This is the world’s simplest investment portfolio for Australians. VAS and VGS are two of the best index-tracking ETFs out there, and when combined with cash, they make a perfect 3-fund portfolio.
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▼ ▽ TIMESTAMPS
0:00 Intro
1:48 Portfolio Overview
3:20 My Rationale
7:15 Benefits
9:26 Portfolio Allocations
11:25 Alternative Options
▼ ▽ CONTACT
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Hi All, hope you enjoyed this video! FYI – Betashares have reduced their fees for A200 further to just 0.04%!
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Get rid of back ground music please. When you loose hearing as you get older it socks with back ground noise.
I mean buddy what in the world??!!
The way you explained cash and its importance as if it is going to grow itself, you gotta keep earning it.
So instead of telling people "let the food pass down through you esophagus" just simply say "please eat your food."
Cash is going to balance and help me buy things as if these are the financial literacy people do not already have. 🥲🥲
Hey Raymond, Speaking of cash…would you consider AAA? The dividend yield is relatively small but it pays dividends every month which is good, while risk is relatively low. Cheers
You’re not Australian
Delete this video
Hi Raymond, thank you for the information. I just decided that I want to start investing into s&p500 but not sure where to start, can you help directing to the website or broker that can help? Thank you
VAS is now 0.07% PA fee
Where to invest
Which brokerage is the best
Hi what do u mean by cash ? Cash means ? Plz
Hi, what about AFI for aus etf and VOO, VTI, QQQ, SCHD as international etfs?
Thanks
Your Aussie investment tips are my go-to. Any chance you could share your thoughts on Fuse Minerals in an upcoming video? Would love to hear how it fits into a simple portfolio like the one you've just outlined.
tbh 300 is a bit over diversified and the other 100+ are very small companies that make little difference, you can also go for asx200 IOZ and you would sit with very little difference except you pay less management fees
Simple is a no-brainer. Appreciate the explanation of fees and its impact over the years! Great video.
An excellent breakdown of simplifying investments using index tracking ETFs and cash. Your focus on VAS and VGS for diversified market exposure, coupled with the importance of cash as an asset, really demystifies investing for beginners. The point about low fees and the impact on long-term returns is particularly valuable. How often do you recommend reviewing and rebalancing this simplified portfolio?
Hi Raymond, nice video, I have two questions 1) As far as I know VAS is a good option when it comes to dividends but is it worth investing in VAS if let's say someone can only invest between $2-3K a year into VAS?
2) For VGS and IVV, I did some research and I can see IVV outperformed VGS but this wasn't the case in 2023, obviously past performance is not a guarantee for the future but for a long term investment do you think IVV is a better option than VGS when it comes to long term growth ?
Great video! I'm having a hard time deciding between ishares global 100 and VGS ETFs. 100 does have a higher MER but history has shown it has outperformed VGS. What are your thoughts?
awesome video Raymond, hope you are making more
Hey what's the best platform for this portfolio?
Great video! Ive JUST started investing and these are the two ETFs i had chosen so this video makes me feel good lol. So you recommend alterating buying one lot each month instead of splitting it each time to minimize fees?
do you like a small amount of nasdaq 100 to take advantage of the ai boom?
Have a question about etf, is there an extreme situation that after you hold your ETF for 10 years and then no one like to buy it from you when you want to sell it😅😅.
Thanks heaps for reenforcing my thoughts on this 😊
I don’t think anyone is retiring at 40-50 lol 😂
Very informative, have been pondering this combination for a while. Would you recommend going directly through Vanguard? Or some other platform? There are so many investment apps around, choosing one is confusing in itself.
However I doubt that VGS would be suitable for an Australian retiree with his/her SMSF in the pension paying phase, where the retiree needs income to live on. VGS only seems to pay around 2% p.a. on average (sometime slightly above and often below) with ZERO franking.
superfund 101
An alternative to VGS could be a combination of IVV and VEU.
when is the time to sell the etf?
can I ask with VAS shares being around $95 each, how many should you buy to start off? a single girl wage cant buy much LOL and is having say 6 shares worth doing?
Great video mate agree with your opinion on having cash
STW has 0.04 % fees with same diversification
Haha nothing like taking financial advice from a 20 year old 😂
Newbie here. When is a good time to buy these ETFS? As over time they should all go up, is right now as good as any? Or should we not buy at the peak?
Thanks for your excellent videos and hope to hear from you.
A200 plus QUAL ( much better 20 year annual return ) …qual fees is higher at 0.40 but better returns and investment thesis beats vgs 0.18 fees at long margin..vgs is diworsified
Understanding the stock market world is very complicated but if you want to have a good chance of increasing your wealth then it is worth understanding this would be good only for those who already have a high wealth e.g. you could just put in $100k+ that you have spare and want to further accelerate your wealth accumulation then what is stated here is fine but for the average this is a very slow lane approach most aussies don't have $10k available and doing DCA (dollar cost averaging) strategies is also very slow lane thinking. Sorry I just have the mindset that I want to enjoy wealth while I'm young enough to enjoy it i.e. live in the fast lane, the slow lane doesn't suit me. Really by doing this method you're just helping out some of the biggest companies in the world… they only bit I do agree with is holding some cash at least with interest rates up a bit some banks offer ok interest rates to put money into.
I'm surprised you didn't include VTS
I agree with you… I have the same investment portfolio VAS+VGS+CASH. It is simpler and I just invest and forget, I'm kind of a person who thinks there are more things to do out there than focusing in one thing, get stuck, and not moving on with life. I just live my life knowing I have investments, and cash to use anytime I want to go or buy something. My aim is very simple, 1 million investments, 1 million savings, that is just enough for me to retire on. Life is short don't make it shorter.
You're better off doing negative gearing and buying investment properties
you forgot to mention betashares mate!
I have VAS and VDGH. Should I just hold VDHG and cash?
Great breakdown! Adding Cobre could diversify even further. Would love to see it featured in your next video!
Agree 100%
We have gone for a 3 fund portfolio including 3 years of cash + Berkshire Hathaway class2 shares . Works
Raymond this is such a simple, clear and helpful video in a calm and easy way. I really appreciate your guidance 🙂
Hi Raymond , first time investor here would you suggest a one of Purchase and leave it for 10 + years or would you make another purchase when more money comes in ?
I'm not a fan of having a large allocation of the ASX and I find most people have home bias. Since Australian market only 3% of the world's overall, it would make more sense to invest 5% or less in the portfolio.
I'm not completely against VAS. I'd suggest to increase VAS allocation as you grow older. ASX tends to pay higher dividend which fits really well with FIRE.
But if you are 50 years old or younger, put more of your money into VGS. It performs better overall.
Great info, made it simple for non financial people 🙂
Hey Raymond,
Just came across your video on ETFs. I am looking to invest with Vanguard VAS and VGS. Found your video to be very informative and have subscribed to your channel (will check out your other videos over the coming days).
I am just curious whether you are holding the investment with Vanguard under your personal name or some form of trust structure? Please be assured that this will not be considered or taken as advice at my end.
Thanks.