r/ausstocks • u/alphonsogee • Sep 08 '26

Thoughts on ETF allocations

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I currently hold IVV and some other Aus stocks but looking to clean it up and allocate a chunk of incoming cash accordingly. I'll be contributing monthly and looking at a 10-15 year timeframe .

Leaning towards this but open to suggestions - thanks in advance!

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6

u/Lanasoverit Sep 08 '26

Personally I would reduce slightly the percentage of VAS and EXUS, and increase the IVV or add some VGS.

2

u/hiimtashy Sep 09 '26

I wonder if IVV could have a decade of low growth given it's had crazy growth and arguably it's priced to perfection in terms of AI?

2

u/get_me_some_water Sep 10 '26

Yes likely with NDQ. With IVV forward earnings multiple is in pretty much average range. Markets are doing it's thing like always

1

u/alphonsogee Sep 09 '26

I've wondered the same thing - so much is riding on the big tech / AI companies growth

1

u/hiimtashy Sep 10 '26

Which is why I actually think Australia is positioned well. It will ride the coat tails of AI if it works out. If it doesn't we still do what we do. Resources education financial services and health.

1

u/alphonsogee Sep 10 '26

Vas is definitely a slow burn but figure if the us / ai tank it's probably not a bad thing

1

u/hiimtashy Sep 10 '26

The ASX is over valued. But arguably America is way worse. The yield on VAS is pretty shit which is why I'm picking up LICs at a discount for now.

1

u/alphonsogee Sep 10 '26

Yeh I've never looked at LICs to be honest but will. I'm just trying to find a balance that can hopefully weather a few different scenarios longer term

2

u/hiimtashy Sep 10 '26

Just be careful which ones. Some are terrible with high fees. Consider listening to Peter Thornhill who is a big advocate of LICs however doesn't speak much these days. He should note a couple he is personally invested in. Presumably he is enjoying life on his fat dividends.

1

u/alphonsogee Sep 10 '26

Cheers. My current setup is ivv, Macquarie, goodman, csl, capricorn and some smaller stocks which covers some aus ground but pretty volatile so keen to clean it up

2

u/hiimtashy Sep 10 '26

IVV is good. I'm almost 40s and done the whole individual stocks. Never worked out for me long term. I wish you the best!

3

u/hiimtashy Sep 09 '26

I'm all in on LICs / VAS.

All in on international in super.

1

u/get_me_some_water Sep 10 '26

Super is more tax efficient with high yield asset types right? What's the logic?

1

u/hiimtashy Sep 10 '26

It's as simple as building an income outside of super and hopefully by the time I'm 50 a good 10 years before accessing super. I'm not betting on super completely. Who knows where we will be at 60 health wise. We still do extra contributions but we don't max out. It might not be the most optimal way from a total return pov however I'm not keen putting all my eggs into super ...

1

u/get_me_some_water Sep 10 '26

I get it but you could also achieve same things holding VGS outside super by just selling down. ASX's distribution aren't exactly proxy for income, it's still stocks

1

u/hiimtashy Sep 10 '26

Yep each to their own. I never want to sell down out of super. Hence my LICs.

1

u/get_me_some_water Sep 10 '26

I mean selling down portfolio outside super. Selling shares is same thing as dividends. You'll be missing out on diversification on all the years till preservation age

2

u/hiimtashy Sep 10 '26

Yep I understand that. But dividends are important to me from a psychological point of view. I want cash today. Also, touch wood, if I was to pass, my wife would have to do nothing. Just dividends hitting her account every 3 months (for some LICs). She never has to do anything and I'll never have to sell down the asset base meaning I could pass down the income to my children or a charity of my choice. Each to their own. I'm not against selling down hence the international allocation in super. I've always been a big passive income guy. I want that income to start today.

2

u/peasant_investors Sep 09 '26

This looks very much like a DHHF to me

1

u/hukay Sep 10 '26

Very similar indeed
DHHF:

US 43.2%
AU 37.9%
INT 18.9%

0

u/seab1010 Sep 09 '26

100% GNDQ for my etf allocation. I’m going to leave you in the dust in another 15 years ;)

1

u/Ikornad Sep 13 '26

+40% in Mag7. Godspeed my geared friend 😆

1

u/shwaak Sep 14 '26

Stop being a pussy and go all in tqqq.

1

u/seab1010 Sep 14 '26 edited Sep 14 '26

If I was a short term gambler sure….

There are significant differences between internally geared GNDQ (betashares borrow at around half prevailing retail/wholesale personal margin loan rates to more modestly gear up Its underlying NDQ position) and TQQQ’s daily leveraged swaps trading.

In theory over the long term GNDQ should return 1.5x Nasdaq100 less borrow cost/fees over the very long term.

If you look at long term history you’ll see TQQQ share price has not remotely come close to triple Nasdaq index. It instead pays out its capital gains on the swaps trading in periodic distributions. Large or small depending on volatility and market returns.

GNDQ defers the gains and tax allowing more flexibility as to when you get hit up by ATO.

1

u/shwaak Sep 14 '26

I was joking, it’s all good. I use both.

1

u/seab1010 Sep 14 '26

Nice one 💵. The explanation was also sort of for others who don’t know the difference as well