Aussie FIRE | Financial Independence Retire Early 56. Q&A: ETF strategy, coast FIRE, dividends vs. growth + cash ETFs
11 snips
Jan 9, 2026 Listeners are treated to a deep dive into ETF strategies, weighing all-in-one funds against splitting investments for better control. The duo explores Coast FIRE, discussing how to balance work intensity and well-being while delaying full financial independence. They also debate the merits of dividends versus growth for retirement income, highlighting tax implications and aligning investment preferences. Cash ETFs are unpacked, including their use cases and comparison to high-interest savings accounts, rounding out a comprehensive financial Q&A session.
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Use Simplicity To Fight Tinkering
- Use an all-in-one ETF if simplicity prevents you from over-tinkering with allocations.
- Pay a bit more in fees for behavioral discipline if it helps you stick to a plan.
Split For Control And Opportunistic Buys
- Split core portfolio exposures into a few broad ETFs if you want control and tactical top-ups.
- Rebalance by buying the part that’s cheaper rather than chasing performance.
Start Simple, Expand With Capital
- Start with a single all-in ETF if you’re a beginner or have very little capital.
- Move to multiple ETFs as your balance and confidence grow to gain control.