My Portfolio

If you’ve found this you’ve probably been searching for ETFs, or been looking for the ideal portfolio setup.

My portfolio is made up of a few different investments I’ve collected over the last decade – stocks, property and cash.

The keyword is collected. I’ve drip-fed into things over the years. 

Nowadays it’d be 100 times easier to start a portfolio from scratch with all the options available, but 10 15 years ago it was very different.

I’ve made some mistakes and had some regrets but the good thing is that it keeps growing. From my regular contributions as well as growth.

my portfolio by asset type

Property

About 50% of our net worth is the equity in one investment proprerty.

We have an apartment that the wife that we lived in for a few years before moving cities.

We renovated it a bit while living there but now rent it out. It’s positively geared so the income comes is handy, with any surplus going to the investments below. 

Shares and equities

Currently my investing strategy is to put money into a share portfolio on a regular basis while maintain some strategy to how I invest. 

I like to have a split of core and satellite investments, which if you Google is a fairly common approach to portfolio building. 

The core investments are more fixed and focused, at least for the medium term. These are what I expect to give me good but not great returns. Lately the returns have been outstanding. 

I enjoy being active in the market, so I dedicate some money towards more tactical/trendy investments as well as some individual picks I think are undervalued.

my portfolio by investment type
my portfolio by diversity

ETFs

These are my market covering ETFs. The skew is towards global stocks to offset the heavy investment we have in our property. 

You can see in the diagram above what the split is, and here is the breakdown of what exact ETFs I own:

  • Global – IOO, VGS, ETHI
  • Bonds – VGB
  • Local – MLT, IOZ
  • Currencies – GOLD, Bitcoin
  • Emerging –  IEM (previously VAE)

While I started off buying these through SelfWealth. I now buy most of these through CommSec Pockets. Mainly cause it’s cheaper at lower amounts, a better app, and I can automate the investing.

I also invest in Bitcoin through Independent Reserve

Here is a list of other ETFs I’ve owned but sold in recent years (mainly to keep things simple):

IVV, VAE, MOAT, RBTZ, UMAX, ISO, VDHG, VHY, VBLD. 

Cash

This is mainly a buffer of cash in our main account and our emergency fund (1 year of expenses). If an opportunity ever arises then we are prepared.

What would I build if I started from scratch?

If I cashed out to start over I’d probably just put it all in RAIZ Sapphire portfolio.

It is such an easy to use tool and does exactly the things I want automated – overbalancing, dollar cost averaging – at a minimal cost.

See my post on investing apps to read more.

But what if I wanted a DIY portfolio…

Considering I am a DadInvestor I’d struggle to be hands-off with investing for too long. 

With things like CommSec Pockets you can easily create a fully capable investment portfolio on your phone.

Previously I’ve used ETFs like Vanguard’s VDHG ETF and the VHY equivalent index fund. Now I find Vanguard too diversified.

10 years ago they were your only options but now with BetaShares, BlackRock, and Robo advisers around you can setup something closer to what you value. 

Simple DIY portfolio using CommSec Pockets

  • IOZ – 40%
  • IOO – 40%
  • ETHI – 20%


That’s all I’d need. Some well run ETFs will do the job over time. If you like you can add a theme or two like NDQ (Tech) of IXJ (Health) but really that’s enough already. 

But wait why not VGS or IVV?

IOO is my favourite ETF.

I prefer ETFs with a lower amount of holdings. IOO has 100, VGS has over 1500. I prefer the top companies, not every company. 

Why ETHI?

See what I wrote about ethical investing here.

What do I use to manage my DIY portfolio?

Sharesight of course.

It’s the simplest, best looking way to aggregate all your investments into the one place. Doesn’t matter how many platforms you have, this is where I go to view performance.

I have written a popular review on the tool, but you might as well sign up for free to give it a go if you are serious about tracking your stock portfolio.

I have found the best deal on Sharesight as well – 4 months off any premium plan. You can start for free, upgrade later and still get the deal. 

This is an affiliate link so I may get a commission if you join a premium plan for you to get the 4 months off.

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