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611b thematic ETFs, active vs passive investing, invest in shares or pay down mortgage, cost to retire, DRPs + sooo much more (campfire chat)

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Do You Need to Beat the Market?

I think there's also a little bit of simplification in the media around what our cell location is. How you get to your 90, 10 matters almost more than the 90, 10. They will give me a completely different risk profile. Does my fixed interest include a whole bunch of bank hybrids to include junk debt? So how I get to my 10 am I 90? Is it large cap? Is it global? Is it small Cap? Is it growth? Is it a fit? Is it value?

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