Fears of Pandemic, weak economy, weak AUD and correction/crash in the share market. Should One would be investing in-
Investment into Shares vs Index Fund vs Superannuation
d-hunterz on 02/03/2020 - 14:26
Last edited 02/03/2020 - 14:27
Last edited 02/03/2020 - 14:27
Poll Options
- 3Shares
- 4Index Funds (Spaceship)
- 3Super
Comments
I am more looking into the pro and cons of each of them. Eg- Shares - High Volatility but higher/lower returns, tax implications, independence to cash out etc.
Well thats applicable to any point in time - and is even more well covered.
Simple advice, buy small parcels of ETFs (a couple of the Vanguard ones) at say monthly intervals. The markets have been at record highs, as others have said the drops now are like the froth being blown off a full beer - so not that major. So I'd get an account with Self Wealth or similar and buy some simple broad market ETFs. But again this is very general advice and you should put more effort into finding something specific for you & your specific needs. :-)
Property. The RBA is a joke. Aren’t shares/index funds/super essentially affected the same by those circumstances? You could invest in face mask companies or whatever haha.
The real opportunities are in individual shares. A lot of companies are trading at 5 year lows in recent panic selling. Fortune favours the brave. Good luck!
care to recommend some ?
Spaceship is shares.
Super, but what within super?
Shares, it is pretty broad like Index ETF?Spaceship is synthetic funds so you don't even own the equities.
Super has many differing asset classes and you can invest within shares and broadbase within, or if particularly perverted SMSF routes.
Shares/ equities/ stocks even commodities or as mentioned Index/ ETF?I think more research is needed otherwise just slam into BTC and hope for the best.
Spaceship is not synthetic, I don't think you know what synthetic means in share. Every index fund has majority of their money in physical shares. They only use synthetics if they can't get into ownership for short periods using options or derivatives (for delivery). Your shares are held in a trust. Please read the rules. You can't get a AFSL unless you segregate client funds and also assets, these need to be clearly identified which client owns them.
Super has many differing asset classes and you can invest within shares and broadbase within, or if particularly perverted SMSF routes.
You got a comprehension problem? Exactly my sentence before the question mark. Putting money into super and have it in cash does nothing.
Shares/ equities/ stocks even commodities or as mentioned Index/ ETF?
You really don't know anything about finance do you? Shares is part ownership of a company as in equity. Commodities is not shares, it is buying a physical asset in theory for delivery but with standardised contracts it is easy to close out for $ profit / loss.
I think more research is needed otherwise just slam into BTC and hope for the best.
If you don't know anything the last thing you should do is slam it into crypto. Crypto is just a solution looking for a problem.
Wow butthurt much?
Sounds like more research needed all round particularly into sarcasm, keep up with you spaceship too lol.@wiipantz: Think you got some butt hurt.
Sounds like more research needed all round particularly into sarcasm, keep up with you spaceship too lol.
It is not helpful when you think your random brain farts are funny. Especially when they are counter to any facts (read the PDS). You are the type that passes all the exams, gets the qualification and still make a total mess of it.
We are the most connected generation but yet most people (like you) decide to brain fart first then Google later. When proven wrong decide it is either a joke or sarcasm.
@wiipantz: Read the PDS
Page 2
How units are valued
The unit price (or value of each unit), at any time, is
determined by dividing the Fund’s net asset value by the
number of units on issue in the Fund at that time. Units
are usually valued each Business Day. The unit price will
vary as the market value of shares in the Fund rises or
falls.When you invest you’ll get units in the Fund
As an investor, you acquire units in the Fund. A unit
represents a proportionate beneficial interest in the
Fund’s assets as a whole (but not to any particular
assets). You can increase your investment by acquiring
units in the Fund, or decrease your investment by
withdrawing your investment and therefore redeeming
units in the Fund.The Fund does not invest in derivatives or undertake any
hedging activities.Synthetic Index. The purchase of futures contracts and/or options such that one's exposure and potential payout resemble >that of an index. One creates a synthetic index if one believes doing so will result in a higher return than a security >tracking a real index.
@netjock: Believe me I have and some. Interesting bits about withdrawals really 'slam it home'.
I was referring to sarcasm… wow you must be fun(I was going to say at parties but that's laughable you wouldn't know that and deem it sarcasm.) life. As I said, enjoy ownership of their fund and not the assets but alas it's not a synthetic at all…Believe me I have and some. Interesting bits about withdrawals really 'slam it home'.
This is exactly the type of persons I talk about on the internet. There is always something that they can't tell, otherwise it might be slander? Or just totally untrue.
I was referring to sarcasm… wow you must be fun
It is probably better to have someone at your party who doesn't want to tell the truth to say nothing that all rather than telling all these untruths and cause a violent confrontation and police having to be called. You are the type of person that would say stuff and cause panic buying of toilet paper rather than saying nothing at all because you have no information.
Ive recently cashed out my bitcoin and will be retiring at age 25, all the best
Really depends on your age and if you need the money. For example Super is very tax advantageous, but you can't access it until retirement (or unless you have a very compelling story to access it earlier).
Vastly oversimplified question for any vaguely meaningful advice. History would show if you're holding for long term there's pretty much never been a bad time for investing in the share market. And really what do you think index funds and many super options are made up of….shares. Just a lazy question and dunno what was hoped to be gained from this that couldn't be gotten from a million threads out there on any time when the global markets have dipped - cause is irrelevant.