Would love to hear in the comments whether you're using VDHG or DHHF, or neither! Also I have a favour to ask, I'm trying to build up my Instagram/Twitter accounts, would appreciate a follow :) instagram.com/michaelko__/ & twitter.com/okleahcim
is it true that DHHF out you on a DRP automatically and if you wanna opt out you have to go to their share registry and opt out of the DRP is that true? with DHHF its market cap is only like $50million, 15 million units on issue, dont you think this is too small? do you think they will grow in the years to come?
You should make a content on how to earn 6 figures in monthly profits cos I've been reading about investors making up as much and I'd really love to know how to such substantial profit in this current market...
Hey Michael, loved your video as always. Questions: - Can you do a video of your personal strategy? Which ETFS you have & why? - What other assets do you have? Other than shares etc. - What resources do you use for investing? Any forums or RUclipsrs you follow? Thanks heaps bro!
Considering a young mid income, short term minded person with constant need for cash, are these still worth investing into? I am new to all of these and have incurred so much losses, I am beginning to think I am not doing what is good for me but just following people blindly.
Following you has been an amazing journey, you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge sylvia nicolas.
It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Im just starting out,went for DHHF to go with A200,received my first dividends for A200 in January, $23 dollars was the dividends but it was a big thrill. I have a small amount in AAA aswel. Look foward to see how all 3 funds go next dividends
Does Pearler atuo rebalance also work for selling down holdings eg retired person? And is it possible CGT cost negates benefit of creating your own DHHF equivalent when rebalancing?
Access to good information is what we investors need for immense success and progress financially and generally speaking. Here is a good one and I am grateful.
Investing generally isn't as it easy as it seems and that's why it is advisable for one to invest with an expert who gives guidance and also decides when it is favourable to invest
What's counterintuitive is that on a montly returns basis (dividends are assumed to be reinvested), VDHG outeperformed in 2019 and 2020 ... 2021 DHHF has had better averages. Longer term we'll see how it goes
I use VDHG because of its commitment to modern portfolio theory, as evidenced by having some bonds. You would think you would not have bonds in a high growth fund. But portfolio theory says differently. The idea is to produce the highest return with the least risk. It's called the efficient frontier. Interestingly the math of the efficient frontier is a small amount of bonds means better long term returns.
@@getyaphinsup From Betterment Roboadvisor, but many similar studies have been done with the same result. 'The Betterment Robo Advisor 100 Portfolio obtained an 8.16% compound annual return, with a 16.18% standard deviation, in the last 25 Years. The Stocks/Bonds 80/20 Portfolio obtained an 8.74% compound annual return, with a 12.51% standard deviation, in the last 25 Years.'.The theoretical reason is buying low and selling high. By rebalancing each year you are taking some of your best performing asset class (usually, but not always stocks) and putting it into your worst-performing class. Yes most of the time that will reduce your gains slightly, but sometimes it will increase it (eg when the market has a down period and bonds perform better). Including some bonds not only increases risk-adjusted returns but actual returns. Not by much, it must be said. Now is the increase enough to make up for the tax implications? I think that depends on the investor and their situation. Personally, I like the slightly increased return and reduced volatility. I must also mention if Dollar Cost Averageing is used, as I do, the increased volatility works in your favour. In fact, the best strategy is likely a 100% share portfolio and selling puts to get income in a margin account. If you get assigned use the margin to get the ETF cheap. Pay the margin back and then continue to dollar cost average and sell puts. Options are very illiquid here in Aus - best done on a US ETF such as VUG.
Great video! I've been trying to jump in and start ETF investing and am heavily leaning towards DHHF. However, what's your opinion in copying the DHHF portfolio and using Pearler to autoinvest? I'm thinking this would cut down on fees but I'm not 100% on what other implications it would hold (e.g. would combined brokerage fees when rebalancing make it less cost effective / would it be a lot harder when it comes to tax time?). Thanks!
DHHF is running at 1.38% yield with a 27% price rise in the last 12 months where VDHG is running at 9.28% yield with a 13.38% price rise over the last 12 months . What do you want the yield or the price rise ? ETF’s are invested in for there yield usually.
I believe that is not a typical yield for the vanguard and lot of that is capital gain rather then dividend, so different tax treatment...?
5 месяцев назад
Firstly, 12 month values aren't indicative of long term performance Secondly, no ETFs are not usually 'invested for there yield'. Third, dividends are irrelevant, total return is what matters.
Hello Michael, you need to write for Open Road. They review 3 new cars and at the end of a long article the readers still have no clue as to which car to purchase. After one Friday afternoon you made it clear that I should go with DHHF and that Pearler and Spaceship were very good options to take, both taken. I am older and recently retired from work and my finance adviser. Could we have an article for older people who are cashed up, have no debts and would like to leave their wealth to children and grandchildren? Definitely enjoyed your written and visual presentations, thankyou :-)
Hi Wayne - thank you for watching and appreciate the comment, glad I was able to help. I've been planning a video around that topic so hopefully can get it out soon :) Hope you have a good holiday period and happy new year!
Great video mate! I’ve always liked VDHG for the global diversification but really don’t like their bond/fixed interest exposure. The alternative from beta shares is very interesting indeed.
Hey Michael, thanks for the informative video. I am currently holding VDHG and was wondering how management fees are paid when I purchase using Commsec because to my knowledge, I just pay the transaction fees on top of the purchase amount. So how do the management fees actually affect my purchase? Thanks!
As well I think ETF ACDC (lithium based company) because electric cars will be the future. What do you think?
5 месяцев назад
This only makes sense if you believe that other investors don't realize this and that the stocks in ACDC are undervalued. There is no reason to believe this is the case.
1 thing ur forgetting is the commision fees , Vanguard charge commission fees which u probs should have mentioned at least. My brokerage app charges anywhere between $10 to $13 on top of ur small account fees per investment. If u have a big account , its just chump change but if u have a smaller account ( $1000 and under ) these commission fees hurt.
Love all your videos and advice and particularly this one. Did I'm not sure if I understood you correctly, which of the two of these would you select on a $150k income keeping in mind tax benefits/penalties. I am leaning towards DHFF atm. Thanks again.
I didn't fully realise the Tax Implications of VDHG until I got my 1st Tax Statement. I'm planning to pause my contributions to VDHG and continue with DHHF for the foreseeable future.
@@douglasherrera7086 The realised Capital Gains was greater than the Dividend Distribution amount on my latest Tax Statement (I did not sell any Units in that time). I'm not entirely sure if they're taxed at the same rate though (do we get the CGT Discount?) I'm planning on contributing until they're basically even and then decide how to proceed from there. I may well do as you have and go 50/50. DHHF has been on my radar since I first heard about it.
Hi Great recap. I'm glad to have been able to achieve success in forex trading when i read through your post about a bitcoin and how to get started with the help of Expert Mrs Lucy
I'm also a living attestation of Mrs Lucy's services. She's obviously the best and has really made a good name for herself. I invested 4000$ with her and made a profit of 16,107$ in 9days.
Expert Mrs Lucy has an intellectual strategy that cut down losses. I have the best investing help with the aid of Lucy. She's friendly and easy to get along with in terms of signals and investing tips.
@@charleshoskinson7191 You don't need to be surprised because I'm also a huge beneficiary of expert Mrs Lucy trading service, I'm winning consistently trading with with her
Since VDHG holds managed funds inside of it, when investors sell down units of VDHG, it triggers a capital gains event and requires a distribution to be paid out to investors. This is bad tax-wise, as you would normally prefer to defer distributions in the form of capital gains, for as long as possible. Whereas if it was holding ETFs (like DHHF), this wouldn't occur due to their different tax structure vs. managed funds.
Just to add. If you are in the lowest tax bracket because you are semi or full y retired then this is fine. However, if you are still working, distributions will be included in your total income for that financial year and thus the higher tax that you will be paying
Dhhf isnt a multi asset etf. It's all long equities! America has actual multi asset etfs. Ntsx, ntsi, gde, rssb rsbt.. Upar... Etc etc. Australian etfs are so lame it makes me sick.
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
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Would love to hear in the comments whether you're using VDHG or DHHF, or neither! Also I have a favour to ask, I'm trying to build up my Instagram/Twitter accounts, would appreciate a follow :) instagram.com/michaelko__/ & twitter.com/okleahcim
VTS, VAS and VEU :D
is it true that DHHF out you on a DRP automatically and if you wanna opt out you have to go to their share registry and opt out of the DRP is that true?
with DHHF its market cap is only like $50million, 15 million units on issue, dont you think this is too small? do you think they will grow in the years to come?
Can you do a video on how the tax system in Australia interacts with ETF's. In particular the issues you mentioned with VDHG in this video?
You should make a content on how to earn 6 figures in monthly profits cos I've been reading about investors making up as much and I'd really love to know how to such substantial profit in this current market...
I recommend to pick up and read a few books. Peter is where I was recommended to start. Learn different strategies so that you might develop your own
who is your financial coach, do you mind hooking me up?...
I just looked her up and her strength is very attractive, I will definitely write to her soon. Thanks.....
Hey Michael, loved your video as always.
Questions:
- Can you do a video of your personal strategy? Which ETFS you have & why?
- What other assets do you have? Other than shares etc.
- What resources do you use for investing? Any forums or RUclipsrs you follow?
Thanks heaps bro!
Would like to see this too
Considering a young mid income, short term minded person with constant need for cash, are these still worth investing into? I am new to all of these and have incurred so much losses, I am beginning to think I am not doing what is good for me but just following people blindly.
Following you has been an amazing journey, you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge sylvia nicolas.
It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Great to see you guys talking of sylvia, Trading on your own can be very dangerous i can testify to that. This woman changed the game for me
Any info on how i can liaise with her, i'm new at this
she often interacts on Telegrams
In a Self Managed Super fund in accumulation phase do you think DHHF is better then VDGH?
You are amazing and truely financial educator. Love your detailed explain. Great effort.
Thank you 🙏
Im just starting out,went for DHHF to go with A200,received my first dividends for A200 in January, $23 dollars was the dividends but it was a big thrill. I have a small amount in AAA aswel. Look foward to see how all 3 funds go next dividends
Thanks bro! I'm using VDHG, but living in NZ
Does Pearler atuo rebalance also work for selling down holdings eg retired person? And is it possible CGT cost negates benefit of creating your own DHHF equivalent when rebalancing?
Such a detailed and informative video! Thanks Michael!
Michael, great information. Enjoyed this video.
Thanks David!
This is opportunity newbies and intermediate traders should capitalize on, it's a shame a lot can't see this.
Exactly, many still don't know the secret to creating wealth is in investing
Investing now should be in every wise individuals list. In some months time you'll be ecstatic about the decision you made today.
Access to good information is what we investors need for immense success and progress financially and generally speaking. Here is a good one and I am grateful.
jobs will pay your bills, business will make you rich, but investments will certainly get you wealthy and keep you there in the future.
Investing generally isn't as it easy as it seems and that's why it is advisable for one to invest with an expert who gives guidance and also decides when it is favourable to invest
What's counterintuitive is that on a montly returns basis (dividends are assumed to be reinvested), VDHG outeperformed in 2019 and 2020 ... 2021 DHHF has had better averages. Longer term we'll see how it goes
How about just invest IVV all in ? Less headaches grow over 15% per year
What are your thoughts on Aussie's investing into the VOO Vanguard S&P 500 ETF? Are there tax implications that make it not worth it?
hey mate how about doing an investment strategy for 60 year olds
I use VDHG because of its commitment to modern portfolio theory, as evidenced by having some bonds. You would think you would not have bonds in a high growth fund. But portfolio theory says differently. The idea is to produce the highest return with the least risk. It's called the efficient frontier. Interestingly the math of the efficient frontier is a small amount of bonds means better long term returns.
@@getyaphinsup From Betterment Roboadvisor, but many similar studies have been done with the same result. 'The Betterment Robo Advisor 100 Portfolio obtained an 8.16% compound annual return, with a 16.18% standard deviation, in the last 25 Years. The Stocks/Bonds 80/20 Portfolio obtained an 8.74% compound annual return, with a 12.51% standard deviation, in the last 25 Years.'.The theoretical reason is buying low and selling high. By rebalancing each year you are taking some of your best performing asset class (usually, but not always stocks) and putting it into your worst-performing class. Yes most of the time that will reduce your gains slightly, but sometimes it will increase it (eg when the market has a down period and bonds perform better). Including some bonds not only increases risk-adjusted returns but actual returns. Not by much, it must be said. Now is the increase enough to make up for the tax implications? I think that depends on the investor and their situation. Personally, I like the slightly increased return and reduced volatility. I must also mention if Dollar Cost Averageing is used, as I do, the increased volatility works in your favour. In fact, the best strategy is likely a 100% share portfolio and selling puts to get income in a margin account. If you get assigned use the margin to get the ETF cheap. Pay the margin back and then continue to dollar cost average and sell puts. Options are very illiquid here in Aus - best done on a US ETF such as VUG.
Great video! I've been trying to jump in and start ETF investing and am heavily leaning towards DHHF. However, what's your opinion in copying the DHHF portfolio and using Pearler to autoinvest? I'm thinking this would cut down on fees but I'm not 100% on what other implications it would hold (e.g. would combined brokerage fees when rebalancing make it less cost effective / would it be a lot harder when it comes to tax time?). Thanks!
Think the extra brokerage may dent your returns? Guess would depend on how much is invested, good question
DHHF is running at 1.38% yield with a 27% price rise in the last 12 months where VDHG is running at 9.28% yield with a 13.38% price rise over the last 12 months . What do you want the yield or the price rise ? ETF’s are invested in for there yield usually.
I believe that is not a typical yield for the vanguard and lot of that is capital gain rather then dividend, so different tax treatment...?
Firstly, 12 month values aren't indicative of long term performance
Secondly, no ETFs are not usually 'invested for there yield'.
Third, dividends are irrelevant, total return is what matters.
퀄리티 높은 콘텐트 감사합니다
Hello Michael, you need to write for Open Road. They review 3 new cars and at the end of a long article the readers still have no clue as to which car to purchase. After one Friday afternoon you made it clear that I should go with DHHF and that Pearler and Spaceship were very good options to take, both taken. I am older and recently retired from work and my finance adviser. Could we have an article for older people who are cashed up, have no debts and would like to leave their wealth to children and grandchildren?
Definitely enjoyed your written and visual presentations, thankyou :-)
Hi Wayne - thank you for watching and appreciate the comment, glad I was able to help. I've been planning a video around that topic so hopefully can get it out soon :) Hope you have a good holiday period and happy new year!
I swear you read my mind every week:)) Your videos are always sooo relevant. Thank you!
You're so welcome!
big fan! can u do a video sharing your portfolio?
Great video mate! I’ve always liked VDHG for the global diversification but really don’t like their bond/fixed interest exposure. The alternative from beta shares is very interesting indeed.
Thanks Michael, anything similar to DHHF with focus on dividends?
Your videos have given me heaps of insight and i’m learning a lot.. Thank you!
Glad to hear!
Nice work Michael, do you have a blog?
Thanks Ryan - yes www.walletlab.com.au - where I also post all my content in text format.
Hey Michael, thanks for the informative video. I am currently holding VDHG and was wondering how management fees are paid when I purchase using Commsec because to my knowledge, I just pay the transaction fees on top of the purchase amount. So how do the management fees actually affect my purchase? Thanks!
They are taken out of your investment by vanguard, you don't need to do anything...
Please do a video of Evergrande impact on ASX. Thank you Michael.
As well I think ETF ACDC (lithium based company) because electric cars will be the future. What do you think?
This only makes sense if you believe that other investors don't realize this and that the stocks in ACDC are undervalued. There is no reason to believe this is the case.
1 thing ur forgetting is the commision fees , Vanguard charge commission fees which u probs should have mentioned at least. My brokerage app charges anywhere between $10 to $13 on top of ur small account fees per investment. If u have a big account , its just chump change but if u have a smaller account ( $1000 and under ) these commission fees hurt.
Do you mean brokerage costs? Etf don't charge commissions 😬
@@daweigo6851 could be a brokeage cost , but other ETFs dont charge a commission fee. I only get a commission fee with Vanguard ETFs 🤷♀️
Love all your videos and advice and particularly this one. Did I'm not sure if I understood you correctly, which of the two of these would you select on a $150k income keeping in mind tax benefits/penalties. I am leaning towards DHFF atm. Thanks again.
Oops just noticed you already answered a similar question below, apologies
no problem :)
I'm on vdhg. But would it be worth investing in both vdhg and dhhf
I didn't fully realise the Tax Implications of VDHG until I got my 1st Tax Statement. I'm planning to pause my contributions to VDHG and continue with DHHF for the foreseeable future.
@@nathanleeshaw7092 is it that bad with taxes.
Because I decided to go half and half
@@douglasherrera7086 The realised Capital Gains was greater than the Dividend Distribution amount on my latest Tax Statement (I did not sell any Units in that time).
I'm not entirely sure if they're taxed at the same rate though (do we get the CGT Discount?)
I'm planning on contributing until they're basically even and then decide how to proceed from there. I may well do as you have and go 50/50.
DHHF has been on my radar since I first heard about it.
Hi Great recap. I'm glad to have been able to achieve success in forex trading when i read through your post about a bitcoin and how to get started with the help of Expert Mrs Lucy
I'm also a living attestation of Mrs Lucy's services. She's obviously the best and has really made a good name for herself. I invested 4000$ with her and made a profit of 16,107$ in 9days.
Expert Mrs Lucy has an intellectual strategy that cut down losses. I have the best investing help with the aid of Lucy. She's friendly and easy to get along with in terms of signals and investing tips.
I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week....
@@charleshoskinson7191 You don't need to be surprised because I'm also a huge beneficiary of expert Mrs Lucy trading service, I'm winning consistently trading with with her
I thought people don't know her,
Bitcoin is on its way to the moon, it's time we all join the Bitcoin community.🚀🚀🚀
I’m confused about the negative tax implications of VDHG.. could you please elaborate
Since VDHG holds managed funds inside of it, when investors sell down units of VDHG, it triggers a capital gains event and requires a distribution to be paid out to investors. This is bad tax-wise, as you would normally prefer to defer distributions in the form of capital gains, for as long as possible. Whereas if it was holding ETFs (like DHHF), this wouldn't occur due to their different tax structure vs. managed funds.
@@michael_ko oh alright. That’s good to know, thanks
Just to add. If you are in the lowest tax bracket because you are semi or full y retired then this is fine. However, if you are still working, distributions will be included in your total income for that financial year and thus the higher tax that you will be paying
@@satos1 thanks that helps
Thank you so much.
spaceship wants extra $2.50pm in fees. its not much but something, can you do a video on that next?
Great suggestion, so now I think that is in line with Raiz if I'm not mistaken. Interesting showdown.
Raiz is up to $3.50 I believe. And spaceship doesn't kick in till $100 dollar balance
@@TheRastacabbage $4.5 in Raiz
is it extra $2.5? I thought that's a replacement
3:06
Williams Donna Thomas Edward Rodriguez Patricia
Imagine not being on ody see LBRY platform.
Dhhf isnt a multi asset etf. It's all long equities! America has actual multi asset etfs. Ntsx, ntsi, gde, rssb rsbt.. Upar... Etc etc. Australian etfs are so lame it makes me sick.
I've been losing money from the recent dip on the stock market. Any ideas when it'll recover?