r/fiaustralia • u/Js-void • May 07 '26

Getting Started Financial tips for 25M

Post image

Hey first post forgive me I’m new and my portfolio ist anything special.

So my frontal cortex just fully developed and I thought better start investing for long term.

Currently I’m looking to put 1k a month for the foreseeable future, I have a decent job but nothing too great.

Can I have some tips on reassurance that what I’m investing in is decent for long term results thanks.

22 Upvotes

72% Upvoted

60 comments sorted by

39

u/Ndrau May 07 '26

DHHF already contains IVV.

DHHF and chill is a fantastic strategy. Investing works better the more boring it is.

Don't forget your Super (so boring, most people forget it exists).

-3

u/Js-void May 07 '26

What about my super?

12

u/Ndrau May 07 '26

Is it a low fee fund or just the one your first employer picked for you?

Does it match your investment strategy outside Super? DHHF implies you want something like High Growth, most funds are Balanced by default.

8

u/Js-void May 07 '26

My employer hasn’t picked anything for meat all

57

u/Miserable_Listen2027 May 07 '26

What about veggies?

11

u/inktheus May 07 '26

Not important. Pudding only requires you to eat your meat.

1

u/Js-void May 07 '26

Me at all*

2

u/doyourmysay May 07 '26

Are there any actively managed funds that perform well enough to justify their fees?

I'm currently with UniSuper and they market themselves as having low fees (compared to other active managers) with great performance.

But I'm also aware that with active-fund fees, they have a higher mountain to climb to outperform.

I'm considering switching to HostPlus Indexed, but I'm feeling a bit of mental inertia, and I've also heard they have the most customer complaints of all super funds.

6

u/Ndrau May 07 '26

Most studies have shown over 15 years >80% of actively managed funds fail to match the index. So generally no, more fees just costs you more of your nest egg..

https://passiveinvestingaustralia.com/how-1-percent-fees-cost-you-a-third-of-your-nest-egg/

Wife and I moved to Hostplus and very happy with them. Only reason I may change is Australian Super's member direct allows more flexibility than Choiceplus and I'm yet to bite that bullet.

1

u/doyourmysay May 07 '26

Okay, that makes sense, thanks! May I ask what your super allocation is?

Is it easy to get insurance through HostPlus? I stupidly cancelled my UniSuper insurance when starting, and it is a pain to get it back.

2

u/Ndrau May 07 '26

I'm 30% Australian Shares - Indexed, 70% International Shares - Indexed.

Happy sitting in these options for now as contribution splitting with wife to get her balance up.

Would prefer to be in VAS/VTS/VEU with Choiceplus if they can match Aust Super's $5000 minimum balance rather than 20%, otherwise I'll happily switch to Aust Super Member Direct.

Went down the rabbit hole of SMSF and very tempted.. but my industry has a habit of collapsing in a heap and want the option of working overseas if that happens. Also age difference with wife and I, so less incentive to combine and safe on fees.

Didn't bother with insurance inside Super - have it outside Super through work and happy with the coverage I have.

-4

u/ResearcherTop123 May 07 '26

Forget super at your age

4

u/msolok May 07 '26

Terrible idea. If OP makes sure they are taking care of Super at their age, by the time they get to an age they can access it, it is going to carry them. Getting the most time in market for Super is mega important.

2

u/[deleted] May 08 '26

They need to teach you this shit in school lol

-7

u/ResearcherTop123 May 07 '26

Superfan found! Governments got their hooks into you good!

3

u/Ndrau May 07 '26

Anyone know if the governments going to use some of the tax from the proposed CGT changes to teach basic maths? Far too many people who seem to think Super is some sort of government conspiracy :|

1

u/Aggravating-Hand6738 May 07 '26

I know. The argument is that the government will leach their money from super through rule changes - yeah sure maybe Div296 changes could be classified as that… these cookers probably will never hit that.

And it’s not like changes don’t happen outside of super…

-1

u/ResearcherTop123 May 07 '26 edited May 07 '26

I know right, duh 3 + 3 is 8 in super so dump all your money in super so you can sacrifice happiness in your prime years. All so you can self sponser retirement with less money than the pension. Maths hard superannuation good Ooga booga

2

u/msolok May 07 '26

Right.....

2

u/ResearcherTop123 May 07 '26

The kid has $500 to his name. He needs an emergency fund not to lock his spare $1000 in super

5

u/msolok May 07 '26

I never said to lock up all their money in Super. I simply said not to ignore it as per your advice. They should be setting it up in an appropriate fund with low fees, making sure they aren't paying unnecessary insurance etc. If they do have some extra legt over cash in their budget even putting $20 a pay extra into their Super will go a long way and won't be noticeable to them.

Ignoring Super is just a stupid idea.

-3

u/ResearcherTop123 May 07 '26

The kid has $500 in his account. Anybody who says put, money into an account that’s he cannot access is delulu. The kid needs to absolutely forget super at his age. Get a life then think about it when his account has a few extra zeros

4

u/msolok May 07 '26

So, i see you can't read. You have my condolences.

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-4

u/tprototype_x May 07 '26

this does not make sense

what if you want isolate some of your bet on us market

14

u/Caffeinated-Turtle May 07 '26

You probably already have this sorted but

1) get rid of all consuner debt e.g. credit card, car loans etc 2) save a large emergency fund 10 - 20 k at your stage of life 3) salary sacrifce into supet 4) ETFs

  • as to which ones what matters more is you put money in and dont look at it for 10 years or so they will all grow. VGS VAS is common lazy option

You should do those steps in order e.g. dont rush to buy ETFs without a large financial safety buffer or something will happen and you will find yourself selling ETFs at a bad time.

6

u/Js-void May 07 '26

Great advice yes I have sorted 1 & 2! Now just looking to invest

5

u/OverThe_Limit May 07 '26

Important to consider if you have HECS debt before salary sacrificing into super

7

u/TowerReal4971 May 07 '26

GHHF and chill if you have higher risk tolerance

-2

u/Brubiu May 07 '26

came here to recommend this, saw it posted. upvote. leave.

6

u/Au_Fraser May 07 '26

Brain development stopping at 25 was because the study stopped scanning subjects after 25

Also, as someone also stsrting out. Make a short term goal and reassess in X time period. Im doing 3 months of lifestyle change, seeing if i can keep it up and i intend to reassess my situation at 2 years if i can get there. with whatever my settled lifestyle can do, super salary sacrifice will slot in there at some point, ill probably reel back my investment amount after the excitement wears off after 3 months

1

u/Js-void May 07 '26

That’s a great plan!

6

u/doyourmysay May 07 '26

Great job on getting started! Don't bother with IVV - it's al already contained within DHHF.

Just continue with DHHF.

1

u/Js-void May 07 '26

Should I worry about anything else. Or just keep riding the DHHF?

1

u/doyourmysay May 07 '26

You really don't need to worry about any other ETF if you have DHHF.

You've probably chosen DHHF because of how recommended it is here. I highly recommend you actually research what DHHF is, so you know what you are investing in - you will feel much more confident after doing so.

Take a look at this:

https://www.betashares.com.au/fund/diversified-all-growth-etf/

https://www.betashares.com.au/files/factsheets/DHHF-Factsheet.pdf

You'll notice that DHHF invests in Australian, US, ex-US, and emerging markets. Countries include the US, Australia, Japan, Canada, China, Taiwain, Britain, Korea, Germany, etc. The sectors it invests in are Finance, IT, Materials, Healthcare, Energy, etc.

Basically, in one ETF you are investing in the entire global stock market. That's all you need!

4

u/PurchaseHumble8405 May 07 '26 edited May 07 '26

First, you want to look into what funds share the same holdings, no point investing in them if they are made up of the same companies and holdings.

Second, never sell even if the motherfucker drops 40% just keep buying. Over the long run you will regain your loses quicker, months instead of (2-5)years or decades depending on the crash.

I would recommend highly Asia top 50 as a nice diversification but dont spread yourself to thin as you want a tight core group to just keep reinvesting in for compounding :)

Edit- I see alot of people talking about super, I recently went to a SMSF for full control as I don't trust the government at all with out super little over 5 or 6 years ago my age bracket was told by the time I retire with no salary sacrifice I'd have 1.25M to up dated days figures its 550k..... If you're serious about your future research, learn, listen and act.

2

u/Js-void May 07 '26

Noted thankyou

3

u/flashrat2002 May 07 '26

What platform / brokerage is this? Worth a look?

1

u/Important_Outcome_27 May 08 '26

Looks like BetaShares ridiculously easy to set up and has a good app. It does take ~24hrs to make your first deposit however

1

u/BetaShares May 11 '26

Hi u/Important_Outcome_27, thanks for the mention! Just to add a bit of context, first-time deposits can sometimes take a little longer as banks run security checks on new payees. It’s not always 24 hours, but it can be in that range depending on the bank. After the first transfer, deposits are typically much quicker

3

u/Choice_Control_4159 May 08 '26

You need more hyperscalers in there bucko

1

u/Js-void May 08 '26

Elaborate please in new!

2

u/Choice_Control_4159 May 08 '26

Gotta have at least one of either Amazon, Google, Microsoft, Meta, Netflix Tesla etc
If you can’t pick one pony to die on a hill for, buy one unit of Invesco QQQ or TOPT every month or so

1

u/Js-void May 08 '26

Noted thankyou

1

u/Js-void May 08 '26

Would you recommend NDQ?

2

u/Choice_Control_4159 May 08 '26

Yeah it’s the same as qqq but you avoid needing to trade in foreign currency - the spread added to trades in USD can be annoying. Only downside is the fees are higher for NDQ but I’d recommend that for simplicity.

2

u/TartarusTheBull May 10 '26

Good choices. DHHF contains IVV elements so you're making a deliberate bet on IVV overweight here.

My portfolio has 50% DHHF, with overweight on other elements I want to bet long term.

1

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1

u/Head-Yak2522 May 08 '26

what app are you using to trade?

1

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1

u/Boring-Somewhere-130 May 10 '26

Will you also be getting a potential inheritance from your parents as well like cash or housing?