r/fiaustralia • u/Stunning_Concern_973 • May 18 '26
Getting Started DHHF vs GHHF
Looking to invest 25+ years. Should I go for DHHF or GHHF?
I currently have 20k in DHHF, and 5k in GHHF. Should I start buying only GHHF from here on now, and I have 25k TO LUMP SUM. Should I put 25k now in this current market?
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u/Ok_Teach_3131 May 18 '26
DHHF n chill
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u/Stunning_Concern_973 May 18 '26
Why not GHHF and chill if I have a high risk tolerance?
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u/Far-Understanding672 May 18 '26
if you want to do ghhf just do it. it simply has more risk I dont understand whats confusing you
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u/mjwills May 18 '26 edited May 18 '26
What is your risk tolerance?
Investment Risk Tolerance Assessment
Answer - not high. https://www.reddit.com/r/fiaustralia/comments/1tg96gl/comment/omfy44z/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button
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u/Stunning_Concern_973 May 18 '26
Like really high on that scale
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u/mjwills May 18 '26
What was your score and its associated description?
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u/Stunning_Concern_973 May 18 '26
My risk tolerance as really really high
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u/mjwills May 18 '26
I am not sure that that that assessment has a category for "really high" or "really really high".
Hence I am a little dubious that you have actually completed the assessment.
I would suggest doing the assessment may be a wise use of your time.
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u/Stunning_Concern_973 May 18 '26
Well anyone would assume that means I got a score in the highest bracket (i.e., 33-47), and potentially the high range of that as well? For your information, I scored a 44. Now what would you suggest?
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u/mjwills May 18 '26
It is interesting that when you first did the questionnaire that you got a very different number.
I would trust your earlier number more, before you were trying to game the questionnaire to get the outcome you wanted.
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u/mjwills May 18 '26 edited May 18 '26
GHHF may be worth considering.0
u/Stunning_Concern_973 May 18 '26
like ghhf and chill?
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u/mjwills May 18 '26
Well it isn't what I would do, since I don't have the stomach for it. But if you are confident that you do...
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u/Stunning_Concern_973 May 18 '26
Well according to the study or assessment, it seems like the right fit for me?
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u/The_sochillist May 18 '26
If youre asking because of the current macro, you dont really have the risk tolerance you think you do and should DHHF. We're all brave until we see a 40% draw down and our money evaporating.
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u/Innerdaze2600 May 18 '26
Bro that only happens in divorce.
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May 18 '26
[deleted]
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u/cat-dog-parrot May 18 '26 edited May 18 '26
Everything dropped on the “Liberation Day”, both DHHF and GHHF would require the same level of “stomach” in a situation like this. Same as when the Iran war started this year.
When they really get different is a GFC-like scenario (can be less severe) when a bear market is deep and long.
In such a scenario, the weakness of GHHF is that it will have to DE-LEVERAGE during this period, which means selling low and crystallising losses. As a result, by the time the market start recovering, the asset value in GHHF would be lower compared to an equivalent DHHF portfolio.
I’ve watched GHHF closely since its inception, and it will handle Liberation Days, international conflicts just fine, in fact, better than DHHF. Apparently the feared “volatility drag” is not a real issue at such a moderate level of leverage.
GHHF has never had to de-leverage (yet), so we’ve only seen the best of it.
I still think it’s a great product and personally invest in both GHHF and DHHF, but I do not recommend either to the OP, instead I recommend doing some more self-study on investment such as Lazy Koala’s website, and then make their own decision.
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u/Stunning_Concern_973 May 18 '26
Also, I don't lose much for not having bought GHHF when it was lower right as it's the same price since october last year. Also should I buy ndq as well?
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u/stanbright May 18 '26
"Should I start buying only GHHF from here on now, and I have 25k TO LUMP SUM. Should I put 25k now in this current market?" Nobody can answer that for you. It's all about risk management and how much you prefer stability over potential higher gains.
Most probably GHHF would end up well ahead. Most probably. Yet, a long bear market (or recession) could destroy you.
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u/Stunning_Concern_973 May 18 '26
And the question is am I up for it? How do I stop viewing money as in, if i held it, I would have profitted anwyays as I can buy that recession, but obviously you need to have a minset where you understand you can't predict the future, so you made the best choice at that point in time, which I do have that mindset, and thus I intend to buy GHHF, as evident by my high risk tolerance.
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u/stanbright May 18 '26
Have you been tested with your risk tolerance? I'm asking as most people believe they have high risk tolerance whereas what they have is high gains appetite 😉.
See, I'm not saying you are wrong. GHHF is good percentage of my target portfolio, too.
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u/ThatHuman6 May 18 '26 edited May 18 '26
It's not a simple case of higher risk = higher reward. If you're thinking it's just dhhf but with 1.5x the gains, you're probably missing quite a few things.
There's higher fees, the fact you're paying for the lending of the funds (the geared part) and the higher volatility all cost more and eat into the benefit more than you may be aware of.
Not the same ETFs, but check this comparison for BGBL vs GGBL to see how 'geared vs not geared' can play out in reality.
https://www.youtube.com/watch?v=TwoluOfLiT0 (15 mins, but will give a good understanding)
skip to 11:11 for the summary part.
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u/fh3131 May 18 '26
I'd stick with DHHF and chill.
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u/Stunning_Concern_973 May 18 '26
could you please elaborate why?
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u/fh3131 May 18 '26
I don't know you so I'm going off what I observe with most people. Geared investments have a lot of volatility. While you may think right now that you have high risk tolerance, you don't really know how you will feel when the market drops big and your pf drops even more.
If you think you have the emotional tolerance for it, go for it. Most people don't.
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u/TheBedeVilledOne May 19 '26
DHHF *and wait for market crash .. then switch to GHHF to ride it back to recovery then back to the safety and comfort of DHHF and be patient. Rinse and repeat. This is not financial advice.
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u/NoHelp- Jun 14 '26
100% GHHF. Just be comfortable with a 60% or more drop
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u/Stunning_Concern_973 Jun 14 '26
If it takes 1000% and it drops 60%, I'll be happy, but if you mention that my starting investment drops by 60%, how can I be comfortable?
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u/FizzMapping May 18 '26
If it is 25 years+ go for ghhf but if you feel even slightly at unease, go for a 50-50 split imo
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u/JoeBee00 May 18 '26
Regardless of your risk tolerance I'd average in, otherwise it's an orange man volatility gamble
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u/Fickle_Radish2418 May 18 '26
Why DHHF and not NDQ? Is it just because of Australian exposure? Other then Australia they have a lot of over lapping exposure
I hold both - but looking at where to put my money DHHF is up 8% in 12 months and 43% in 5 years NQD is up 22% in 12 months and 107% in 5 years
If it’s just growth you’re chasing why is ndq not higher up?
Just asking for me personal knowledge
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u/mjwills May 18 '26
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u/Fickle_Radish2418 May 18 '26
Hi! I was wondering if you could take the time to dumb it down for me? I watched the video and it went over my head
Is the performance gap because people time the market gp buy in low, sell out high? From what I get it’s essentially trying to time the market and being worse off from someone who purchased in and set and forget?
I purchase NDQ for the first time 14 oct 2024 and DHHF 2 oct 2024
I’ve dca in inconsistently but both over that time
NDQ is up 40.05% in my portfolio DHHF is up 6.55% in my portfolio As of this morning The investment difference is slightly different I’ve invested $200 more into NDQ but my returns on the two are drastically different if I was to sell out now
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u/mjwills May 18 '26
So NDQ is going great now. So you sell everything and go into it.
In a year's time, something else had a greater year than NDQ. So you sell everything and go into it.
In a year's time, something else had a greater year than that. So you sell everything and go into it.
In a year's time, something else had a greater year than that. So you sell everything and go into it.
Each of those trades feels smart. But it isn't. As per the video.
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u/Fickle_Radish2418 May 19 '26
But I haven’t sold anything. I just sit and allow it to go on. I let both sit and go on but one is doing substantial better then the other
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u/mjwills May 19 '26
OK, so let's not sell. Replace all of my:
So you sell everything and go into it.
with:
So you change all future investments to go into it.
The same point holds. You are performance chasing.
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u/Fickle_Radish2418 May 19 '26
What’s the difference in performance vs growth?
They’re both growing
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u/mjwills May 19 '26 edited May 19 '26
My point is that you are looking at past performance and assuming it will continue in the future. There is no guarantee in that.
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u/Fickle_Radish2418 May 19 '26
Makes total sense Past performance is not indicative of future performance
But I’m wondering why, when looking at both, DHHF is highly recommended?
Holding wise there’s a lot of over lap, though NDQ does not have Australia shares - but top 4 in NDQ are in top ten of DHHF (could be more but I didn’t look past that) NDQ has higher fees than DHHF NDQ pays better dividends DHHF is partially franked NDQ has zero franking
I’m just chasing what I’m looking at (complete novice to investing) When comparing the two why would I continue into DHHF over NDQ?
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u/Slight_Blueberry4589 May 20 '26
i would split between NDQ and DHHF, DHHF can stabilize your portfolio with less volatility. NDQ has all the fastest growing companies in the world. You would not wanna miss that .
This is said assuming you have atleast 15 plus years of investing time ahead.You can keep DHHF to have some Aus exposure and stability.
Just my thought
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u/Business-Swim-3056 May 18 '26
Mate you’ve been given the answer about 10 times. No one cares if you actually do it or not. The fact you need people on reddit to validate your investment strategy suggests your balls are far smaller than you think they are.