INVESTING STRATEGY
~60% US ~25% AU portfolio recommendations
Hi, I’m in my mid-30s, new to ETFs, and looking for a long-term (20–30 years), low-fee, dividend-reinvesting portfolio. After doing some research, I'm looking to have ~60% US and ~25% AU and rest in other economies. I'm considering: - 65% DHHF for diversification and lower fees - 35% IVV for US exposure and low fees Since I'm already getting ~20% in Tech, I don't believe I need to add NDQ. Any thoughts or recommendations? Thanks!
Matteo Rossi.
28 October 2024
1 Comments
about 1 month ago
Hello,
It’s great to see that you’re taking a strategic approach to building your ETF portfolio with a focus on long-term growth, diversification, and low fees. Your plan to allocate investments with 65% in DHHF and 35% in IVV seems well thought out based on your goals and preferences.
DHHF (BetaShares Diversified High Growth ETF) is an excellent choice for diversification and lower fees. It is structured as an all-in-one ETF solution that typically invests across a broad range of asset classes, primarily focusing on equities. This kind of ETF is particularly suitable for investors looking for a diversified portfolio within a single investment, which aligns well with a long-term, buy-and-hold strategy.
IVV (iShares S&P 500 ETF), on the other hand, provides substantial exposure to the US market, which is known for its robust performance historically. The S&P 500 is widely regarded as a good indicator of the overall US stock market performance, and investing in IVV offers you low-cost access to the top 500 companies in the US. This can be a solid part of your portfolio, especially considering its low expense ratio and strong track record.
Regarding your decision not to include NDQ, which primarily focuses on the Nasdaq-100 Index (heavily weighted towards technology stocks), your rationale makes sense given your current allocation in tech through other ETFs. It’s important to maintain a balanced approach to avoid overexposure to a single sector, even one as dynamic as technology.
As you continue to build and adjust your portfolio, it might be beneficial to keep an eye on geographical and sector diversification, ensuring that your investments are not overly concentrated in specific areas unless it aligns with your risk tolerance and investment goals.
Pearler is designed to support investors like you who are focused on long-term wealth accumulation and retirement planning. The platform’s features, such as auto-invest and the ability to reinvest dividends, ali
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