Kris Walesby

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321 appearances 1 recordings 1 series first heard Jul 2020 last heard Jul 2020

Kris Walesby’s voice in public audio — every appearance, attributed to the second.

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Australian Finance Podcast · How to build an ETF portfolio, with Kris Walesby of ETF Securities · 13 Jul 2020 podcast

It's normally very high rates in terms of what they charge you to do that.

Or you can buy an ETF.

ETF securities, we don't have any at the moment of these fixed income ones, but iShares, Veatchares, Vanguard, Panic, these main companies in Australia, they all have them.

And rather than you picking one bond, like an Australian government bond, a 10-year government bond which pays you coupons every month for 10 years, it's ideal, low-risk.

But actually you probably need you know five hundred thousand dollars just to buy that one bond hmm with the ETF the fund manager is

scooping up all those bonds on your behalf and putting them in one little package which you pay you know fifty dollars for and you get that same exposure so um you along with a lot of the other fund holders are basically well you are literally shareholders of that fund um that has those bonds in it so those coupons are paid to you from a number of different bonds

So they effectively, those fund managers are using their buying power to give you exposure to a number of bonds, which you can then use safely in the core part of your portfolio to drive those sort of yield returns and help you stay in the manner in which you're accustomed during your retirement.

Then, you know,

We have the other side where you've got millennials in their early 30s, but say the mid-ground, someone like me, I'd have a bit of both.

So I won't have that many bonds because I know that I'm going to be working for another 20 years.

So I've got enough time in the game to take a bit more risk.

So if things don't work out for me in the next couple of years, and some of my investments go down, I've got another 18 years to get that back, right?

So I will probably mix that core with some bonds and some equities.

So I'll have an ASX 200 fund.

So I'll be just tracking the Australian market.

But I'll probably have something that tracks America.

So an S&P 500 ETF so rather than me buying the 500 stocks or even 20 of the stocks in America and just take This best to think of it is I just take America.

I take a S&P 500 ETF and I've got exposure to to America And then if you're a millennial You'll probably not have any fixed income Because you don't need it.

You've got 40 years worth to play so you can play the vagaries the market and

So you will be picking, you know, Australia, ASX 200, you'll be picking America, and then maybe even things like emerging markets, India, China, and you're setting yourself up for a higher risk situation right now, but with the hope that you get a much higher payback as you get older and your portfolio has time to accumulate.

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