Maximizing Direct Investment Returns: How AI Legalese Decoder Can Streamline Super vs DIY Mix Decision Making
- May 31, 2024
- Posted by: legaleseblogger
- Category: Related News
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## How AI Legalese Decoder Can Help Improve Your Superannuation Investment Strategy
In 2022, I made the decision to switch to the member direct option with Australian Super in hopes of outperforming the standard DIY mix option of international shares. The direct member option offers the ability to directly purchase ETFs and Australian shares. I allocated 25% of my investments to the DIY mix while investing the remaining 75% in ETFs, specifically NDQ (US ETF), IOZ (AUS ETF), and IAA (Asia ETF). NDQ and IOZ have been performing well, but IAA has been underperforming.
With the benchmark set at approximately 17% using Australian Super’s international share option, my overall performance matched this benchmark due to the conflicting performances of the US and Asia markets. While some may have seen success by solely investing in the US market, my diversified approach did not provide significant benefits in this scenario. Consequently, it may be more prudent to leave your super in the DIY option for similar returns.
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The problem with your Members Direct option is that the asset allocation is poor with some individual shares and a few ETFs that are not reflective of the wider broad-based market. E.g. NDQ is not S&P500. It would have been better to allocate a proportion to Australian stocks like you have, a smaller proportion to emerging markets, a reasonable proportion to like S&P500 (IVV or VGS as a proxy), and remainder of developed world (e.g. VEU or VGS, noting VGS is mostly US and remainder of developed world). So possibly you can reconfigure your portfolio.
My current setup is like this:
* Balanced 20%
* VAS 20%
* VEU 30%
* VTS 30%
I get 5% bonds and 5% unlisted from the Balanced which I understand some don’t want, but I do. I don’t overweight the US because my ETFs outside Super are mostly US. I may adjust it as I go, but I am pretty happy with my plan for now.
Be mindful that when you buy ETfs, if you ever want to change your investments or move super funds you’ll pay capital gains tax
You don’t have this if you just have the default funds.