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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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Asset Allocation

Don't underestimate the benefits of automated rebalancing. Most people won't get rent doing it, and they'll end up with something that's way different to what they thought they were buying. Asset allocation is a whole different all game in terms of how you're splitting up with asset allocation based on what your situation is. Some really interesting ones in the US around the basically a time weighted or goal base where they will shift the asset allocation over time as you get older. But if you want to delve into this and do some work yourself and work that out, then there's value in doing that yourself.

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