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I am 51 and currently have in my portfolio VGS, VAS and NAB. I was given NAB shares in 2008 and just kept them. I was thinking of adding SOL (LIC) and VHY (ETF). I believe having this mix would add more diversification/ growth (SOL), dividends (VHY) and be tax effective through franking credits. All will be DRP and DCA until my early sixties where I could use the dividends.

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Brendon

Asked on 13 August 2025

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David Horton

Investor

Tue, 19th August 2025

Depending on when you got NAB in 2008 you could be on a big capital gain if you were to sell. So consider how much you sell in any year against you income and whether you want to hold off until retirement. That said, it is on a good dividend yield and 100% franked, so provided the business doesn’t look risky there is no compelling reason to sell in my opinion.

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