291. The top 10 ETFs Australians actually invest in (with Pearler CEO Nick Nicolaides)

Every year Pearler publishes the ETFs its community actually invests in, ranked by how many people hold them rather than by returns. Ana sits down with Pearler founder and CEO Nick Nicolaides to walk the top ten, plus the most popular pairings, and to talk about what the list is genuinely useful for (a starting point for research) and what it isn't (a shopping list).

In this episode we'll discuss:

💸 Why the list is ranked by number of investors, not performance or fund size, and why Nick thinks that matters

💸 The new entry at number ten: a high yield Australian shares ETF, and whether the proposed 30% minimum tax on capital gains has people rethinking growth versus dividends

💸 Nick's take on investing for tax outcomes: would you rather a bigger gain and a bigger tax bill, or a smaller gain and less tax?

💸 Management fees across the list, from 0.03% at the cheap end up to 0.59% for an ethically screened global fund, and what you're actually paying for

💸 All-in-one ETFs: the two big diversified funds the community argues about endlessly, their geographic splits, and the DRP setting that catches people out

💸 Why the Nasdaq-focused ETF is both the highest performer on the list and the one Nick watches most nervously, and why he owns it anyway

💸 Overlap: why holding two ETFs that share holdings isn't automatically a problem, and Nick's own simple two-fund setup

💸 The near-identical Aussie large-cap ETFs, two popular and two barely known, some with cheaper fees than the famous ones

💸 The top ten pairings, which Nick says really boil down to three groups: Australia plus the world, the world tilted towards the US, or all in on America

Nick's advice when two ETFs are genuinely that similar: you've done the work, so pick the one you'll be happiest holding, whether that's the cheaper fee or the brand you trust. And nothing here is a recommendation. Have a look at what's in the holdings and decide what suits you.

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Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide

If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

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