I got so sick of the Commsec gouge. Make sure you do a tone of research and be confident in your strategy.I am a first time reader and I’m loving your posts!

I’m a bit of a newbie to all this.

is it assessing 40/30/30 split? You’re such a great writer and importantly, teacherThe ETF management fees are cheaper than going directly with Vanguard for the same product (unless you’re in the wholesale fund). They both own exactly the same portfolio, they are both part of the same portfolio.
I’ve heard that they do let you in sometimes with as little as $100K. And to be honest, Vanguard doesn’t really need to rely on a fancy website or app (they don’t even have an app ffs).

Cos I don’t see this reflected on your spreadsheet. I only use a broker for trades so I just go with the cheapest option that’s all.CBA is a more complete broker and gives you the option to trade internationally.

The NAV on the Vanguard website is $125.42 (When you buy that ETF you are essentially paying $165.62 for an asset worth $125.42. Works for me I guess.The support person indicated no preference at all, the underlying fund being the same, just the account handling and bookkeeping is done by Vanguard or Computershare and for reasons which still don’t make sense to me; Computershare is cheaper. What is the difference between the three? So my question is, now what? I have never signed up with Vanguard but check this out Hi Aussie Firebug, thanks for the great info – I have just subscribed for more! We are not financial advisors. I ran a three ETF system previously as well and I can say that the reason I personally moved to VDHG is just simplicity. Under VDHG: I tried to remove all personal info. I have used Commsec out of laziness. I would like to link to a video of the founder of Vanguard (Jack Bogle) and paraphrase him:“I couldn’t care less if an investor decides to go into the Vanguard S&P 500 ETF or the Vanguard traditional index fund. Shares are for the long haul, and I’m well into my seventies.

I also like the have the option of buying ETFs from other providers (like Betashares).

Any Tips? But you can buy the same ETFs of either platform.You might also consider Interactive Brokers (IB) if youThanks for the comment, Barry. I’m looking to buy 10k of betashare NDQ ETFs through selfwealth broker.Sharesight reports have everything you need in them. ETF management fees are taken from the fund automatically. I joined Self Wealth but couldn’t figure stuff out like how do you choose the DRP option and how can I buy $50,000 of it instead of X number of them.

Although the ETFs appear cheaper in terms of expense ratios due to the recent popularity of ETFs the cost to buy them are priced by the market.
I didn’t know there were such cheaper options out there. If you’re on the path to financial independence and follow a few bloggers as they save and invest their way to freedom. It really should not be this hard…Can you send a password reset on your current email?Sorry, should have updated… in the end I had to make two phone calls to Computershare (first guy was terrible, second guy was very helpful and got me sorted) but it’s still been quite frustrating. I also looked into SelfWealth and looks like they don’t trade internationally, does that mean you wouldn’t be able to purchase for example VTS and VEU through their platform?

So, if you already invest in VAS or VGS and little-to-no bonds or cash then by the investing definition your investment are already high risk or high growth.But at the same time, if you don't need to draw on your money for decades, then bonds are not as important and a 'high risk' portfolio with less bonds actually gives you a lower risk of ending up without enough money to last retirement. The BPay anytime for any amount without brokerage cost is appealing tbhI bought into a Vanguard managed fund. I asked them to email it to me and they said my email address isn’t registered. I sometimes say what I’d do in certain situations but I have to be careful with the word ‘recommend’. If you are not at this level (like me), then ETFs have a clear advantage.

Everyone is different, but $5K seems to be a popular amount people are willing to buy at to make the brokerage fee an acceptable amount.