I’m investing $1,000 per month in DHHF (Betashares Diversified All Growth ETF) and I’m planning to invest for the long term, probably around 10 years. Do you think this is a good strategy? I’d really appreciate any suggestions or advice.

Hello I'm a 28yo with high risk tolerance. I'm looking for a portfolio that is not heavily weighted to the US and is diversified to Asia and EU markets. I allocated 40% of my portfolio to multiple index/ex-US etfs.

I also don't want to miss out on the AI craze. So I allocated 10% to ASX:NDQ (which is heavily AI) and 10% to ASX:ASIA as, from my understanding, plays an important manufacturing role in AI and helps keep US exposure low.

I am also very motivated to place 30% investment into renewable energy as I believe this will be the future. I have considered popular "ethical" ETFs like ASX:FAIR and ASX:ETHI but they are not ethical in my opinion when they include companies like Apple (sweatshops), Visa (duopoly) and Woolworths (price gouging).

Finally I wanted 5% in gold and 5% in cryptocurrency (ETH over BTC as ETH is more environmentally) for speculative gains.

The following is my portfolio breakdown. I'd love to hear feedback. I am building a custom portfolio with Beta-direct so I eventually can set up a direct deposit of $500 a week as DCA.

Also, I am considering not rebalancing investments so I don't use more money on parts of my portfolio that is failing but should I reconsider this?

Ethical (30%)
- ASX:ERTH 5%
- ASX:CLNE 15%
- ASX:XMET 10%

AI (20%)
- ASX:NDQ 10%
- ASX:ASIA 10%

EX-US (40%)
- ASX:EXUS 25%
- ASX:BEMG 10%
- ASX:A200 5%

Speculation (10%)
- ASX:QAU 5%
- ASX:QETH 5%

As a brief regional breakdown:
- North America 32% (US = 20%)
- South America 2.8%
- EU 20.5% (France, UK, Germany and Switzerland make up 10.63%, the remaining split between several countries)
- Middle East 2.6% (mostly Israel unfortunately, can't get much exposure to Saudi Arabia, UAE or Qatar on betadirect brokerage)
- Africa 1.4% (South Africa and Zimbabwe)
- Asia 23% (China, Korea and Taiwan are ~6% each)
- Australia 7.6%
- remaining 10% is gold/ETH/currency

A bit about me: 19yo, student, got a casual job (300/week) and nearly 20k in savings. Any expense I have is purely a want and not a need. I have around 1k in super if that matters.

Aside from the finance investment courses taught in uni and some limited research, I know little about investing. What I do know is:

1. Use ETFs
2. Be in it for the long run
3. Don't panic sell

I want a set and forget type of investment. I've heard the simplest is DHHF, and to just make monthly/weekly payments. What I'm not sure is what platform to do this on. I've heard of Vanguard from my professor, but that's about it. I'm willing to invest around half of my savings (is that a good idea?) and then do monthly/weekly deposits. Any advice is much appreciated!

Worth investing at this drop or is it a bad sign? Even just putting in 2K?

Please use this monthly thread to discuss your portfolio, learn about others' portfolios, and help out users by giving constructive criticism.

As usual, please don't just list the names of stocks (or ask 'what do you think'), try to elaborate with your thoughts on the companies or news. Writing the tickers in bold is nice, to make it easier for people skimming the thread to pick out the names. Please ensure you include the percentage each ticker takes up your portfolio.

If you want more 'in-depth discussion', by all means, feel free to open up a new thread, this is merely to facilitate briefer 'chats'.

This thread will post monthly at the end of each month, depending on user feedback we may make it quarterly.

Hi Guys,

I've just written a post on my hobby investing blog after heading up to Melbourne to meet with the Dexus Convenience REIT management team last week (I've been holding the stock for 3 years and following it pretty closely over that time).

I think anyone with an interest in the discounted asset plays around in the REIT space would find this one interesting:

https://thesnowballinvestor.substack.com/p/adventures-of-a-snowball-investor

Built out a thematic filter in ETFtracker and interesting to see that precious metals had the biggest inflows out of all thematic groups for July per the latest ASX ETF data out last week... but interestingly, net outflows from the resources and miners

Latest July data in the latest new page on the ETFtracker tool I built and have maintained since 2021 (https://etftracker.com.au/dashboard/themes)

Also added in a few new page screeners taking into account management expense ratios - seeing which ETFs are cheap or expensive to trade but also depending on their FUM size

Lot's of great data out of the ASX and ETF providers on a monthly basis as well as from the ETF providers (especially those who publish their holdings, meaning we can do holdings crossover analysis like this)

If anyone's interested in some analysis, happy to show you what's possible here but all of this is free to try at www.etftracker.com.au

Been watching this one closely. DFS has been delayed multiple times from H1 to now Q3 2026 but thesis feels intact, 108% resource increase, 23% recovery improvement confirmed, ThyssenKrupp term sheet signed, major Chinese aluminium group framework agreement for 2-3 Mtpa and potential construction funding.

Cash is tight at $0.3M June 30 but MD Ryan de Franck has personally put $4M in through loan notes, skin in the game or desperation? Stock sitting around $0.51 after finding a floor at $0.415.

Questions for the group:

Still holding or did you cut?

When do you realistically think DFS drops?

Thoughts on Ryan de Franck as a founder/operator?

Does the Chinese Group framework change your view?

Hello fellas!
Any suggestions for penny stock for the rest of this year?

Hey guys, just going through the process from changing my ComSec account to a pearler account to allow more options. I have about 30 split between IOZ (15,400) and IEM (12,100) and SYI (3,000) the SYI was getting money put into it when I was stuffing around. I’ve realised I don’t have anywhere near the US exposure that I want/ need so just wondering what peoples choices are for a ETF that focuses on stable growth. I plan to be putting as much as I can into just the US ETF until I get it to a more appropriate ratio for my portfolio. Any advice would be greatly appreciated. Thank you

Any thoughts why Genus is down 24% the past 3 months ? I was up 86% around April. There’s not any bad news and the business is going good.

I’m not sure where to start, but I’m hoping someone might be able to help me — or at least give me a little hope. It's a longer and more complicated story, but I'll just give the important info -

I recently searched for unclaimed money in my name and surprisingly found at least a few hundred dollars connected to shares from an account I had when I was 14/15 years old, and living in Western Australia.

• 2005: Moved from the NT to WA and joined a local bank, State West Credit Union.
• 2006: State West announced it was merging with Home Building Society. We were offered/given shares and kept our accounts.
• 2007: Mid-year, I moved back to the NT and opened a Commbank account for the convenience of banking Australia-wide.
• 2007: State West/Home then merged with Bank of Queensland.

I contacted Bank of Queensland to ask how to claim the shares/funds. They’ve asked for ID, share numbers, account numbers, and proof of my WA address from 20 years ago. They also require me to complete a “Change of Address” form before they’ll provide a statement of my account, for a $49.95 fee per share — and I don’t even know how many shares I have.

I don’t have any of the things they’ve asked for...

A LOT of life & trauma & change has happened in 20 years - just in the 18 months we lived in WA, we had 4/5 different addresses. And in the last year I was in a very serious car accident while travelling Australia. My partner, who was driving, sadly passed away, and everything we owned was in the car and destroyed.

Trying to prove who you are when you have no old paperwork is incredibly frustrating. I was only recently able to replace my passport.

I’m struggling financially and honestly feeling overwhelmed by this whole process. Has anyone dealt with claiming old shares or unclaimed funds when they didn’t have account/share numbers or documents from old addresses? Are there records I could try to access, or an ombudsman/service that could help me understand what evidence the bank should reasonably accept?

If circumstances were different, I probably wouldn't even bother claiming the money because of the hoops they're making me jump through - but I really need the money right now.....

Any practical suggestions would genuinely mean a lot - Thank you.

Is anyone else in Appen (APX), I was down 50 percent then all of a sudden a big spike!

What management says vs what they do. Brainchip Holdings Ltd: 16 of 18 delivered. 89%. Rated MODERATE.

Volume was 2.9x normal last week; closed -14.8%. MOV also moved: +12.7% on 7.6x volume.

Could go either way from here but the annual report data is worth checking.

Also moving: NZX: Move Logistics Group 7.6x volume, +12.7%. SGX: Cortina Holdings Limited 14.7x volume, +11.6%.

Full analysis: https://theqfactor.io/blog/analysis/weekly-volume-2026-07-20.html

Please use this monthly thread to discuss your portfolio, learn about others' portfolios, and help out users by giving constructive criticism.

As usual, please don't just list the names of stocks (or ask 'what do you think'), try to elaborate with your thoughts on the companies or news. Writing the tickers in bold is nice, to make it easier for people skimming the thread to pick out the names. Please ensure you include the percentage each ticker takes up your portfolio.

If you want more 'in-depth discussion', by all means, feel free to open up a new thread, this is merely to facilitate briefer 'chats'.

This thread will post monthly at the end of each month, depending on user feedback we may make it quarterly.

Thoughts on investing in BTL after the announcement of the proposed data centre development?

at the moment im looking to put in 500 and deposit 500 every month but im not sure what i should put it in. I want good returns and i hear asx 200 and dhhf are really good but any advice would be appreciated as i don’t know much myself.

i also have an account with cmc but is there anything better? like stake or betashares which would be the best for me.

Had a fair whack of savings I was keeping liquid to buy a house but could never save faster than it inflated so moved it to dividend ETFs, got $900 in distributions and looking to put it on something high risk/reward. Any tips?

Hi there! I want to start investing - it’s difficult to choose what to invest in as there’s so many to choose from!

I have very strong views about not investing into funds with alcohol and gambling services, which takes out all the normal/ easy ETFS to choose from.

So this is what I’ve come up with - what are your thoughts? Any insights would be welcome! Thank you!!

FANG - exposure to tech
ETHI - global diversification (minus alcohol/ gambling)
VETH - aus diversification (minus alcohol/ gambling)
FUEL - exposure to global energy (which wouldn’t be included in ETHI)
MVR - exposure to Aus energy (which wouldn’t be included in VETH

Do I have too many? Any others I should look into / replace?

My next puzzle is to figure out what my split should be.

Would love any thoughts :)
Thank you!

A number have asked me over the last few weeks, Mozz, what's next for this Aussie BioPharma play?

Paradigm Biopharma recently (June 13th) announced they have commenced dosing the very last patient (out of some 538) in their Globally Harmonised Phase III.

Yeah this isn't a model that's in tandem...it's parallel. What I mean by that is that they get Registration in one market (like the USA) and they have the simultaneous ability to register in multiple markets in the one hit, examples include:

Aus

UK

Europe

Canada

It's so much easier to park and maneuver when we are parallel, rather than wait for one authority to approve us and then the next and the next...

Now a lot of your reading this won't know a lot about Paradigm's main naturally based drug, Pentosan. It would actually take me a number of posts to go through it even at a higher level. I've done a fair few of these such posts in the past if you have the time and ability to traverse through those.

But tonight, all I want to do, at quite a high level, is show you and take you through the next few larger milestones and roughly when they are due.

DISCLAIMERS

Usual Disclaimers first:

A) I'm no Soothsayer, the below Timetable and associated notes are completely my own thoughts. They could not only vary somewhat from the inevitable, but they may not transpire in either the said order or completely at all!

B) This may or may not be a definitive list

C) Correspondence can be entered into (by you posting some feedback or your thoughts!) but do it professionally, don't shoot the said messenger

D) Always a great idea to build in some extra fat, I've built in a little but prob not enough, especially with the Readouts later on. It's prudent to add in a week or three here and there just in case, so we ain't disappointed with any unforeseen delays!

E) DYOR of course

THE TIMETABLE

So here it is with my notes below:

MOZZ NOTES

STAR RATING
I've come up with a rough star rating, stars in terms of impact overall, but it's also interest generating and perhaps a rough guide to how any interested parties will view the embedded data? What is the potential impact?

Max is 5 stars.

1. MRI PEER REVIEW

The MRI Peer Review based on 008 data, will be the first cab off the rank. It's a little hard to say when exactly it will drop, it technically could be even slightly earlier than the end of July but maybe realistically, with a bit of to'ing and fro'ing, it will be early to mid Aug?

It's a solid three star rating. It will be a terrific read. It doesn't make a higher star cut because it is based on a Phase 2 with lower numbers (n) but at the same time it is our very exciting Structural clues that are reviewed by our Peers! I take it as a prelude for the all important major milestone to come, see point 5 below!

2. INTERIM ANALYSIS

It's potential a major inflection point. It's not merely a do we continue or don't we, there will be at least some chance of what is known as 'Early Conclusion'. Meaning the data is so good at this half way point that it becomes a major talking point and a point where PAR may score their very first major distribution deal if the data is stellar-like!

Again, a little hard to pinpoint exactly when IA will actually drop...I've given it a wider birth of 3 weeks sometime in Sept. Part of me yearns for it to be 1st week Sept...but realistically, later is prob a higher chance (ie. Week 3 or 4 Sept, maybe even a tiny slip into the very start of Oct?). It takes a while to compile all the data, a lot of it is first time used for Paradigm, eg ADP and the App! This App also contains a patient diary (E-Diary) so this will also, no doubt, add at least some overhead in terms of getting the data, analysis and then producing the final report...

It rates as a solid 4 star for me. It could definitely have the propensity to move our share price, to move us solidly into deal territory. I'm holding off here on a fifth star to incorporate some wriggle room for a Drug Effect Size that is still quite awesome but it results in a pass and please continue. We will prob get that regardless but it's the gears that might turn in the background that could make all the difference to us and our share price at the time!

Not long to wait for this (potentially) magnificent major milestone!

3. OPTIONS EXERCISE

Now you will see that I have only given it a one star rating here. It's not that I don't think it is not important or not exciting, I long to get these babies exercised. We will only have 20 business days to do it from IA announcement. It will be exciting but I kinda view the actual mechanics of it as, well...mechanical! The real fun for me are the darling Gold Piggies...

So don't be fooled by the lone 1 star...that could grow to a complete set of stars by early 2029. So much time to be right on those Piggy Back options? I love it.

New to PAR and Mozz? Well don't be sad you missed out on the free options granted in the last SPP recently. You can buy them on market and they are still at a bargain basement price, you could pick them up for as little as 8 cents tomorrow! (not advice!). Yes they are two stage, exercise those if they go into the money (or even just out of the money) and you get a free Piggy Back that has an expiry date of....... wait for it....

April....

No! Not April 2027...

...

...not even 2028....

(huh?!)

.

...it's April 2029!

.

What's the strike on that??? $2? $1?

.

Mate, it's 38 .....cents!

.

4. 100% PRIMARY READ OUT

Now we are getting to the Business end of town...

In me Mozz books, this is the Big one. Sure, Interim duly lights the fire...but it's the 100% Primary that should be the Fireworks.

The FDA themselves puts more credence in the 100% of the cohorts reaching Day 112.

Why?

Because the entire Registrational Phase III trial that we are in the midst of, is designed and powered for all of the 538 patients getting to the Primary Readout. The Interim is a mere Peek! Sure the Peek could be good, could be excellent...but it's the data for 100% of the trial that is the true essence of the study. This is what the FDA waits for.

At this point in time, there will be a lot of data and that announcement could be quite an announcement.

What could we expect at this juncture?

• Physical Function: Measured via WOMAC sub-scores or similar validated scales to show that pain reduction actually translates to better mobility.
• Patient Global Assessment (PGA): The patients' overall self-reported impression of change/improvement.
• Responder Outcomes: The percentage of patients who achieved a clinically meaningful threshold of improvement (e.g., a > 30% or > 50% reduction in pain).
• Safety & Tolerability Data: A summary of Adverse Events (AEs) to confirm the safety profile holds up across the full 538-patient cohort.

That's some heavy hitters right there, I'm -so- dying to see PGIC p value with n at around 500. It will be nuttily small.

Oh gosh darn it, I can't resist, here is a gentle recap (I say "darn it" cos I have to go look up these data points on the fly....give me a sec)...

*Incidental background Music plays unobtrusively*...

Helllllllooo , take a read of this, this in our 005 (Phase II B study):

Can you just imagine what that Red arrow is pointing to?

Mozz, It's a low number, what does it mean...?

It means that there is only a mere 0.62 of ONE Percent chance that it is due to absolute randominity that the patient is getting benefit. In other words (We call it Mozz® Speak), the drug works. It's enough for the FDA, it's enough for me...it's enough for you...and realistically, it's prob good for the Illinois Police Dept.?

In 008, the PGIC p value computed out to be 0.01.

Don't be fooled, do remember n was circa 56 in 005 (Active cohort) and ONLY about 20 in 008. (So in other words, 0.01 in our Synovial {008} study was a great result again).

Why I get goosebumps thinking about PGIC is two fold:

A) The FDA loves PGIC as a measure, it's RWE. (Real World Evidence).
B) Mate, the stats are nutty, you increase n to some 250 like what we will have in our current P3...hold Drug Effect Size constant, p gets simply crushed, I have to run a few more stats models but according to me, something in the order of p < 0.0001 is highly plausible.

It's a solid 5 stars from me. I'm calling it week 2 Jan, 2027 but I won't be disappointed if it is week 4 Jan for instance. It is worth the wait!

.

5. DAY 168 TOP LINE

This is the mother of all readouts. This will change our Company absolutely.

It is at this very read out we will no longer be merely a GOOD Pain and Function Company. We will be a Disease Modifier. If the data is at all consistent with what early signs we saw in the amazing 008 study.

It is at this point I will be on the edge of me seat looking for those p values on BMELs
On OSTEOPHYTES
ON CARTILAGE VOLUME...and how it compares with Placebo.

This is, for me, a super Blockbuster in the making.

Get decent p values here and we are so done (in a good way).

It all potentially changes at this point. PAR, I can only hope you one day read this, but if you get crushing p values here, we longer termers will ALL just lift you and exalt you all up.

I would give it 6 stars if it would fit in me excel spreadsheet up there.

This is very the moment I have been waiting for some 10 straight years. The scientific and statistical verification. PAR, take that to the USA and Europe and auction^\) the darn thing.

*= Auction doesn't mean sell the Company! It just means get a Distribution Partnership

We keep the rights
We are the middle person, no ways around it
We have the relationship with bene, our beloved pals and partner.
We oversee the new Distribution (BP) Partner
We keep this listed as a proud ASX company (maybe dual listed one day, but domiciled here in Australia).

.

6. OARSI 2027

Ahhh well this one is a personal fave. It will be my 5th Oarsi, this one in Barcelona. I do very much enjoy attending these scientific conferences to discuss all that is OsteoArthritis. Yes that's the principal first disease Paradigm is addressing, but it isn't the ONLY indication, there are potentially many.

Interested in more about OARSI ?

Follow these links for more info:

https://hotcopper.com.au/threads/oarsi-2026.9038582/page-42?post_id=83887158

https://hotcopper.com.au/threads/oarsi-2026.9038582/page-45?post_id=83973791

https://hotcopper.com.au/threads/oarsi-2026.9038582/page-50?post_id=84057671

So that ends my little play at the timetable, it might be off a bit...but it's my personal opinions.

Let's indeed see how it plays out, the good news here is that all of the above are the Reg and Clinical Milestones and they all fall within just 12 months from today!

Commercially? Well let's just see how that plays out! Horse before Cart... get the Clinical milestones done, the rest will follow.

.

I have been waiting patiently...we ain't too far away now!

.

Mozz

.

Not advice, PAR deemed to be a speculative stock, though I like what I see.

I’m looking at the following four stocks and I’m interested in people’s views. Do you hold them? Do you like them? Would you stay away from any? Would you recommend something else (no ETFs; thanks)?

IMU
EOS
INA
RMD

Thanks and have a good day.

Was recently having a beer with some mates, and this topic came up.

We settled on Brainchip.

There were other contenders, but pound for pound no other stonk has managed to erode retail coin quite as spectacularly.

Oven only been investing in ETFs for about 8mo. When I first looked into them Game looked like a solid opportunity, but it’s the only one that’s stayed around -20% when it took a dive. I know there are cycles but it sounds like it’s a long term cycle… who’s keeping it and who’s sold it?

Hi everyone,

27(m)

I’ve been investing in ETFs for the past 5 years.

My current portfolio is:

VAS/VGS (30/70 split) – $100k total

VSO – $10k (I no longer contribute to this)

Going forward, I only plan to invest in VAS and VGS, but I’m considering adding VGE for emerging markets exposure at around 10% of my portfolio.

Would you sell VSO and use those funds to buy VGE, or keep VSO and simply start allocating new investments across VAS, VGS, and VGE?

Interested to hear your thoughts. Thanks!