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Investment Strategy and ETF Allocation Guidance
Investing strategy
Hello Pearler Team, I’m new to investing and am focusing on building a long-term strategy for passive income to retire my wife early and potentially semi-retire or work part-time in the future. I’ve come up with the following ETF allocation, which I plan to invest $3000 into every 3 months, with automatic rebalancing: • VAS - 20% • VGS - 20% • VDHG - 20% • NDQ - 15% • VHY - 12% • VGE - 13% In addition to this, I plan to invest $2000 every six months into individual stocks (Amazon, Coca-Cola, and JNJ). Could you provide feedback on this strategy? Is the allocation balanced for long-term growth and passive income, and would you suggest any adjustments? Additionally, do you have any tips on automating rebalancing and keeping an eye on my portfolio’s performance? Thank you in advance Aashish Adhikari
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Superannuation has considerable tax benefits over investing in your own name, so don’t forget an allocation to that. Money you need prior to when you can start drawing super (60) is what you want in your own name. e.g. buying a house or drawing down on between early retirement and age you can access super.
My understanding is that VDHG is going to be duplicating many of your other holdings, so be aware of this.
If you are in accumulation, pearler automation does a wonderful job of getting to your allocation over time, and there is no selling required which is just additional cost. If the market throws a hissy fit over emerging markets causing your allocation to drop, then next purchase will buy them at the discount the market has presented for you.
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And additionally, Please give me pros and cons of this strategy.
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