Personally I use DHHF. I deliberated for a long time and got paralysis analysis. In the end the more I thought about it the more I realised I was better off putting more time into growing my business than wasting my time on finding the perfect mix of etfs. Great video!
Brilliant video I'm thinking VDHG as he said the 10% defensive allocation can help in trickier times. And vanguard is tried and tested though DHHF with those low fees look hot. All up really depends on how risky your feeling.
Why not use the underlying assets of DHHF to work out how it would have performed if it existed for 10 years. This is do-able/possible. Then its historical performance could be directly compared to VDHG.
No mention of yearly Capital Gains events from VDHG re-balancing? Rebalance=Sell= Capital Gains. A huge amount of talk online in the Australian Finance community on this topic. And having to write a big check to the tax man every year once you start accumulating a lot of VDHG. Would've liked to hear a bit more about that.
Me too. I got into VDHG before DHHF was released, but I'm more and more interested in DHHF due to the CGT associated with VDHGs rebalancing. I'm not sure if I should sell down my VDHG and move it into DHHF, or keep it and start fresh with DHHF 🤔
@@riacaasi5259 I'm not invested yet. Just about to jump in though when I move over from Canada with my Aussie wife this year. Is the CGT hit pretty substantial from the rebalance and the distributions? Is the distributions generally enough to cover?
@@camistheman25 honestly I don't know. I do dividend reinvestment and my accountant has never mentioned the CGT on VDHG being a concern. It's only through FIRE groups that I've heard about this being an issue when comparing to DHHF. For reference VDHG is my largest holding at about 55% of my share portfolio and I've been invested in the fund since 2018. But I will be having a chat to him about it come tax time.
Great video Glen. I’ve started investing in VDHG this year on my 28th birthday. In it for the long run for retirement and to leave money for my unborn seed. Love your content mate 👍
Don't like VDHG because it is tax inefficient because it does not invest in ETFs. With VDHG you will be getting higher distributions and paying tax on them, lowering overall growth. Either VAS/VGS or DHHF is probably equally as good. You get lower fees with VAS/VGS but you miss out on emerging markets that way. Personally, I went with DHHF. Don't like BBGL, as VGS is better because VGS has higher returns despite slightly higher fees because it lends its stocks to margin lenders. In fact, because of this, VGS basically gets exactly the same return as the MSCI.
I invest in vdhg, issue for me is they only invest into their own EFT's. Is it because they obviously thing their EFT's are better or they are reinvested into themselves. I think it's both. So my thinking was if they only have confidence in themselves I can't argue with that from a financial perspective. They know all their numbers so yh
I'd say a larger proportion of our generation is less concerned about their future than previous generations. Most people in our generation are subscribed to funny RU-vid shorts 'ha ha.'
