Sorry about the late reply. My PM would not load. You have created a assertive portfolio (20%VGB + 5%VIF ) You will have higher highs and lower lows than a 50/50 balanced port. At some point in time there will be a drop, possibly large, in the market. You didn't tell me if you have a lump sum to invest or whether you are making regular payments. A lump sum. Split into small parcels and buy over a large time frame or wait for the market to subside. Regular payment. Just make monthly contribution regulary. Rebalance every 6 months or when percentages go out of wack by 5% The property market is slowing down so I think the VAP will start to decelerate from its rapid growth. The benefits of using VAS are getting franked dividends. The VTS needs a foreign tax exemption form filled out. Otherwise it looks good. Johny.
