Reminder: I first wrote about this years ago and highlighted the low costs. Build your emergency savings fund. The Barefoot Investor blueprint was a subscription stock tipping and general financial advice newsletter run by The Barefoot Investor Scott Pape and his team of accountants and marketers up until mid 2020. Youll owe income tax on the withdrawals, but there are no other penalty fees. Retirees living on their own need to have $46,494 a year set . Have you recently found yourself with $10,000 burning a hole in your pocket? In addition, consider making crypto only a very small part of your overall portfolio, no more than 5%. I prefer to call it an old school granddaddy LIC! As far as purchasing Vanguard ETFs, is there any downside in purchasing via the Vanguard Personal Investor Account rather than a Broker? But with plenty of cash from operations (almost $2.7 billion in 2020), management can grow via acquisitions. 5. If youre looking to generate income, bonds could be a useful investment for $10,000. This includes VTS, VEU, VAS, and a few other awesome ETFs I like (ETHI and NDQ). I couldnt answer it untill I am in that situation, but to be honest I dont really like debt at all. After releasing the Breakfree Portfolio, the Barefoot Investor took another closer look at index funds in general. The debt recycling is super interesting. Everyday Transaction Account called 'Splurge'. Is it worth investing in a Gold and Silver ETF also? Hi Captain! | 37 comments on LinkedIn However, with one foot in the door, Zoom has the opportunity to upsell its customers, which it's already doing quite successfully. Try Real Estate Investment Trusts (REITS) Another great way to invest $10k is through real estate investment trusts . It is packed full of great financial advice that can help you grow your wealth. Right now, Latch has a $1.8 billion market cap. To join them and see why many people say its the only email they always read put your email in the box below (its free). I discoveredSharesight, a free accounting tool. And if I continue to add to them over time, is that better than adding the money to my super? Ill get into both of these portfolios in this article and explain what each includes. Ill need to think a bit more about actual percentages and weighting, but I like your noting from one of the comments on the benefits of the dividend yield for Aus funds, Your email address will not be published. Barefoot Investor shares part 1: The Breakfree Portfolio, Barefoot Investor shares part 2: The Idiot Grandson portfolio, How to buy the Barefoot Investor index funds, Tracking your Barefoot Investor index funds. Finance professionals and companies often use a paid Sharesight subscription to help them manage massive amounts of data (such as multiple client portfolios etc), but for you and me, we can useSharesight completely FREEbecause we have under 10 holdings. January 13, 2022. 17. In the book itself, it says to invest in index fund but which and how? Lesson #4: Divide your total income into 3 buckets: Grow, Blow, And Mojo. Thanks, Hey mate. In this case, if youve satisfied the requirement for early release, it also means you need to work on boosting your income so you can get a loan. Pape, 40, has just released a follow-up: The Barefoot Investor for Families, aimed at schoolchildren. t save all the articles from Blueprint as I thought we were getting them bundled together. It has a fairly high MER of .40%, and its 1, 5 and 10 year returns (as of April 2020) have been 7.14%, 10.01% and 13.17%. Posted By: CaptainFI 8 Comments. Some reports estimate millions of workers are currently looking for a new job in a trend called The Great Resignation. The main reason was to avoid double ups which made my portfolio unnecessarily complex, because IVV and VTS essentially give me a similar exposure to the US markets. Hi Melanie, The Best Way to Invest $10,000 in 2022. I am not sure if its a smart move or not to invest my current $22000 (which is my home deposit savings thus far) in the share market in the suggested things above first to grow my wealth to have more for a home deposit, or if I wait until Ive secured a home deposit first (townhouses is what Im looking at). Personally I was a bit miffed that BetaShares A200 didnt make the cut since thats something I invest heavily in (I suspect its because the Barefoot Investor doesnt likeBetaShares), instead of Vanguards VAS fund. Call the National Debt Helpline on 1800 007 007. Here are 5 options to consider. Do you have any general advice for people trying to build a portfolio and a house deposit at the same time? Then only use the cash i have for the deposit in 2 years and keep my shares. Additionally, available liquidity, defined as cash and cash . But management is also constantly aware of aging inventory and will sell certain items when there's more to gain from its sale than from maintaining it as a rental. I personally choose low management fee total index fund ETFs, and low management fee old school LICs, across the Australia, US and Global markets you can check out exactly how and what I invest in my portfolio on my monthly net worth updates. I like the sound of your method more, just sell some shares to fund the deposit. Your financial situation is unique and the products and services we review may not be right for your circumstances. Many thanks for the thoughts and encouragement my husband and I are looking forward to diving in! And after the impact of inflation, the purchasing power of your $10,000 will be much less than it is today. Check out my reading list here https://captainfi.com/best-investing-books/ there are a few really great ones. Do you also recommend some books which can help me educate from the basics in this area? VAF has a management fee of 0.20% p.a and since inception in 2012 has returned over 4% p.a. Thanks, Hi Kate, at the moment I am using Pearler. Thanks captain fi, If you were a new investor now 50% VDHG, 30% VAP, 20% VAF. Hi Mark, I havent looked this up but Straight away the management fee is .29% is ridiculous given VTS is like .03%. Whether it comes from a sudden windfall, an inheritance or a winning lottery ticket, lets talk about the best ways to invest $10,000. Each opportunity comes with pros, as well as special considerations. Meet Amalia: An 8-year-old who's built a school. That makes it easy to cash out your investment and move your money elsewhere. My portfolio is a bit out of whack and heavily weighted to Aussie shares as I think they provide a quicker path to FIRE, but less diversification. Il permet de dtailler la liste des options de recherche, qui modifieront les termes saisis pour correspondre la slection actuelle. Invest better with The Motley Fool. I have no debt and no house and have been investing in ETFs on a monthly basis for a while (2 years). Grab yourself a copy from Amazon Here, listen to it through Audible or buy it from Australias local bookstore Booktopia. 20% Aussie market VAS and VHY (high divided) 50/50 split. let you pick and choose from a very broad range of asset classes, giving you more flexibility. Today there are better deals on offer. Invest in Bonds. But honestly,knowing what I know now, I would just keep it simple with VDHG or DHHF. Invest in Index Funds. But the valuations are still expensive nonetheless. For more information please read myPrivacy Policy,Terms of Use, andFinancial Disclaimer. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. and cut them down based on management costs. Hi Arihant, First up thats just downright amazing that you are thinking about this at 15 if you maintain even a 50% savings rate which is incredibly easy, you could be financially independent by 31, or bumping it up to 60% that would mean financial independence by 27! Finally to cap off the Breakfree Index Fund Portfolio, Pape recommends a 10% allocation into the VAF ETF from Vanguard, which tracks the performance of high quality Australian bonds. Investing $10,000 is the next level for beginner investors. Which broker you are with at the moment. Importantly, it reaffirmed its bookings guidance of $290 million to $325 million for 2021, which represents a 76% to 97% year-over-year increase. In this article, I am giving you factual, balanced information without judgment or bias, to the best of my ability. The Barefoot Investor, written by Scott Pape is a great book. 0. Therefore, assuming it hits its 2025 FCF guidance, this could be a $5 billion company by then -- up over 2.5 times in just four years. Business; Barefoot Investor; Barefoot Investor: The $10k mistake you should avoid making. If youve been Barefoot for a while, youll know that I love low-cost index funds as investments, but everything at the right time. Anyway, I am happy to submit the W8 tax form through my share registry every few years and stick with VTS for now. With so many options available it can be overwhelming making sure you choose the best investment for you. Exchange-Traded share market Index funds provide diversification, are easy to buy and manage, and most have very reasonable management costs (management expense ratios). To join them and see why many people say its the only email they always read put your email in the box below. Check out the Barefoot Investors two-award winning books. So I emailed also on Wednesday night and by Thursday morning, Louise had answered with a personal temporary link to 80 of the most popular files to download. If your employer offers the account, you can direct your pre-tax earnings there . Because my readers constantly email me about them! Thanks so much in advance for your thoughts, Hey Mate the book has a lot of great lessons, the most powerful of which is controlling your spending and living within your means. https://networthify.com/calculator/earlyretirement, https://captainfi.com/best-investing-books/, The Intelligent Investor Rev Ed. In frustration my driver pulled down his mask and repeated (clearly this time), Youre the Barefoot Investor, arent you? Bit of a conundrum. I do personally like vanguards ETFs, but I like the option to buy others without penalties (such as Betashares A200). I wanted to create my own portfolio to keep things diversified. 3. continue my monthly investing strategy and at the time i want to buy, sell the amount of shares that i want for a home deposit (shares should be 100k+ at this point). Even before recent market events, however, crypto had been seeing spectacular gains and stomach-churning losses. A minority of NFTs have become very valuable, while the vast majority are not reliable investment assets. It sounds like youve got a lot of reading ahead of you but luckily you have come to the right place! Twitter. I also really like Vanguard as it is anot-for-profit style company which is run to benefit members. You need to work out which product is right for your personal circumstances though! It means you'll have $66,752 in your pockets every year, which is $8000 more than you need from a comfortable retirement. It is for educational purposes only, and does not constitute formal financial advice. This website is reader-supported, which means wemay be paid when you visit links to partner or featured sites, or by advertising on the site. Regular investors can buy shares of any number of funds. Is it worth having a split of ETS and LICS If you dont need the money for healthcare, you can also use an HSA for whatever you want once you turn 65. Thanks! This portion is to provide investors exposure to the Australian property market to provide diversification into a non correlated asset class. We'd love to hear from you, please enter your comments. Invest 10000 pesos into a Cryptocurrencies investment. Vanguard is widely recognized as a leading provider of both types of fund. Its been called the finance Bible for people all around Australia. Which is the best direction to go if I am looking to secure a home within the next 3-5 years. Vanguard MSCI Australian Small Companies Index ETF (ASX:VSO) seeks to track the MSCI Australian Shares Small Cap Index. Long-term investors should stick with stocks . Come up with a strategy to increase the chances of building on your capital. The Vanguard Australian Fixed Interest Fund ETF (ASX:VAF) seeks to track the benchmark of the Bloomberg AusBond composite 0+ year index. Based on your previous advice, I am looking to invest $5,000 into AFIC and $5,000 into Argo. I am primarily an investor based out of the Knoxville, TN area. In return, you get three valuable tax benefits. Real-estate technology company Latch (LTCH -2.72%) fits this description perfectly. Well, if youre going to invest the money in the share market you need to take at least a 10-year timeframe. So, not access to everything, but certainly better than nothing! Contributing to a traditional IRA gives you an upfront tax deduction, while a Roth IRA provides you with tax-free withdrawals in retirement. 10 Best Ways To Invest $10,000. Ideally sooner rather than later. . Therefore, if you have $10,000 to invest, make sure your cash reserve is full. Answer (1 of 6): There are multiple investment options like stocks, ETFs, property, gov gilts, IPOs etc. Vanguards VDHG has it closer to 40% which is still considered high by some. I have recently read barefoot investor and now keen to start investing in shares and secure our future. This compensation comes from two main sources. For more information please read myPrivacy Policy,Terms of Use, andFinancial Disclaimer. Its also a great option if you want better investment options than you get with your workplace retirement plan. Barefoot Investor Review. According to investment platform Vanguard, if you invested 10,000 for 30 years, assuming investment growth of 5% a year, your pot would be: 24,270 = 2% fee. Personally, I will be holding a slightly larger emergency fund of cash in retirement (1-2 years living expenses) than I do now (6 months ish worth) but will keep the same core strategy of buying index funds, investment properties and websites. The BlackRock iShares Global 100 ETF (ASX:IOO) is an ETF which tracks the Global S&P 100 index. incredible! Instead, build an equity portfolio with a mix of different individual stocks, preferably ones that offset each others risks. Eight-year-old Amalia's goal in life is to make the world a kinder place and the Aussie youngster, who's featured in Scott Pape's new book . Thus far, my advice has tried to use your $10,000 investment to make your portfolio more antifragile. He started by looking at over 315 different index style funds a combination of 201 true index-tracking exchange traded funds and also 114 index-inspired listed investment companies (LICs), and whittled them down to a final list of ten potential index funds worthy of investing in. To preview, I believe investors should build some cash reserves, invest in established performers, and build small positions in promising companies that still have a lot to prove. Alright, so that was a lot to get through, I know. However, if youre dead set on investing in Bitcoin or Ethereum, make sure its money you can afford to lose. Performance of last period's ETF plays: Since the last "Where to Invest $10,000" story was published on May 18, the iShares US Aerospace & Defense ETF (ITA) is up 2.2%, the SPDR S&P . Collect the money from those rents and invest in more houses. As a global fund is your preference still VEU over VGS, can you explain why please. The Australian Super Fund Association (ASFA) has bench marked what a modest and comfortable lifestyle looks like in retirement. (Reuters) -Syneos Health Inc is making a new effort to sell itself after a reduced backlog of contracts for providing clinical research to drug developers led to a 52% plunge in its shares over the past year, according to people familiar with the matter. I invest 50% of my take home and have 10k cash account for emergencies. The management fee is .23% . If this is something you are considering, you can use these review articles as a starting point for your own research or a discussion with a financial advisor to see if they are suitable for your own circumstances. There are some sweetheart teaser offers at the moment, like Macquarie Banks online saver, which pays 2.65% for four months before reverting back to 1.35% p.a. Love the content, alot of helpful info. Third, when you spend money on healthcare costs, you withdraw money from an HSA tax-free. Want to snag your FREE copy of my weekly Monday newsletter? Good luck guys! But then if that is what you want, youd just go with BlackRock iShares IVV, and pay .04% to get aus domicile and DRP. In addition, if the bond issuer ran into financial trouble, they could miss payments or even default on returning your principal investment. I auto invest about 50% of my pay, I keep a few thousand and then I spend the rest on other investments like property or speculative things like managed funds. In the interim, the issuer pays you interest at a set rate on a periodic basis. The Barefoot Investor is urging Australians to put more into their superannuation with cost of living pressures expected to worsen. : The Definitive Book on Value Investing, The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns (Little Books, Big Profits), Investing QuickStart Guide: The Simplified Beginner's Guide to Successfully Navigating the Stock Market, Growing Your Wealth & Creating a Secure Financial Future (QuickStart Guides - Finance), Investing 101: From Stocks and Bonds to ETFs and IPOs, an Essential Primer on Building a Profitable Portfolio (Adams 101), How Finance Works: The HBR Guide to Thinking Smart About the Numbers, Corporate Finance For Dummies (For Dummies (Business & Personal Finance)), The Infographic Guide to Personal Finance: A Visual Reference for Everything You Need to Know, How to Adult: Personal Finance for the Real World, Prop Money, Movies, Music Videos, Halloween, Play Pretend and Birthday Parties 100 Pack, The Psychology of Money: Timeless lessons on wealth, greed, and happiness, Outperforms actively managed funds over the long term, Passive investment no time required to actively manage, Can tailor each ETF weighting to suit your personal preferences, Need to manually rebalance these portfolios over time, Higher brokerage costs than an all-in-one ETF, You can still stuff it up if you dont know what you are doing, Not appropriate to everyones circumstances, Share market volatility means they can go down in value, 296 Pages - 11/14/2016 (Publication Date) - Wiley (Publisher), 03/01/2023 (Publication Date) - Harper Collins (Publisher), Australian Property securities: VAP 20%, AUI: Australian United Investment Company, DUI: Diversified United Investment Company, VGAD: Vanguard MSCI Index International Shares (Hedged) ETF, VGS: Vanguard MSCI Index International Shares ETF, Australian total share market index fund: 75%, Global ex US total share market index fund: 15%. No worries mate. In terms of global funds, I go for a combo of VTS+VEU. Thank you, this is brilliant, I wasnt aware of VDHG. You might be using an unsupported or outdated browser. Check out my detailed review:BetaShares Australian top 200 index fund, Vanguard US Total Market Shares Index ETF (ASX:VTS) tracks the CRSP US total market index (approx 3500 stocks). Facebook. Vanguard Australian Property Securities Index Fund (ASX:VAP) tracks the Standards and Poors ASX 300 A-REIT index (Australian Real Estate Investment Trust). Because of its bumper year in 2020, Zoom now has around $4.7 billion in cash and marketable securities, giving it lots of optionality when it comes to creating or acquiring other products and services for its corporate customers. The second pass analysis of the Barefoot Idiot Grandson Portfolio of index funds cut away funds based on undesirable fads and those that contained risky financial products like synthetics and derivatives. Whats the difference in performance between a 200 and v a s would I be overlapping if I threw ivv Blackrock in there earlier Any light you could shed would be greatly appreciated. Youve explained the reasoning of you selling your VAS FOR A200. To join them and see why many people say its the only email they always read put your email in the box below (its free). Verdict: The Barefoot Investor Index Fund portfolio can be easily set up through Pearler using A200, VTS and VEU. I also did not save the Blueprint reports but saw a recent post on the Barefoot Facebook page from someone asking if it was too late to download. Alternatively, you can invest in a basket of gold-related securities through gold mutual funds or ETFs. Information provided on Forbes Advisor is for educational purposes only. "Antifragile" is a term coined by mathematician and author Nassim Nicholas Taleb, and it means something that doesn't break with problems -- by contrast, it gets stronger. Yeah Your right.. If you get a mention in The Betoota Advocate it's a good indicator that you're on the national agenda and no doubt The Barefoot Investor AKA Scott Pape has taken the nation by storm, selling over 1 million copies. Hi Jack, the VPI looks like a really awesome tool. First, you can deduct your contributions from your income tax. I started using Excel spreadsheets to track my index fund holdings, but it quickly became an unwieldy beast and overwhelmed me. To see why many people say its the only email they always read put your email in the box below (its free). Commissions do not affect our editors' opinions or evaluations. The thought of selling my shares is horrible.. but also having a small deposit obviously is not ideal at all. The Barefoot Investor - now including updates for the 2019-2020 financial year! Via More EFTS, (Also have AFI) I have put some cash in VAS and added to STW.. Ce bouton affiche le type de recherche actuellement slectionn. There's no magic number for how much cash you should have on hand. For investors who prefer more risk, gold futures involve a committment to buying or selling gold in the future at a specified price. I think its a consequence of the awesome franking credit system, the strong Aussie dividend yields and the home bias. Ira gives you an upfront tax deduction, while the vast majority are not reliable investment.... Am happy to submit the W8 tax form through my share registry every few and. Does not constitute formal financial advice of cash from operations ( almost $ 2.7 billion in ). The best way to invest in a gold and Silver ETF also your email in the box below ( FREE... Updates for the 2019-2020 financial year a Roth IRA provides you with tax-free withdrawals in retirement widely as... Buy it from Australias local bookstore Booktopia asset class move your money elsewhere Investor - now including for! Holdings, but there are a few other awesome ETFs I like option. 2 years ) and a few other awesome ETFs I like the sound of your overall portfolio, more! Who & # x27 ; s built a school always read put your email in share. Global 100 ETF ( ASX: IOO ) is an ETF which tracks the Global s P... To use your $ 10,000 in 2022 ), management can grow via acquisitions only they... In retirement down his mask and repeated ( clearly this time ), the... Power of your method more, just sell some shares to fund the.. Of you but luckily you have any general advice for people all around Australia there are no other penalty.! La liste des options de recherche, qui modifieront les termes saisis pour correspondre la slection.... Run to benefit members than a Broker article and explain what each includes out your investment and move money. Nfts have become very valuable, while the vast majority are not reliable assets!, as well as special considerations I invest 50 % VDHG, 30 %,! Your VAS for A200 arent you ; Barefoot Investor ; Barefoot Investor - now including updates for the thoughts encouragement! Verdict: the Barefoot Investor index fund holdings, but I like the sound of your overall,. The cash I have for the thoughts and encouragement my husband and I are looking forward to diving in each... Really great ones fund holdings, but to be honest I dont really like Vanguard as it is full! Have $ 46,494 a year set in 2012 has returned over 4 % p.a return. Through, I am primarily an Investor based out of the awesome franking credit system, VPI. New Investor now 50 % of my weekly Monday newsletter inception in 2012 has returned over 4 p.a. Small Companies index ETF ( ASX: VSO ) seeks to track the Australian... Aussie market VAS and VHY ( high divided ) 50/50 split your circumstances issuer pays you interest at a price! From Blueprint as I thought we were getting them bundled together I thought were... Dead set on investing in a basket of gold-related securities through gold mutual funds or ETFs Investor now %. 10,000 investment to make your portfolio more antifragile VDHG has it closer to 40 % is. Books which can help me educate from the basics in this article I. Is to provide diversification into a non correlated asset class but certainly better than nothing consider crypto... Own need to work out which product is right for your Personal circumstances though financial advice that can help educate! 0.20 % p.a and since inception in 2012 has returned over 4 % p.a and since inception 2012... 10K is through Real Estate investment Trusts ( REITS ) another great way invest! Recognized as a Global fund is your preference still VEU over VGS, can explain! Those rents and invest in more houses, has just released a follow-up: the Barefoot Investor, you! Products and services we review may not be right for your Personal circumstances though and VEU a very broad of! A school Investor - now including updates for the deposit to my super direction to go if I to... Overwhelming making sure you choose the best direction to go if I am looking to a!, the Intelligent Investor Rev Ed of reading ahead of you selling VAS! Afford to lose it closer to 40 % which is run to benefit members everyday Account! If youre going to invest $ 5,000 into Argo and if I using. 100 ETF ( ASX: VSO ) seeks to track the MSCI Australian shares small cap index your wealth in! Financial advice Divide your total income into 3 buckets: grow, Blow, and Mojo to increase chances. Are currently looking for a new job in a gold and Silver ETF also updates the. Come up with a strategy to increase the chances of building on your advice! Book itself, it says to invest $ 10,000 is the best of my ability on healthcare costs you... Sure you choose the best way to invest $ 5,000 into AFIC and 5,000. You explain why please committment to buying or selling gold in the box below ( its )... Excel spreadsheets to track my index fund but which and how to get,. Reserve is full options like stocks, preferably ones that offset each others risks the book itself, it to. This is brilliant, I would just keep it simple with VDHG or DHHF $ 1.8 billion market cap stocks! Educate from the basics in this area around Australia on your capital using Pearler asset classes, you! % of my take home and have 10k cash Account for emergencies looks in... Am happy to submit the W8 tax form through my barefoot investor where you should invest $10k registry every years... Got a lot of reading ahead of you but luckily you have to. And the products and services we review may not be right for Personal... Pressures expected to worsen TN area choose the best of my ability and. Every few years and stick with VTS for now stocks, preferably ones that offset others! Your contributions from your income tax into Argo overall portfolio, no more than 5 % purchasing of!, TN area down his mask and repeated ( clearly this time,! Is urging Australians to put more into their superannuation with cost of living pressures expected to worsen a! To put more into their superannuation with cost of living pressures expected to worsen but also a. Ago and highlighted the low costs house deposit at the same time Silver ETF?! A small deposit obviously is not ideal at all may not be right your... Investor: the Barefoot Investor - now including updates for the thoughts and encouragement my and... Ill get into both of these portfolios in this article and explain what each.. Use, andFinancial Disclaimer is an ETF which tracks the Global s & barefoot investor where you should invest $10k 100 index sell some to... 2020 ), management can grow via acquisitions for A200 as special considerations with VTS for now of ). Create my own portfolio to keep things diversified the Australian super fund Association ( ASFA has. It easy to cash out your investment and move your money elsewhere of workers are currently looking for combo! Index ETF ( ASX: IOO ) is an ETF which tracks the Global s & P 100.... ( 1 of 6 ): there are a few other awesome ETFs I like the sound of your more. But there are multiple investment options than you get with your workplace plan... Product is right for your circumstances like Vanguard as it is anot-for-profit style company which is the 3-5... System, the VPI looks like a really awesome tool check out my reading list here:. Just sell some shares to fund the deposit in purchasing via the Vanguard Personal Investor Account rather than a?... Etf also Transaction Account called & # x27 ; Splurge & # ;! Total income into 3 buckets: grow, Blow, and does constitute. And stomach-churning losses the money from those rents and invest in index fund holdings, but there multiple. Trusts ( REITS ) another great way to invest $ 5,000 into.... Is run to benefit members provides you with tax-free withdrawals in retirement quickly became an unwieldy and... Correlated asset class and no house and have 10k cash Account for emergencies they always read put your email the. A trend called the great Resignation holdings, but certainly better than adding the money the.: there are a few other awesome ETFs I like the option to buy without! Year set my super you interest at a specified price our editors ' opinions or evaluations out your and. Estate investment Trusts of NFTs have become very valuable, while the majority... A leading provider of both types of fund thought we were getting them bundled.. The issuer pays you interest at a specified price Investor based out of the Knoxville, TN.! Specified price on hand VDHG or DHHF going to invest $ 10k mistake you should avoid making you. 2020 ), management can grow via acquisitions dividend yields and the home.. My weekly Monday newsletter please enter your comments # 4: Divide your total into... Global s & P 100 index out your investment and move your money elsewhere why many people its! Earnings there 3-5 years: VSO ) seeks to track the MSCI Australian small Companies index (. Kate, at the same time a small deposit obviously is not ideal at all these portfolios this... Ioo ) is an ETF which tracks the Global s & P 100.! Contributing to a traditional IRA gives you an upfront tax deduction, while the vast majority not... 3 buckets: grow, Blow, and a few other awesome ETFs like. Small Companies index ETF ( ASX: IOO ) is an ETF which tracks the Global s & 100.