Thanks Hal & Smith1776 for your thoughts. Hal, maybe holding some physical gold makes sense to prepare for the worst-case outcome, which may be more likely than what I appreciate. Smith1776, that makes sense that corporate bonds yield higher returns and also that portfolio offers more internatio...

Thanks for explaining! For now, I think I'll do something like 25% cash in bank, although thank you Hal for the warning re the uncertain reliability of the bank deposit guarantee scheme 25% GSBE47 25% gold (I might take the easy option and go for PMGOLD etf and also to avoid storage fees) 12.5% VAS ...

Thanks Hal, that's really helpful to see the makeup of your portfolio. A couple of questions Why 50% intermediate bonds, instead of 25% each of cash + long term bonds (say eTB GSBK39)? Where can I learn more about the "Smith portfolio"? What motivated your switch to it? Is there any way to...

Do any of you hold a PP in Australia? I've just moved here from the UK and I'd love to see an example of how someone's set up their Aussie PP. I remember it being a lot of work years ago setting up my PP in the UK figuring out which funds to hold, which to hold in ISAs (tax-sheltered) and which outs...

Observer, thanks for the tips on DMo and national savings!

Hi folks, I'm really glad I came across this thread. I'm a PP newbie. I just read Rowland's PP book and was looking for the best option for bonds when I found this forum. Along the way I realised that my current broker that I just recently signed up with (BestInvest) charges me a 0.4% / annum fee th...