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  1. #21
    Senior Member
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    I really like these sort of threads. I've started a couple of them in the past and found that often it spurs conversation about issues related to the original subject.

    People can end up saying some not-quite-relevant, but thought provoking things. You've probably helped someone by starting this thread without even realizing it.

  2. #22
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    Oct 2013
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    Totally agree Lewy - the snippets of investment advice that people come up with every now and again are priceless. But also worth making sure people don't get too sidetracked!

  3. #23
    Junior Member
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    Dec 2015
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    This is not exactly based on Smartshares, it is based on Superlife but in the same vein as the original question. The only two differences are Gemino and Superlife 100 are not available via Smartshares. This is a 60/40 mix of NZ vs rest of world.

    Fund Allocation
    Gemino 5.0%
    NZ Shares Fund 15.0%
    NZ Property Fund 10.0%
    Superlife 100 15.0%
    NZ 50 Portfolio 15.0%
    Total World ETF 10%
    US Growth 15%
    US Value 10%
    Asia Pacific ETF 5%

  4. #24
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    Quote Originally Posted by heisenberg View Post
    Long term capital sum. Income not required whilst still working day to day. More of a nest egg for retirement.
    Don't all the smartshare funds reinvest dividends automatically?

    Thus the income is effectively capital growth.

  5. #25
    Guru
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    May 2015
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    Quote Originally Posted by unhuman View Post
    Don't all the smartshare funds reinvest dividends automatically?
    Absolutely not, I receive a cash dividend from my ASF shares, although of course you have the option to reinvest automatically

  6. #26
    Advanced Member
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    chch, , New Zealand.
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    Quote Originally Posted by heisenberg View Post
    You have been gifted 100k and have to invest this in the current smartshare offerings.

    Your goal is for long term growth over 20+ years rather than a source of income. How would you divide up the 100k among the various smartshare funds?
    I would just open up all of them with 1000 dollars in each, then set up automatic payments to add 200 dollars to each at the end of every month. Think there around Twenty of them so after a year or so you would be fully invested.
    Alternatively just ignore all the ones focussed on NZ and Australia to give yourself more external diversification
    Last edited by ratkin; 04-05-2016 at 05:00 PM.

  7. #27
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    Quote Originally Posted by Harvey Specter View Post
    I would probably drop the bond and put more into property. And maybe a bit more focus on midcap that the ozzy 20 and NZ10 in those markets to give better diversification and to try and catch winners on the way up (they probably get losers on the way down to unfortunately).
    yeh those are the thoughts that crossed my mind but ended up not selecting. bonds act as a stabiliser which property doesn't. so its a risk decision, and in this portfolio, there's already a lot of market risk, gotta reduce that correlation somehow

    And, I did cover myself by saying
    if one delved a bit deeper or had more to work with one could consider some of the mid cap options
    And thanks for the points Heisenberg
    He-Heisenberg-T-Shirt.jpg
    For clarity, nothing I say is advice....

  8. #28
    Ignorant. Just ignorant.
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    Too expensive.

    0.3% management fee on top of the Vanguard fee for the S&P500 fund.

    Makes it a non-starter. Cheaper to DIY directly into the Vanguard fund.

  9. #29
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    Quote Originally Posted by GTM 3442 View Post
    Too expensive.

    0.3% management fee on top of the Vanguard fee for the S&P500 fund.

    Makes it a non-starter. Cheaper to DIY directly into the Vanguard fund.
    But then subject to FDR on overseas investments. Plus costs involved with investing overseas (overseas bank/broker or custodian needed?)

  10. #30
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    Sep 2007
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    FDR applies also to funds but they have paid it.

    HS good advice but by direct do you mean thru vanguard australia or etfs on the asx.

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