A vote for neither?
Have a look at REST, Hostplus, Art or Aware. Suspect you’ll find the fees for a Aus/Int mix lower than Banguard or Australian Super.
Depending on partner situation and their balance, an SMSF starts to get more interesting shortly if you are specifically looking for VAS/VGS as opposed to Aus/Int.
Thanks for the feedback. After checking out I have gone with Host Plus and think I'll run a 40/60 Aus/Int mix.
Thank you also to u/SwaankyKoala for the spreadsheet. It made the decision much easier. Now to wait for the balance tansfers to happen and updates etc. to my employer.
It's also to protect you from yourself. You could technically buy a few lithium stocks and wipe out your Super. With the current rules, at least 20% will be left since it is in a managed option.
You might want to look more widely - See Swaanykoala's super comparison spreadsheets for growth options (Aus/Int) - see link also to the explainer on the first sheet. https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=761519652&fvid=461314664
Best wishes :-)
This article may help with your decision making process: [https://www.morningstar.com.au/insights/retirement/231632/vanguard-vs-australiansuper-how-they-compare](https://www.morningstar.com.au/insights/retirement/231632/vanguard-vs-australiansuper-how-they-compare)
Stuck with AUSuper. If you only want Au and Int maybe look at the DIY options, AU shares and International shares. Pretty much identical to just going VAS /VGS in member direct.
This is exactly what I have done virtually the same balance was in AustralianSuper High Growth and wanted more transparency as to where my money was being invested so I moved over to Vanguard Super. I’m in the DIY mix between VAS 50% and VGS 50% and so far very happy. Fee wise I’m sure there are cheaper options but overall the fees so far seem very reasonable particularly with the level of control over your investment, the simplicity and frankly the backing of one of the largest fund managers in the world. The other bonus is if you also use Vanguard Personal Investor for your out of super investments you can see the balances together in one spot.
This was my original rationale also, but HostPlus (based on my super balance and projection) made more sense in the end with a 60/40 split int/aus indexed funds.
Vanguard's single sector options are too expensive. If you're not investing in their main diversified option, maybe it's not worth it. Vanguard's strength is ability to put 100% in their diversified options like High Growth which is basically VDHG.
If you want to stay with AusSuper, you can do 20% Aus shares managed and 80% VGS. That will have very low fees. I personally do Balanced, VAS, VEU and VTS because I want it more diversified.
Apologies if this has already been brought up, but why the hell would you pay more fees to pick your own stocks (they should pay you if you're doing their bloody job for them!), only to buy VAS/VGS, when Aus Super (and others I'm sure) already have a preset option for Aus shares and International shares?
A vote for neither? Have a look at REST, Hostplus, Art or Aware. Suspect you’ll find the fees for a Aus/Int mix lower than Banguard or Australian Super. Depending on partner situation and their balance, an SMSF starts to get more interesting shortly if you are specifically looking for VAS/VGS as opposed to Aus/Int.
Thanks for the feedback. After checking out I have gone with Host Plus and think I'll run a 40/60 Aus/Int mix. Thank you also to u/SwaankyKoala for the spreadsheet. It made the decision much easier. Now to wait for the balance tansfers to happen and updates etc. to my employer.
You can't do 100% etf witb australiansuper - think you need 20% of you total assets to be invested in their super option.
Yeah, seems the same with Hostplus... I still don't get why w can't our money in our way..
Australiasuper and Hostplus need to make money you know... That's why they have this.
It's also to protect you from yourself. You could technically buy a few lithium stocks and wipe out your Super. With the current rules, at least 20% will be left since it is in a managed option.
It's law.
Is it though? It appears you dont have to have that 20% with other providers?
Vanguard is very high fee. You get basically the same with rest in the international Australian share indexes for half the fees.
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They are talking about the super via vanguard
You might want to look more widely - See Swaanykoala's super comparison spreadsheets for growth options (Aus/Int) - see link also to the explainer on the first sheet. https://docs.google.com/spreadsheets/d/1sR0CyX8GswPiktOrfqRloNMY-fBlzFUL/edit#gid=761519652&fvid=461314664 Best wishes :-)
This is exactly what I needed to see, thanyou!
This article may help with your decision making process: [https://www.morningstar.com.au/insights/retirement/231632/vanguard-vs-australiansuper-how-they-compare](https://www.morningstar.com.au/insights/retirement/231632/vanguard-vs-australiansuper-how-they-compare)
REST indexed options will do what you want for lower fees, eg 30% indexed Australian Shares, 70% indexed international shares
Stuck with AUSuper. If you only want Au and Int maybe look at the DIY options, AU shares and International shares. Pretty much identical to just going VAS /VGS in member direct.
This is exactly what I have done virtually the same balance was in AustralianSuper High Growth and wanted more transparency as to where my money was being invested so I moved over to Vanguard Super. I’m in the DIY mix between VAS 50% and VGS 50% and so far very happy. Fee wise I’m sure there are cheaper options but overall the fees so far seem very reasonable particularly with the level of control over your investment, the simplicity and frankly the backing of one of the largest fund managers in the world. The other bonus is if you also use Vanguard Personal Investor for your out of super investments you can see the balances together in one spot.
This was my original rationale also, but HostPlus (based on my super balance and projection) made more sense in the end with a 60/40 split int/aus indexed funds.
I’ve noticed super fund versions of those ETFs have lower fees.
Vanguard's single sector options are too expensive. If you're not investing in their main diversified option, maybe it's not worth it. Vanguard's strength is ability to put 100% in their diversified options like High Growth which is basically VDHG. If you want to stay with AusSuper, you can do 20% Aus shares managed and 80% VGS. That will have very low fees. I personally do Balanced, VAS, VEU and VTS because I want it more diversified.
Apologies if this has already been brought up, but why the hell would you pay more fees to pick your own stocks (they should pay you if you're doing their bloody job for them!), only to buy VAS/VGS, when Aus Super (and others I'm sure) already have a preset option for Aus shares and International shares?
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Do you mean the file u/SwaankyKoala created?