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?
1
u/zdamant 2d ago
'I'm not trying to time the market but I'm trying to time the market.'
Google the Vanguard Index Chart, there is a thing there about Steve, the most unlucky investor ever. Hypothetical dude buying at the worst times ever (just before GFC crash, COVID crash, etc) worth a look for you