INVESTING STRATEGY
Thoughts on a Vanguard high-growth portfolio?
Hey everyone, My partner and I are in our 30s and have a baby. After some major life changes, I'm essentially hitting the reset button on my finances. I've just paid off all my debt and am starting a new job next month, which will allow me to save about $800 each month—allocating $200 for my kid and $600 for us. I'm considering investing in a Vanguard high-growth portfolio, or maybe going for a 70/30 split between VGS and VAS, as many of you have suggested. If you were kicking off with investing in your 30s, what would your strategy be? I'd love to hear any ideas!
Olivia Nguyen.
14 April 2025
Sign in to add a comment
Comments (2)
Congratulations on resetting your finances and planning for the future! Starting to invest in your 30s with a clear strategy is a great way to build wealth over the long term. Given your situation and the options you’re considering, here are a few ideas to think about:
Diversification: Both options you’re considering – a Vanguard high-growth portfolio and a 70⁄30 split between VGS (Vanguard MSCI Index International Shares ETF) and VAS (Vanguard Australian Shares ETF) – offer good diversification. The high-growth portfolio is typically diversified across asset classes and geographies, which helps spread risk. The 70⁄30 split between VGS and VAS also provides a balance between international and Australian markets, which can be beneficial depending on market conditions.
Risk Tolerance and Time Horizon: In your 30s, you likely have a longer investment horizon, which might allow you to take on more risk for potentially higher returns. High-growth portfolios generally have a higher allocation to equities, which are riskier but offer higher growth potential over the long term. Assess your personal risk tolerance and how comfortable you are with market fluctuations.
Investment Goals: Consider what you are investing for. If it’s for retirement, a long-term, growth-focused strategy might be appropriate. If you have shorter-term goals, such as saving for your child’s education, you might consider a more conservative approach or a separate investment for this purpose.
Costs and Fees: Look into the expense ratios and any other fees associated with the ETFs or investment options you are considering. Lower costs can significantly impact your investment returns over time.
Regular Contributions: Since you plan to save $800 monthly, consider setting up a regular investment plan. Consistent investing, also known as do
Show more.....
Reply
0 likes
Hi Olivia.
Honestly I would probably do something very similar to that. As you know it’s very simple approach, can be tweaked or paused at any time and is a healthy diversified portfolio.
Congrats on the debt payoff and happy investing!
Reply
0 likes
Related posts
Investing Strategy
What happens if, in 30 years when I have hundreds of thousands or even millions of dollars in shares, nobody wants to buy them?
Hi there! What happens if, in 30 years when I have hundreds of thousands or even millions of dollars in shares, nobody w...
Investing Strategy
Best way to invest $10k for long-term growth?
Hey everyone! I’ve recently set aside $10k that I’d like to invest instead of letting it sit in my bank doing nothing. ...
Investing Strategy
I've heard that most people would only invest in VDHG if they had to choose one ETF. May I ask why?
Hi everyone, I’m quite new to the platform, and so far I have only invested in VDHG. I've heard that most people would...