Set and Forget ETF Similar to Super

[Deactivated] on 28/06/2025 - 12:38
Last edited 29/06/2025 - 12:42

I’ve currently been doing most of my investing through super as I appreciate the ease and stability that the high growth option in Australian super gives me.

However now I’m going to concentrate on investing outside of super largely in part due to the super tax that labor is implementing.
However, when I look at lots of different ETFs they seem extremely volatile compared to the high growth option in Australian super or many other super funds for that matter. I presume a lot of it is diversification through unlisted assets.

Just wondering if people could recommend a high growth option that gives around 10% a year similar to what super has been providing and where it generally goes up consistently unlike a lot more volatile ETFs.
The best I found so far appears to be ASX IVV which is S&P 500 hedged.
It’s a shame there’s not a super fund that also offer ETF or managed funds. I’ve looked at Vanguard but things like Vanguard high growth looks just like a rollercoaster.

I appreciate a few people below who did actually answer the question and provide useful advice. However, there are a lot of trolls or presumably old idiots who provided their comments and judgements without actually understanding what’s being asked.

Financial

Comments

  • EightImmortals on 28/06/2025 - 12:58

    Stockspot.

    • [Deactivated] on 28/06/2025 - 19:49
      -2

      Thanks, one of the only comments that actually answer the question. From what I read it seems pretty secure as you own the underlying security.

  • Jaduqimon on 28/06/2025 - 12:58

    Stake smsf. 990 per year fee. Choosing your own investments.

    • [Deactivated] on 28/06/2025 - 13:51
      +1

      I guess what I’m saying is I want to go the other way use outside money and get super like returns.

      • Jaduqimon on 28/06/2025 - 13:55
        +3

        i doubt your super high growth option has beaten the S&P 500 or NASDAQ in the past 10 years. so just invest in those ETFs IVV/NDQ

  • SYLTB on 28/06/2025 - 13:03
    +5

    due to the super tax that labor is implementing.

    You are already saturated in super and income, in other words you are one of ~80,000 (> $3 million super balance: will be taxed at 30%) amongst ~22 million taxpayers (<$3 million super balance: taxed at 15%) so that's fair you need to pay 15% more tax.

      • Aureus on 28/06/2025 - 14:55
        +10

        People who earn less then $45k can pay less than 15% in CGT after discount. I don't imagine people on less $45k are worried about getting taxed if their super goes over $3000000

        • [Deactivated] on 28/06/2025 - 19:53
          -4

          45k?
          Huh.
          Perhaps u haven’t heard of the CGT discount?

          • Aureus on 28/06/2025 - 20:20
            +1

            @[Deactivated]: Income over 45k is taxed at 30%. With 50% cgt discount that is 15% effective tax.

            • [Deactivated] on 28/06/2025 - 20:27

              @Aureus: As mentioned above the idea is that you drip sell your shares / etf’s in retirement so when income is zero. The idea is in retirement i may have millions in super and be able to offload the out of super assets and achieve less than 15% cgt.
              Also u haven’t taken into account the fact that tax rates are marginal. I.e. someone on 45k pays a much less average tax than 30%

              • Aureus on 28/06/2025 - 20:48

                @[Deactivated]: I have taken in to account that tax rates are marginal, that is why I said "Income over 45k is taxed at 30%"

                You plan to have $12 million at retirement, mostly out of Super, and plan to sell a only a tiny amount every year to keep your tax low. It doesn't make sense to me.

                IMO if you have never made nonconsessional contributions and have no plan to, just max out consessional contributions, take the tax break and in time we will get clarity on indexing.

                • [Deactivated] on 28/06/2025 - 20:53

                  @Aureus: No the 12 million figure would be mostly in super. That is if i work to 65, so it is a maximum.

    • Universal Constant on 29/06/2025 - 13:32

      From your comment, to be consistent you must agree that the vast number of people with million dollar houses that pay ZERO CGT must be forced to pay CGT also?
      Also the vast number of people on the old age pension with million dollar houses that are not assets tested. Don't forget the old age pension is a NEGATIVE tax from taxpayers that have paid tax for these millionaire pensioners.

  • DingoBilly on 28/06/2025 - 13:12
    +16

    You're changing your investment strategy so you get taxed up to 45% outside of super instead of a potential 30% max?

    Seems stupid.

    Generally people recommend things like vdhg and dhhf, or a mix of vgs/vas and bgbl/a200.

    Also generally etfs will outperform any high growth option in super.

    • [Deactivated] on 28/06/2025 - 13:53

      I think everyone forgets about the CGT discount and remember you only pay tax when you sell so if anyone’s got half a brain they’re gonna sell when they stop working and don’t have an income and end up paying much less than 15% tax.

      • Jaduqimon on 28/06/2025 - 13:56
        +1

        are you still maxing out your concessional super contributions tho? as in what you're asking is the extra non-concessional $ you would have put into super now switching to invest outside super right?

        • [Deactivated] on 28/06/2025 - 14:01
          -1

          I’ve never made nonconcessional contributions.

          • Jaduqimon on 28/06/2025 - 14:03
            +1

            @[Deactivated]: ok then you're not working with a lot of $ each year if you're only counting the concessional so just pick anything really.

            and also without knowing your current marginal tax bracket (assuming its at top), isnt it still better to maxout the concessional contribution each year anyway as you get taxed 15% rather than the 45% outside so you have more capital to invest inside the super than outside.

            • [Deactivated] on 28/06/2025 - 14:06
              -1

              @Jaduqimon: Lol people make so many assumptions on here.

              • Jaduqimon on 28/06/2025 - 14:09
                +6

                @[Deactivated]: lol well you said you will have 12mil in super at current trajectoery by the time you get to retirement age so i assumed you are a high income earner which is not unreasonable? lol

              • [Deactivated] on 28/06/2025 - 14:09

                @[Deactivated]: If I could find something outside of super that I was convinced was as safe and dependable as Australian super high growth. I’ll be putting a lot more money in each year than just the concessional topup.
                Perhaps not, while you don’t get that instant tax deduction, You do end up paying extremely low tax outside of super due to CGT discount and selling them when you retire. Short-term gains versus long-term gains.

      • mskeggs on 28/06/2025 - 15:30

        You mean when you could take it out of super as a lump sum? Good strategy!

        • [Deactivated] on 29/06/2025 - 08:48

          No, I don’t mean that. Not sure what you’re talking about.

    • [Deactivated] on 28/06/2025 - 14:16

      The next issue I have is a lot of those ETFs are quite new and I know many ETFs close and get liquidated there by creating a CGT event which kills my plans of wanting to liquidate when I’m not earning an income in retirement.

  • HardQuiz on 28/06/2025 - 13:13
    +3

    the super tax that labor is implementing.

    Can you explain it to us and tell us if it applies to you or not.

    Thanks

    • SYLTB on 28/06/2025 - 13:38
      -4

      See my above post. Yes, it will apply to his super that's why he is looking for other investment options.

      • HardQuiz on 28/06/2025 - 13:43

        You assumed it applies to them.

        I want the OP to tell us if it applies to them or not.

        • SYLTB on 28/06/2025 - 13:49
          -2

          He already said it applies to him: "now I’m going to concentrate on investing outside of super largely in part due to the super tax that labor is implementing".

          • Jaduqimon on 28/06/2025 - 13:58
            +2

            @SYLTB: i think he means more like "by the time i reach 60yr old, i will have surpassed the 3mil threshold given the current trajectory"

        • [Deactivated] on 28/06/2025 - 13:57

          Not currently, If I continue on my current trajectory of maxing out my concessional contributions as I have for the last 10 years and assuming 8% returns (australian super has achieved 10% over last 10 years)I’d have approximately $12 million by the time I’m 60.
          I’ve decided I probably should stop making voluntary concessional contributions, whether or not WW3 occurs, or famine etc, there is a pretty good chance that I’ll exceed the 3 million cap.

          • soan papdi on 28/06/2025 - 17:40
            +2

            @[Deactivated]:

            Not currently, If I continue on my current trajectory of maxing out my concessional contributions as I have for the last 10 years and assuming 8% returns (australian super has achieved 10% over last 10 years)I’d have approximately $12 million by the time I’m 60.

            If current balance is $2.2m and you contribute $2500/mo for 20 years, assuming 8% growth, your super will hit $12.3m. Assuming inflation is 3% (so effectively 5%/yr growth), your real-value balance in 20 years will be $6.995m
            Play here: https://moneysmart.gov.au/budgeting/compound-interest-calcul…

            As per https://www.smsfalliance.com.au/div-296-calculator/
            - if your balance rises from $3m to $3.1m (including growth and 30K concessional), your effective Div296 tax is $360.95
            https://files.ozbargain.com.au/upload/56747/122535/div296.pn…

            You can do the sums for 12m too. It's an incredibly small amount compared to your Super balance. Are you willing to jump through so many hoops to avoid such a low tax amount?

            • [Deactivated] on 28/06/2025 - 18:09
              -3

              @soan papdi: Yeah, but unfortunately inflation is not relevant here because the 3 million isn’t indexed

              • soan papdi on 28/06/2025 - 18:13
                +3

                @[Deactivated]: You’ve ignored the main point. The div296 tax is minuscule compared to the super balance and your comment is about inflation. SMH

                • [Deactivated] on 28/06/2025 - 18:17
                  -3

                  @soan papdi: My comment is about it not being indexed. They are odd numbers, if I had 3 million the next year with 9% growth it would be 3.27 million ( just based on growth, costing 40k on tax and that is just the first year above 3 mill.

                  • soan papdi on 28/06/2025 - 18:19
                    +8

                    @[Deactivated]: And your tax would climb to a massive $500 or something. Is that really your concern when you have $3m? The point I’m making is, everyone is buying into this scare campaign about div296 when the tax itself is quite small. I actually feel it hasn’t gone far enough to tax the wealthy.

                    • [Deactivated] on 28/06/2025 - 18:24

                      @soan papdi: Huh? In the first year after 3 mill the tax would be $40,000

                      • SBOB on 28/06/2025 - 19:28
                        +4

                        @[Deactivated]:

                        just based on growth, costing 40k on tax and that is just the first year above 3 mill.

                        Do you disagree with the maths on that div296 calculation page? Can you explain how these values for potential div296 using your example $ values are incorrect?

                        From zero contributions, purely 'gains' in a year from 3 to 3.27 million
                        https://www.smsfalliance.com.au/div-296-calculator/

                        There is a Div 296 tax liability.
                        Adjusted Total Super Balance: $3,270,000.00
                        Starting Total Super Balance: $3,000,000.00
                        Growth: $270,000.00
                        Percentage of Growth which is taxable: 8.26%
                        Taxable Growth: $22,302.00
                        Tax at 15%: $3,345.30

                        This site also gives an example table,

                        https://www.superannuation.asn.au/media-release/asfa-fact-sh…

                        • [Deactivated] on 28/06/2025 - 19:34

                          @SBOB: I see , sorry you are correct. Will take a few years post hitting the 3 million cap until the tax is significant

  • SBOB on 28/06/2025 - 13:20
    +7

    outside of super largely in part due to the super tax that labor is implementing.

    Absolutely agree.
    Why pay lower tax over the life of my super investment, on both contributions and earnings, with the potential for some additional tax on balances over $3 million in the future, when you could just guarantee paying higher tax outside super now, on every $.
    It's clearly madness

    they seem extremely volatile compared to the high growth option in Australian super

    You mean compared to the fund with unlisted assets allowing them to value them and smooth out swings that purely stock based portfolios would have

    You may want to do some decent reading of investment forums or similar content before making financial decisions with your current 'understanding'

    Either way, CMC market, buy dhff and chill would be the simplest one liner, for $1k or less per day investing, if you want set and forget.
    Already diversified single portfolio option, with a high growth aim for long term investment

    • [Deactivated] on 28/06/2025 - 13:50
      -3

      Perhaps you may want to understand how basic tax is applied to investments outside of super, I think the bit you’re forgetting is the CGT discount. When factoring that in the tax 15% tax in super is similar to the effective tax rate you’ll pay outside of super, super slightly better because you do get partial CGT benefit inside of super.
      However, an extra 15% on top of that with no CGT discount will massively create a huge cost in tax, when super will get to those sorts of levels, as they sit quite low.

      • SBOB on 28/06/2025 - 15:57
        +7

        As someone who owns etfs both inside and outside super, I understand how tax applies in both areas.

        You're actually paying CGT actively currently with your chosen Australian super high growth fund. It's a pooled fund and paying CGT as part of its allocation. From your posts I think I'll stick with my 'understanding' over yours.

        • [Deactivated] on 28/06/2025 - 19:39
          -2

          Didn’t say I’m not. I’m just saying that when you own etf’s outside super tax is generally paid when u sell them.

        • mrvaluepack on 29/06/2025 - 09:04
          +2

          Don't waste your time explaining to a confident uninformed person. There are just people that get it and people that don't.

      • mskeggs on 28/06/2025 - 17:32
        +3

        OP, what tax is paid in assets in pension phase super? What CGT is paid on accumulation pgase super assets held over 12 months?
        What tax rate can you be on that paying discount CGT is advantageous? Less than $18k? Seems incredible that someone projecting $12m in assets is expecting income under $18k.

        • [Deactivated] on 28/06/2025 - 19:43

          Not super, investments like shares or etf’s, tax is paid on sell. From my understanding super pension phase income isn’t taxable. Therefore if I have investments outside of super, once retired my income is zero and can offload the assets outside of super slowly, to ensure effective tax rate would be in single digits.
          Also a good way to retire earlier at say 50 before can access super etc.

          • mskeggs on 29/06/2025 - 11:22
            +1

            @[Deactivated]: Best of luck.
            If you own shares or etfs outside of super you can only buy them with money you have paid tax on at your marginal rate, and dividends will be taxed at you marginal rate.
            When you sell, half the gain is taxed as ordinary income.

            If you invest in super, you can make contributions taxed at 15% and income is taxed at 15%. When you sell, gains are given a 33% discount.

            Your worry about having over $3m means that maybe the extra gets taxed at 30% and you may face gains taxes. Let’s see what gets written into law. But even so, your tax bill out of super is higher at the start, as you pay more tax on the original purchase, higher all the way through as any income is taxed, and then similar when you sell, admittedly lower for the first $18k if you have no other income.
            But if you are over 60, you can withdraw all the money over $3m each year as a lump sum.

            The only potential benefit from a tax perspective is if you can accumulate $3m of assets in super well before you turn 60 and also accumulate enough assets outside super to live solely on those.

            I appreciate your projections that if the greatest bull run ever happens to keep going for just another 30 years this will be topical, but your plan guarantees you pay tax now on the hope you will amass enough assets to possibly save some tax for a few years just before you turn 60, if nothing goes wrong.

            • mrvaluepack on 29/06/2025 - 11:45
              +2

              @mskeggs: Don't waste your time explaining to a confident uninformed person. There are just people that get it and people that don't.

  • onetwothreefour on 28/06/2025 - 14:21
    +1

    In Australian Super you have the option to invest your super in Australian and international markets. These two options are the equivalent of VAS and VGS. So if you want to invest in something similar to super but not actually in super choose these two options.

    • [Deactivated] on 28/06/2025 - 14:24
      -6

      I think you’ve confused the Australian super premix high growth option with the DIY Australian or international share option.

    • SBOB on 28/06/2025 - 15:59
      +3

      In Australian Super you have the option to invest your super in Australian and international markets

      You have an even better option of members direct and can buy the likes of vas, vgs etc directly, be not part of a pooled fund, and not carry the CGT drag that pooled funds do

      • onetwothreefour on 28/06/2025 - 22:41
        +1

        Oh I didn't know about this, I will have to look into it.

  • mskeggs on 28/06/2025 - 15:33
    +5

    You are very mixed up.
    But I applaud your idea to keep your wealth outside super as a taxpayer.
    Depending on how you wish to make the investment (e.g. once a year, or every pay period) one of the Vanguard mutual funds might be suitable.

    • soan papdi on 28/06/2025 - 17:22

      AFAIK Vanguard AU does not offer managed funds unless it was already opened 4-5 years back. Only ETF but no brokerage if purchased direct via Vanguard.

      • mskeggs on 28/06/2025 - 17:28

        I suppose if OP is adding thousands per quarter, the brokerage is trivial.

      • fredblogs on 29/06/2025 - 21:23

        Vanguard AU have managed (non ETF) funds, I invest in them regularly

    • [Deactivated] on 28/06/2025 - 19:47
      -3

      I think you are the one who is mixed up, your comment above had nothing to do with this scenario?

      • mskeggs on 29/06/2025 - 11:31
        +2

        You asked for an investment similar to super. A mutual fund is the precise investment that pre-mix super is, right down to the ability to contribute regularly with no brokerage.
        Soan papdi corrected me that one mutual fund, Vanguard, who are known for the lowest fees, are no longer taking new customers in Australia for that product.
        They have their index tracking funds available as etfs, so if you batch contributions the brokerage will be low enough not to be a drag.

        The mixed up comment is because you are not accounting for tax paid on income at your marginal rate on the initial investment and on dividends when you think about CGT discounts. When you see returns from super they are quoted after tax, when you see returns from an etf or mutual fund, they are quoted before tax. You will struggle to be able to earn an income from work to be able to have money left over to invest, and also be able to avoid paying high marginal tax rates on your investments outside super.
        This is why super is such a good lurk that they are changing the rules for high balances.

        • [Deactivated] on 29/06/2025 - 12:08
          -3

          Correct, I’m not really accounting for that because as mentioned above the plan is to save for retirement (or earlier retirement at say 50).
          Sure have to pay tax every year on the dividends, however it appears most high growth etf, have very low almost tokenistic dividends. Most of the return is capital growth and hence the tax burden arrises once you sell. Plan is to offload in small chunks when my income is zero so the effective tax I would pay would be in single digits.

          Compared to not doing any of this and going all in on super, where Tax rates are somewhere around 30% or so (above 3M) with this new law.

          • mskeggs on 29/06/2025 - 12:14
            +1

            @[Deactivated]: The tax rates are exactly at 15% under the new law for the first $3m. No need to get worried about that changing.
            The tax rate on your work income is over 30% if you are earning enough to make $30k p.a. super contributions.
            How are you going to get to $3m inside super, plus enough to not work in your fifties (another $1.5m?) in the next 20 years?

            Your numbers become possibly subject to some extra tax if you max out contributions, but how will you do that if you need to save ten years income in the next 2 decades and also put $600k into super?

            • mskeggs on 29/06/2025 - 12:19
              +2

              @mskeggs: There are big vibes of the Simpsons kids:
              "Hey, look how much Skinner makes. $25,000 a year!" "Wow!" "Let's see. He's 40 years old, times 25 grand. Whoa! He's a millionaire!".

  • Gdsamp on 28/06/2025 - 15:57

    Super

  • star-ggg on 28/06/2025 - 21:45

    Vanguard and Betashares have the balanced, high growth, high income etc. etfs similar to super fund offerings. Although the large super funds have the ability to invest in private infrastructure assets and I'm not sure if the ETFs can do the same.

  • BigBirdy on 29/06/2025 - 08:22

    The >$3M super tax is not indexed, but PAYG tax brackets are also not indexed, yet every few years the govt legislates new PAYG brackets to deal with bracket creep. Even if the govt doesn’t change the super tax bracket, it is still likely to be much lower tax than on earnings outside super, and when you retire you can always withdraw a lump sum.

  • mrvaluepack on 29/06/2025 - 09:00
    +1

    However now I’m going to concentrate on investing outside of super largely in part due to the super tax that labor is implementing.

    Do you actually think you can reach >$3M in super by the time you retire? If so, congrats, as you will be considered top 5% in Australia. Although i highly doubt so looking at the logic of your post but good luck anyway.

    If you still really want to invest outside of super, just buy ASX:VDGR etf and forget about it. Its almost the same as a balanced super fund.

    • [Deactivated] on 29/06/2025 - 09:06
      -1

      Yeah easily.

      I might be missing something, but when I look at VDGR as well as a few other ETFs based on the performance over time they look shocking.
      In early 2018, it was worth $67, then it crashed the five dollars in 2019. And now it’s at $64.
      Surely I’ve gotta be missing something as on paper it seems like it just loses money?

      • mrvaluepack on 29/06/2025 - 09:13

        Are you currently under 40 and earning $200k PA? If so congrats.

        In early 2018, it was worth $67, then it crashed the five dollars in 2019. And now it’s at $64.
        Surely I’ve gotta be missing something as on paper it seems like it just loses money?

        Lol, you had the same question as my teenage sibling who was just starting out. You are only looking at capital (price) gains, you have to take into account dividend distributions as well which are not shown on google or other stock charts.

        • [Deactivated] on 29/06/2025 - 09:21
          -1

          Yeah and close to that.

          Yeah, looks like it’s about 3% div yield, not sure if it makes up for the terrible performance in terms of capital gains. I’m surprised they call it a high growth. I’m not sure why it’s so hard but it seems difficult to replicate Australian super or even rest super’s high-performance option outside of super. Seems like an untapped market for people who just want easy set and forget options.
          So far either Stocksport or IVV is the best I’ve seen.

          • mrvaluepack on 29/06/2025 - 09:37

            @[Deactivated]: Sorry i made a mistake, should have said under 30 and $200k. Because at under 40 and $200k it will still be unlikely to be >$3m in super.

            Where are you getting the 3% yield number from? The distributions are averaging 5.5% while capital growth is 2.2% which is ~7% overall return.

            No offence but based on your replies, i highly doubt you are going to reach >$3M super before you retire, you should just dump as much into super while you are still young and planning to live in australia forever.

            • mskeggs on 29/06/2025 - 13:05
              +2

              @mrvaluepack: OP's numbers rely on above average returns for the duration of the next 26 years.
              That isn't impossible, of course, but I wouldn't choose to pay more tax now because I might have to pay tax in a couple of decades if things proceed a couple of standard deviations away from normal.

              I mean, you can assume 15% returns in the model and $100k now will be worth $5m in 26 years, but I wouldn't be making my plans based on that.

          • SBOB on 29/06/2025 - 09:40
            +2

            @[Deactivated]:

            So far either Stocksport or IVV is the best I’ve seen

            The fact you're directly comparing these two 'things' shows you probably shouldn't be making your own investment decisions.

  • activ8 on 29/06/2025 - 09:24

    Would be best to move from Australia Super High Growth to the Australian Super DIY mix (Australian & International Shares) as the returns are higher.

  • bbinc on 29/06/2025 - 10:49
    +3

    On your projected figures you will be very well off and able to retire at 50, and use the income from your non-super assets like ETF’s. Your dividend income alone is likely to hit the top marginal rate before you even start drip selling.The problem with selling anything is what are you going to do with the cash? Only buying non-income producing assets like a bigger house, fancier car, yacht, holidays I think. If you aren’t spending it it will be earning interest.
    At the figures you are planning to have, you are also gambling on future governments finding a way to get at your wealth. For example, having multiple properties in Victoria - there is now very high land taxes to pay. There are state governments looking at alternatives to stamp duty, and rumours of higher GST.
    Having to pay tax demonstrates you are doing well. It’s a nice problem to have, but I think you could benefit from some professional advice to structure your finances. You may be getting into the realm of trusts and charities and company structures etc.

    • tenpercent on 29/06/2025 - 11:08
      +1

      You may be getting into the realm of trusts and charities and company structures etc.

      Definitely want to be looking into trusts and company structures with these numbers. Perhaps spouse super contributions too.
      Even ignoring the taxes, which OP is likely to get stung by by investing this amount of money in his own name, a few basis points difference in fees and returns will compound to a substantial amount.

      OP probably should and definitely can afford to get professional financial and legal advice.

  • dtc on 29/06/2025 - 11:15
    +1

    You are paying much higher fees on the Aus Super fund than you need to

    Also you are confusing volatility with return. Return is what’s important, volatility isn’t up until the period just before and just after retirement (sequence of return risks). What is the AusSuoer return vs the return on those ETFs allowing for the tax differential? Who cares if it went up and down more in the meantime. You are focusing on entirely the wrong side thing

    Your best options is probably one of the vanguard diversified like VDHG although it will still be volatile; or GHHF. Then invest in less volatile assets as well, hold some bonds or private credit or just cash. You can invest in infrastructure or royalty ETFs as well if you want to further reduce volatility. Look at your overall portfolio, not just one part of it.

    The concept of maximum returns and minimum volatility is just not possible over the long term. For a few years, sure; over the long term it doesn’t happen. the last few years everyone has done well.

    If you are still not happy then there are managed funds (not ETFs) that can replicate a super growth fund - you just pay high fees

  • mskeggs on 29/06/2025 - 13:09
    +4

    if people could recommend a high growth option that gives around 10% a year similar to what super has been providing and where it generally goes up consistently unlike a lot more volatile ETFs.

    For the record, I would also like this. Hell, I'll pay you a 1% fee if you can guarantee me 9% consistently. Just no lower years, OK?

  • bbinc on 29/06/2025 - 16:36

    Only two things are certain … and unavoidable … Death and Taxes

    • [Deactivated] on 29/06/2025 - 16:47

      Unfortunately the level of taxation isn’t certain lol

      • SpicyStew on 30/06/2025 - 09:32

        The level of pain before death is also uncertain

  • Dack Smith on 29/06/2025 - 18:14
    +1

    Another one keen to avoid paying fair taxes.

    I hope Labor removes the CGT discount asap.

    • DingoBilly on 29/06/2025 - 18:27
      +1

      To be fair, they're actually keen to pay higher taxes now rather than save on tax.

      They really don't understand how to maximise their returns and have a poor understanding of their investments.

    • Aureus on 29/06/2025 - 18:35
      +1

      Would be political suicide.

      CGT discount is meant to account for inflation. The issue is that when inflation is low, the discount is too generous. They could go back to adjusting capital gains for inflation to be more accurate, but then everything is more complicated and how do you even calculate Crypto inflation.

  • mungicide on 29/06/2025 - 18:41
    +1

    Looking under the hood, the asset allocation for Aus super high growth is approx ~90% growth ~10% income, similarish to VDHG. Aus super high growth perf as of 30 Jun24 return is 9.04% for 10 yrs and 7.90% for 5 years. VDHG's (as of 30 Jun24) 5 yr is 8.49% and I will use VDHG proxy managed fund version (VAN0111AU) of 10 yr is 9.19%.
    The home bias of AU/International % are quite similar as well.
    It's important to compare apples to apples as close as you can and the return timeframe as well before making anecdotal why one is better than the other. S&P500 is a separate benchmark to Aus super high growth, ie MSCI All country world (excl Au) + ASX300 etc

    • mungicide on 29/06/2025 - 18:45

      Sorry Aus super has benchmarked against ASX200 post Jul20 instead of ASX300 prior.

  • dono2 on 29/06/2025 - 18:51

    FANG ASX OR FHNG ASX for high growth

  • R4 on 29/06/2025 - 19:56

    If you can get to $12m by the time you plan to retire then that's pretty sweet and the best of luck to you.

    What's your plans for retirement with that amount? You'll have lots of options and your life will be great. I'm genuinely interested as we'll probably have a decent amount at retirement (no numbers from me as I don't post that kind of personal information on the internet). We plan to travel, buy a property in Europe probably (or long term rent one) and I want to continue to fly planes. If we can stay healthy, I reckon that our lives will be good. What about you?

  • SpicyStew on 30/06/2025 - 09:33
    +1

    Why did OP deactivate?

    • john_conner on 30/06/2025 - 10:38
      +4

      Because people who are going to have 12m in retirement savings shouldn’t seek advice on ozbargain.

  • kiitos on 30/06/2025 - 13:09

    Given no non concessional contributions have been made, op must have been maxing out concessional contributions from like age 21?

    • soan papdi on 30/06/2025 - 17:42

      Has to start at age 16, consistently put in $2500/mo for 44 years (till age 60) at 8% gives $12.1m. OP would have been a child prodigy to earn 250K at 16 years old.

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