf for $10.

    • @bornufree
      @bornufree หลายเดือนก่อน

      An independent custodian houses the shares for the manager. Look at their pds

  • @AmaliSaid-xz1dr
    @AmaliSaid-xz1dr 7 หลายเดือนก่อน +1

    Hello, EFT is good in Australia, but we need cash in case of credit card drama which happens and lost wallet problems, so security check and give money.
    Amali
    Australia
    Thanks.

    • @sharndawg007
      @sharndawg007 4 หลายเดือนก่อน

      Start building up an emergency fund in a high interest savings account.

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน

      That sounds like you don’t know how to manage finances and it sounds like a you problem

  • @KonaCommuter
    @KonaCommuter 7 หลายเดือนก่อน

    17:00 so Vdhg?😜

    • @AMRIT3018
      @AMRIT3018 7 หลายเดือนก่อน

      VDHG is the best!!

    • @Portal100kgJJ
      @Portal100kgJJ 7 หลายเดือนก่อน

      @@AMRIT3018 Nah DHHF is better

    • @AMRIT3018
      @AMRIT3018 6 หลายเดือนก่อน

      @@Portal100kgJJ how? Why?

    • @T0pMan15
      @T0pMan15 3 หลายเดือนก่อน

      @@AMRIT3018Vdhg was good before it weighted too much into bonds and dividends paying companies. You can be high growth and invested into bonds and high dividend paying companies lol

  • @JohanSchmidt
    @JohanSchmidt หลายเดือนก่อน

    36 mins of saying basically nothing

  • @michaeldewson8708
    @michaeldewson8708 7 หลายเดือนก่อน +2

    ETF are ok,,, but i do think its a lazy way to invest

    • @sharndawg007
      @sharndawg007 4 หลายเดือนก่อน +1

      Most of us don’t want to follow the market daily or want to risk putting all our eggs in one basket. Good on you if you (a) have the time and (b) have the risk appetite!

    • @joel_13_
      @joel_13_ 3 หลายเดือนก่อน +1

      Can you outperform the market over 5-10 plus years?
      Once you realize it's a very small percentage who can.. just invest in the market

    • @michaeldewson8708
      @michaeldewson8708 3 หลายเดือนก่อน

      @@joel_13_ Easily 60% return yoy last 3 years
      I realized a long time ago that im the only one that really cares about my money DONT BE LAZY A INVESTOR.
      DYOR.

  • @NevilleBartos-el9qw
    @NevilleBartos-el9qw 7 หลายเดือนก่อน +4

    These shows always have the disclaimer seek advice from you financial planner. In my early days of investing it took me a while to realise that these financial planners were legalised con merchants. I trust my own judgement now happy in the knowledge that if I am right or wrong, I didn't get conned.

    • @Rask-invest
      @Rask-invest  7 หลายเดือนก่อน +3

      Fair enough Neville. I know what you’re saying. We’re required to do that disclaimer and we try to make it fun. Kate and I have been ETF investing for a long time and we LOVE that anyone can start building a portfolio from Day O. Thanks for commenting - keep ‘em coming! Owen Rask

  • @bornufree
    @bornufree หลายเดือนก่อน

    So verbose😂
    Vas/vgs a200/ bgbl and get on with life and don’t invest with these clowns who will skim a cut on top of low fees🎉