New subscriber after trying to find Australian specific content. Currently binging on your content haha. I'm glad to see that the Vanguard Australian index fund is now only 0.16%p.a. The small-ish and often auto-inveseting is working well for me
Great vid my man. Have been confused for ages about the difference between the 3 and what’s best for me. Also I’m from Australia too so helps me even more. Keep up the good work 👍
Hey Michael, great Video. Very informative. I understand your channel doesn’t provide financial advice BUT, by any chance, do u have any video featuring investing recommendations for over a 55yo like me? ✊🏽
@@michael_ko Definately helped in making decisions about where to put my money, (of course not taken as financial advice) so I can let it grow for the future 🙂
I literally just realized that I did this. I've spent the last 3 years with an Index fund instead of an ETF and realized I've been paying 0.9% instead of .05%. Doesn't sound like a lot but it ends up being thousands of dollars. In the process of figuring out how to fix it now...
Hi... Quick question, the part it's like £100 every month... What if I don't have a £100 next month... Are they going to take my account down or something
This was a great video, so much helpful information. Not sure if you've touched on it in a different video, but what are the implications of tax and capital gains Tax on investing in ETFs? I'm finding it hard to work out if you pay capital gains each year at Tax time as well as at the end when you pull the money out. Or is it only when you take the money out?
that's the question I would ask as well but... as applied in the USA (Australia would likely be different). The significance is - long term capital gains is taxed at a lower rate & tax/fee management appears to be a significant consideration when investing.
Can an Australian buy the VTSAX directly without using an app such as Self Wealth. I am concerned about regular contributions each getting charged the 9.50 fee every time.
If you're buying in monthly then it really only translates to $114 a year, which is really not that much, depending on how much you plan to invest yearly.
I recently bought into a managed fund on vanguard. Only because I could do background auto investments. If I own an ETF on vanguard does that mean I have to make continuous payments every month? I really need some advice because I haven't been hearing the greatest things about managed funds.
Always remember for index funds (particularly the S&P), time in the market always beats timing the market. If you hold in the long term, history is on your side. The catch is, you need a larger proportion to make it really worthwhile. For smaller investments (hundreds, or thousands) I'd recommend learning how to valuate companies, identify the undervalued ones and buy equity (publicly or not).
I'm looking to start investing in index funds. I read your comment as saying "smaller investments of hundreds OF thousands" and freaked out haha. I was like omg that's considered a smaller investment?!? 😂
I've just started with ETFs and one of my investments is IVV but I wonder if MOAT might be better in the long term. I'd be interested in your thoughts on a direct comparison with fees and long term performance.
Moat is on the face of it a good idea. Its performance has been fantastic. I have the following concerns: everyone has bought into companies with large moats so the prices are extremely high (pe ratios are high) & there is a real risk that the US dollar will collapse due too much QE. I really like moat but I'm concerned the US market is a big bubble. Its on my watch list if we have a downturn
Hi there! Love the video really cleared up for me the differences.
New subscriber after trying to find Australian specific content. Currently binging on your content haha. I'm glad to see that the Vanguard Australian index fund is now only 0.16%p.a.
The small-ish and often auto-inveseting is working well for me
Thanks so much! I have been watching your videos and learning heaps! Please Keep making those!
Thanks Yujin, will do!!
Great vid my man. Have been confused for ages about the difference between the 3 and what’s best for me. Also I’m from Australia too so helps me even more. Keep up the good work 👍
Hey Michael, great Video. Very informative. I understand your channel doesn’t provide financial advice BUT, by any chance, do u have any video featuring investing recommendations for over a 55yo like me? ✊🏽
I’ve heard ETF are in a “bubble” would love a video on the topic!
Done ✅
16:01: 0.75% for VAS!!! When was this about? The current fees are quite lower now.
Like this video, definately explains the differences very clearly 😁 thankyou.
Glad it was helpful!
@@michael_ko Definately helped in making decisions about where to put my money, (of course not taken as financial advice) so I can let it grow for the future 🙂
I literally just realized that I did this. I've spent the last 3 years with an Index fund instead of an ETF and realized I've been paying 0.9% instead of .05%. Doesn't sound like a lot but it ends up being thousands of dollars. In the process of figuring out how to fix it now...
I did the exact same thing, feels bad but better to fix it now rather than later!
Making mistakes is part of the game and makes you grow ‘as a person’
Very informative.. thank you for this video👍🏼
Glad it was helpful!
What stock brokerage account do you use to buy your ETFs? Selfwealth, CMC or?
Great clear information . Well done - try and notice how many times you say actually - once i noticed it was distracting
Thanks - and noted!
Very informative video. I really enjoyed it you made the information easily understandable. I'll tell you in 10 years how I did lolol!
Hi Michael, any differences in tax treatment? Otherwise great video.
Thanks for the informative video.
Glad it was helpful!
Self wealth is an index fund rightright? Can you make a video about it
Where can you buy index funds when living in Australia?
Hi... Quick question, the part it's like £100 every month... What if I don't have a £100 next month... Are they going to take my account down or something
This was a great video, so much helpful information.
Not sure if you've touched on it in a different video, but what are the implications of tax and capital gains Tax on investing in ETFs?
I'm finding it hard to work out if you pay capital gains each year at Tax time as well as at the end when you pull the money out. Or is it only when you take the money out?
that's the question I would ask as well but... as applied in the USA (Australia would likely be different). The significance is - long term capital gains is taxed at a lower rate & tax/fee management appears to be a significant consideration when investing.
Great content, I want to know The difference. Thank you New subs :)
what about VDHG, its name is high growth index ETF, it has both index and ETF, so is it index or ETF?
Can an Australian buy the VTSAX directly without using an app such as Self Wealth. I am concerned about regular contributions each getting charged the 9.50 fee every time.
If you're buying in monthly then it really only translates to $114 a year, which is really not that much, depending on how much you plan to invest yearly.
Waiting for you new video Michael?
Been so busy with work will do new ones soon!!
I recently bought into a managed fund on vanguard. Only because I could do background auto investments. If I own an ETF on vanguard does that mean I have to make continuous payments every month? I really need some advice because I haven't been hearing the greatest things about managed funds.
Another great vid!
Appreciate that
1:03 I live for that smile hahahahaha,
when u mention the mutual funds is that the same as just saying managed funds? Are they synonyms..
Thank you Michael. Very informative
Always remember for index funds (particularly the S&P), time in the market always beats timing the market.
If you hold in the long term, history is on your side. The catch is, you need a larger proportion to make it really worthwhile. For smaller investments (hundreds, or thousands) I'd recommend learning how to valuate companies, identify the undervalued ones and buy equity (publicly or not).
I'm looking to start investing in index funds. I read your comment as saying "smaller investments of hundreds OF thousands" and freaked out haha.
I was like omg that's considered a smaller investment?!? 😂
I've just started with ETFs and one of my investments is IVV but I wonder if MOAT might be better in the long term. I'd be interested in your thoughts on a direct comparison with fees and long term performance.
Moat is on the face of it a good idea. Its performance has been fantastic. I have the following concerns: everyone has bought into companies with large moats so the prices are extremely high (pe ratios are high) & there is a real risk that the US dollar will collapse due too much QE.
I really like moat but I'm concerned the US market is a big bubble. Its on my watch list if we have a downturn
Could you do a quick comparison between portfolio trackers such as Sharesight vs Simplly Wal St, when able?
Great idea, I use both of these at the moment - are there any others you would like me to compare?
@@michael_ko Yes please
Actively managed mutual funds are dinosaurs
so true
Love
I think this video needs an update.
What part needs to be updated Ben? I'd be keen to clarify anything if needed
Just the fees. Nothing major. Vanguard's fee have changed quite a bit
@@sixfootfourwarrior Yes the index fees are very close if not the same as their ETFs now