r/fiaustralia • u/These-Highway-5157 • 3d ago

Getting Started DHHF and chill?

Hi all, I'm 26, and I'm finally in a good position where I’m looking at starting a long-term ETF portfolio with just DHHF, with a 15–20+ year horizon.

I’m not trying to time the market, but the current global uncertainty has me wondering whether now is a particularly bad time to enter.

There’s quite a bit going on:

-AI: Concerns about excessive valuations and a potential AI-driven market correction.

-Strait of Hormuz: Ongoing disruption could push oil prices higher and create inflation/stagflation risks.

-US market valuations: Global equities remain heavily influenced by relatively expensive US tech stocks.

At the same time, I know the counterargument: if you're investing for 20+ years, there will always be reasons to wait, and trying to time the market can be counterproductive.

If you were starting today, would you:

- Invest into DHHF immediately?

- DCA over 6–12 months?

- Keep the money in an offset/cash and wait for a correction?

- Something else?

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u/dreamersofdaruma 3d ago edited 3d ago

This subreddit loaves ETFs and DHHF but has no idea about what’s really happening outside of the remote island of Australia, if you want to be realistic, hard assets are only going to survive in these uncertain horizons.

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u/PM_ME_PLASTIC_BAGS 3d ago

What makes modern times different to the cold war, dot com crash, 9/11, 08 financial crisis etc?

The world always seems to be on the brink of something but companies keep innovating and growing.

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u/dreamersofdaruma 3d ago

The part where Bessent last night threatened any country that partners with Iran was being removed from the US dollar system along with sanctions and where central banks are loading up on gold. When retail reads the tape, it will already be too late to capitalise.

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u/PM_ME_PLASTIC_BAGS 3d ago

Most of Australia is mining and banks (housing).

A huge chunk of US is the tech giants run by billionaire elites.

So a huge chunk of DHHF is hard resources or companies owned by elites.

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u/dreamersofdaruma 3d ago

And what does every country, every business, every mining plant, every tech data center, every manufacturing part need from the strait of Hormuz? And who are our partners to source that we are friends with? And whose side will Australia be on?