Australian Finance Podcast

Changing super sitch up, selling DHHF, planning for divorce and more - Q&A

Aug 28, 2025
The discussion dives into whether sticking with one ETF provider is wiser than diversifying. It raises questions about high school financial literacy and the necessity of teaching saving and investing. Tips are provided for financially preparing for separation after a long marriage, alongside insights into what happens to your First Home Super Saver Scheme if you switch super funds. The importance of understanding liquidity risks and tax implications when dealing with ETFs is emphasized, making this a must-listen for savvy investors.
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ANECDOTE

Stretch Yourself Early In Your Career

  • GlobalX CEO was advised when young to 'stretch yourself' and take more measured risk early in life.
  • Owen and Gemma use this to encourage sensible risk-taking in your 20s for long-term growth.
INSIGHT

Diversified ETFs Are A Starting Point

  • Diversified ETFs are a great starting point but not a forever solution as your needs change over decades.
  • Plan to spread assets across providers, asset classes and platforms as your wealth and goals evolve.
ADVICE

Don’t Fear Being Unable To Sell ETFs

  • You can sell ETF units and providers can create or cancel units, so liquidity risk is low for large holdings.
  • Monitor tax reporting and AMIT adjustments so you know which ETF units to sell for tax optimisation.
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