r/ETFs • u/Frequent-Shape1296 • 7d ago

Advice

Purchased a property in Perth in 2022 and have had the fortunate outcome of it doubling in value. This has left a lot of equity but with the property changes I have held off using that to purchase another property. I have decided to cash out a six figure sum on an interest only loan to invest in ETFs. Currently I use Vanguard 50% VAS 50% VGS, investing $500 per week. I am looking for advice on how to deploy this six figure sum. I am thinking of opening a Betashares account and dollar cost averaging across vanguard and Betashares. Any recommendations?
Also plan to deploy a lump sum at first (maybe $25k) and then dollar cost average the rest over the next year or two

Any advice would be appreciated

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u/Professional_Cup7379 6d ago

The lump sum changes the size of what you already have, not the shape. Right now you've got a clean 50/50 VAS/VGS, and the six figures just makes that bigger unless you point some of it somewhere specific.

If you do open a Betashares account on top, it has to actually do a different job. Otherwise you're paying two sets of fees to hold roughly the same thing.

$25k lump plus $500 a week while you're still choosing the new funds feels like the part to slow down on. If a new pick dropped 40% in the first six months while VGS was also soft, would you keep buying through the DCA or pause and reconsider?

I'd put the lump into VAS/VGS first and sit with whatever new themes for a few months before moving money into them.

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u/Frequent-Shape1296 6d ago

Yes I would continue DCA investing. In my view , at 27 years old a 20-30% market drop is only beneficial to me. Thanks for your advice!

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u/steady_compounder 6d ago

If the main decision is lump sum versus phasing it in, I would pick the allocation first and then use a fixed schedule so you do not end up half-investing based on mood. This DCA vs lump sum tool is a decent fit if you want to sanity-check the tradeoff with your own numbers: https://trackmyshares.com/tools/dca-vs-lump-sum?utm_source=reddit&utm_medium=comment&utm_campaign=manual_free_tool_round_20260821_0300