If you could DCA into ETFs (one or two max) - which ones would you invest to and why?
Ive seen the common ones like QQQ, NDQ, VGS, VGA DHHF etc. Any in particular ozbargainers like?
DCAing into ETFS
pixpotato on 30/06/2024 - 11:41
Comments
Best time to DCA into crypto is when it’s towards all time highs… it will inevitably crash and you can keep DCAing in from the bottom
VAS/VGS
which ones would you invest to and why?
would depend on your timeframe and risk profile and level of 'diy'
If you want zero/minimal thought, then DHHF/VHDG are an easy 'default' choice to give you diversity and minimal chance of 'fiddling'.
If you want to roll your own, 30/70 VAS/VGS (or equiv alternative, tweaked ratio etc) is another popular option to provide a wider markets spreador just 100% QQQ if you feel like diversification is for the weak
I want 70% high risk, 30% low risk, so pretty much two would be the best :)
Depends you're definition of high and low
Just find a single medium risk choice and buy that :)Vanguard have other premixed options but vdhg is the default recommendation for 'high growth' while still being diversified and not as 'high risk' as 100 single market equities
Betashares has that portfolio with their pre built option within their app.
I've started using the app and find it very good.
IVV
HODL
NDQ all in.
Google and reddit must be offline again.
n100 - the cheaper ndq
Why cheaper
Management fee is half
GHHF if you have a long term horizon. The geared version of DHHF
If you want 'high risk/low risk' then invest in different ETFs; not all in ones that have higher bond levels. So invest in VGS and VAS (or A200 and BGBL, which are the lowest cost combo) then pick a 'low risk' for your 30%. whatever that means for you.
Don't DCA, just dump it all at once, it is a financially smarter decision. Read:
https://www.morningstar.com.au/insights/personal-finance/197…
that's assuming he has a lump sum he wants to invest and not wanting to just start putting some money away each month.
If you don't have a lump sum then it's just regular investing?
Investing is a broad term for putting your money into shares or property or something else to hopefully make a return. DCA and lump sum are different types of investing.
@onetwothreefour: DCA is not the same as investing when you get paid. If you have a sum of cash sitting in your bank account and you decide to invest it over time, that's DCA. If you're investing X% of your pay cheque then you're just investing regularly.
A200/BGBL
A200 @30% ratio - Low MER, franking credits, exposure to Australian markets and no currency volatility (or go VAS if you prefer Vanguard but higher MER)
BGBL @70% ratio - Low MER (than VGS) and low dividend yield, diversified, all investments are in Liberal democracies.Liberal democracies are likely to attract capital and be more innovative and profitable over the long term because of their inclusive political and economic systems.
Bullish on US market (hwhich has priced in Trump victory)
My issue with DCA is the initial amount I set, like $500 per month, which totals only $6,000 per year. The overall investment amount is too small to make a significant impact. When the market grows by 30%, it makes you wish you had gone all in 12 months ago.
Maybe google a tool that helps you analyse the historical performance and investment objectives of ETFs.
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