Couverture de Q&A - ETF portfolio construction at 28: is 8.4% too low?

Q&A - ETF portfolio construction at 28: is 8.4% too low?

Q&A - ETF portfolio construction at 28: is 8.4% too low?

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An 8.4% return isn’t the problem; what drove it is. I’d struggle to justify active funds and a 0.76% fee over a diversified ETF.In this listener Q&A, I explain how to judge short-term returns, why active fund outperformance rarely lasts, and why Jack probably doesn’t need to pay an adviser to run around $420,000 across super and his trust. I’d keep his family trust and gradually move his direct shares across when the price suits. I’d also keep his property as an investment under the six-year rule and switch the loan to interest-only. Max asks if he can wind down at 44 with about $5.4 million invested. Spending around $180,000 a year is roughly 3.3% of that, so the bigger job is putting his cash to work. Tom is retiring in his early 60s with property inside and outside his SMSF. I’d lean towards keeping the SMSF property for the pension phase, selling one or two personal properties, and investing for growth rather than income. Josh asks whether a family trust still makes sense after the budget and how fast to deploy $450,000 of borrowing capacity. My answer is still the trust, with a bucket company added later, and a steady monthly amount that steps up if markets fall.00:35 Jack: Is 8.4% too low for a 28-year-old? 02:43 Why active fund outperformance rarely persists 03:38 What drove the return matters more than the number 07:52 Why value-aware portfolios can lag early on 08:50 Wrap platforms, EX20 and Australian shares at 28 10:05 Do you need an adviser for $420,000? 11:40 Shares in your own name and keeping the family trust 12:59 Rent or buy? Using the six-year rule 15:02 Switching the investment loan to interest-only 15:34 Max: winding down at 44 with $5.4 million 16:53 The missing number: how much you spend 17:27 Earning 6.5% after tax, and trimming gold 17:47 Putting $900,000 of cash to work 19:10 Tom: moving from work into retirement 20:47 Get as much as you can into super 21:29 Why property needs a flexible exit plan 22:27 Keeping SMSF property for pension phase 23:23 Selling one or two properties and investing for growth 24:19 Why I’d be careful with VHY 25:52 Josh: family trust and bucket company after the budget 27:37 The rollover election and the minimum 30% tax 28:18 Lump sum vs drip-feeding $450,000 30:00 Kids’ money: family trust over investment bonds 30:57 Coming up: how much insurance you needRelated episodes: Ep 430: Is financial advice worth it? What rules can’t fix. https://investopoly.buzzsprout.com/2005600/episodes/19923707-ep-430-is-financial-advice-worth-it-what-rules-can-t-fixEp 427: How to assess whether property and share markets are attractively priced https://investopoly.buzzsprout.com/2005600/episodes/19832497-ep-427-how-to-assess-whether-property-and-share-markets-are-attractively-pricedQ&A - Untangling a messy structure, cutting losses, and low-income investing https://investopoly.buzzsprout.com/2005600/episodes/19720854-q-a-untangling-a-messy-structure-cutting-losses-and-low-income-investingEp 429: How much do you need to retire & are you on track? Work it out here. https://investopoly.buzzsprout.com/2005600/episodes/19893951-ep-429-how-much-do-you-need-to-retire-are-you-on-track-work-it-out-hereQ&A - Deploying an inheritance, selling an average property, and funding a long retirement https://investopoly.buzzsprout.com/2005600/episodes/19832494-q-a-deploying-an-inheritance-selling-an-average-property-and-funding-a-long-retirementEp 403: Lump sum share market investing: risky or rational https://investopoly.buzzsprout.com/2005600/episodes/18951456-ep-403-lump-sum-share-market-investing-risky-or-rationalEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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