I don’t really like the idea of separating core and satellite into different broker accounts. The whole idea of core-satellite is to form a cohesive portfolio together. It’s far easier to manage portfolio balance when they are in the same account. Especially with Pearler, being able to just set the % of allocation for each etf and let it do its thing, essentially rebalancing at every scheduled share purchase.
@@vannie27 Imagine two investments which have the same average return over time but have different volatilities i.e. standard deviations. If the investment with the highest volatility goes down in the early stages of retirement (and you are withdrawing money to live on) you have a small amount of capital left from which to take advantage of the high returns it receives later. The sequence of returns matters a lot. You don't want highly volatile investments in retirement even if they produce high returns in the long run. And it is not just because it is a shorter time, it is because you are withdrawing money for your retirement
![🌱 ETFs: How to research and compare ETFs like VAS, STW, IOZ & more [ETF mini-series part 3]](http://i.ytimg.com/vi/wdjEI6gw7oU/mqdefault.jpg)
Great video, thank you!
Any chance you could please do one of the best ESG EFTs in the ASX & S&P500?
I don’t really like the idea of separating core and satellite into different broker accounts. The whole idea of core-satellite is to form a cohesive portfolio together. It’s far easier to manage portfolio balance when they are in the same account. Especially with Pearler, being able to just set the % of allocation for each etf and let it do its thing, essentially rebalancing at every scheduled share purchase.
I agree
Loved this video! Thanks for all the valuable research :)
Great content thank you.
The research i have seen indicates that if you are in retirement IVV has a larger sequence-of-returns risk than a world diversified ETF.
What do you mean " sequence of returns "?
@@vannie27 When the US markets perform poorly, exposure to the rest of the world and emerging markets has shown to reduce draw downs
@@wallysta yeah all over that thanks mate, just want sure if this terminology above
@@vannie27 Well, that's what I assume he meant...😂
@@vannie27 Imagine two investments which have the same average return over time but have different volatilities i.e. standard deviations. If the investment with the highest volatility goes down in the early stages of retirement (and you are withdrawing money to live on) you have a small amount of capital left from which to take advantage of the high returns it receives later. The sequence of returns matters a lot. You don't want highly volatile investments in retirement even if they produce high returns in the long run. And it is not just because it is a shorter time, it is because you are withdrawing money for your retirement
you guys doing a great job
🙏🏼
First comment!