Hi I'm Sanjee! This channel is dedicated to talking about simple finance and investing tips for Australians of all ages. I studied Engineering and Commerce at university and none of that really helped when it came to personal finance (if I'm being honest). Over the years I've made a few mistakes and learnt quite a lot along the way and this channel is me trying to share those learnings to you guys. Hope you guys enjoy these videos and always feel free to leave a comment!
The information on this channel is general information only and should not be taken as constituting professional advice. I'm not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances.
Can you please explain me how Commonwealth Bank for as fun to buy share for example if I have AU$1000 but I still can buy AU$2000 shares how that is possible is that provide us bank is interest charges anything like that fees? Thanks
Have dividends and growth, then when you’re approaching 60, sell growth and put money into HISA (to protect from market fluctuations) or move to Super (tax benefits). How about that?
This was fantastic thank you, Informative and to the point with no nonsense or flaff. So much flaff and bs on RU-vid especially when it comes to investing. I can understand why large accounts invest in bonds for long term security but surly if you don’t have millions of dollars a 5% online savings account is about the same plus you get liquidity of being able to withdraw your money. So Cash and real gold etfs are good enough hedges against financial downturn unless you are operating in the millions? The bond is fixed at % per year right, but only like 4% at the best?
Awesome picks! I love SCHD, I really think the way to go is to add the growth separately, like a VGT or Individual stocks like AAPL and MSFT while keeping SCHD as the core holding.
Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. It's good to have a diversified portfolio. Over the past two years, my initial deposit of 170K has grown to 890K👌Cheers
I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I’m invested in equity index funds, ETFs and various high-quality stocks and use a CFA. On average, she takes 10% off earnings, but using *Lina Dineikiene's* system makes it much more hands-off. I conservatively follow her recommendations and market entry and exit points, and tbh this makes it possible for me
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@Elliot-Ivan The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Sanji, most dividends are only paid out twice or four times a year, not monthly, correct?? So if your relying on a dividend retirement you only get paid twice a year??
From my understanding, because at first investors invested in the share price of the company with the cost = 10$ and knew they would receive 2$ tomorrow so their total investment would be -10 + 2 = 8$. While the investors purchase shares at ex-dividend date, they would not receive any dividends so in order to compensate for them, the stock price is adjusted to decline equal to the value of dividends. Therefore, they just purchase shares at 8$ without receiving 2$. Is that right ?
Hi Sanjee, great video as always. Would you recommend if you have to choose one ETF would it be VDHG or VAS+VGS to invest on behalf of children, with a long term horizon. Thanks
Always a pleasure to see an erudite man scientifically follow through with many of our thoughts. Have you considered our ROE (“return of effort”) compared with a simple purchase of VAS for a simple investing strategy? Irrespective, I believe we are focussed on the right process for the best outcome for an epic retirement my friend.
Sanjee are you gonna cover vanguard super again? I’ve recently joined and I like the functionality of seeing your combined portfolio of super and personal investor in one platform
Very well explained and easy to understand. Thank you Sanjee. When I look on the BUY (PLACE ORDER) page now there are percentages under ORDER TYPE. Do you know what the percentages are for?
Looking at this graph I am assuming that 'Risk' is the variation (or standard deviation) in the amount of return you are getting over the year. For example, you could have a $100 dividend every quarter from the first ETF or $10, $40, $70, and $300 from the second ETF. The first has a standard deviation (or risk) of zero but returns $400 over the year. However, the second has more variation than the first but returns $420. Therefore, in my view the risk of inconsistent returns does not carry an equal weighting as the total return - unless for some strange reason, consistency of return is more important to the investor than total return. Therefore, based on this graph, VGS alone performs better than every conceivable combination of the two ETFs and I would not bother with VAS at all unless for reasons not specified in this video.
I’m moving away from VAS because of the overweight of the banks with little growth potential. Not that keen on the concentration of the materials sector either
I think you need to read a study or two on risk. You should be invested in higher risk assets. I'm 51 and still aggressively invested. The only reason you'd be slightly conservative is because you intend to buy a house with some of it. Such a great idea maxing out concessional contributions-wish I'd started earlier. If you max out your contributions for 20 years you will have over 1.3 million. Thats assuming a real return of 7% (if you aren't getting 10% returns you really need to change funds). !!!! There is plenty of advice around encouraging young people to opt out of 'balanced growth ' funds, for this very reason. I'm not sure what it is about Australian finance content, but usually its overly conservative and dated. Love the style of the videos. (fellow Australian btw-Melbournian to boot).
You CAN USE google finance to compare between stocks ON CHARTS. I have had 5 at once. I used it so much I downloaded the app which just runs thru Chrome. It's essentially just chrome running their website version.
Is it actually $0 fee each day under $1000 ?? For the same ETF or stocks? Or is it only the 1st but up to $1000 portfolio and as soon as your ETF more do you need to pay $11 per trade?
Hi Sanjee, thanks for another great video. Just wondering with BRICS/dedollarisation/ and its new currency - do you think hedged will be better going forward for long term aussie investors? Cheers!
