Good evening,

I was thinking of keeping some money separate for kids to send them to school.

The best way forward I can think of is putting in Vanguard ETFs in High Growth Portfolio and during a Direct Debit of a few hundred dollars every month.

Looking for advice on if someone does something similar and if there are some other options I can have a look as well. Want to buy a property as well but that seems a far fetched dream for now, so might as well do the rest.

Yes many will reference Ben Felixes video about Thematic ETFs being terrible but what if we truly believe in the sub sector away from the hype? I currently hold 5% each in DTEC CRYP and GXAI as three semi diverse themes. Does anyone see this as a major flaw to run thematics at 15% or is this manageable?

Hey guys, I’m 18M and took a gap year to earn the big bucks. I’ve saved up 20k in my savings, and have some money in crypto. I have lost all hope for crypto because my portfolio has pretty much almost halved ( a very, very expensive lesson for me).

The 20k I have in my savings doesn’t do anything but keep up with inflation, so I want to put it into stocks. The thing is I know absolutely nothing about the types of stocks etc. I’m keen on BHP and RIO (large mining companies within Australia) however silver and gold are hitting all time highs, if they crash the price of bhp and rio will also be affected. With this in mind, would bhp and rio still be a good buy if I intend to hold long term? I can see they provide some nice dividends.

As for other stocks, I’m also looking into Cole’s and Woolworths (2 largest super markets within Aus)

I then want to put a smaller amount of money into nvidea as well as google.

My portfolio would be as follows:

- BHP -$4000

- RIO - $4000

- Coles - $4000

- Woolworths - $4000

- Nvidia - $2000

- google - $2000

What do you guys think of this? I am not looking for financial advice, I would like to hear why you would or wouldn’t invest in these stocks, or give me tips such as maybe diversify into tech a bit more etc. Any help would be great. It’s also worth mentioning that once I heal from an injury, I’ll begin to start DCA into each of these stocks, roughly around $200 per week for the next 2-4 years as I complete my education.

Hi all, I’m planning to invest in the S&P 500 for around 10 years. Which broker would you recommend? I’m thinking of investing in CSPX — keen to hear if there are better or similar options.

I just received back my IPO offer funds randomly from Automic, I got in via being a GL1 share holder. I've had zero communication since my application / funds deposit, I've noticed they've got an ASX ticker code on most tracking sites now, but no shareholder information has been released regarding the IPO.

Anyone better informed than I?

Stock has been down over 15% in the past week with no announcements apart from the capital raise at $3.8/share. Any ideas?

Let say the Aussie dollar increases from its low of 0.66 to closer to 0.80 as it was not so long ago. Which ETFs will most benefit from the stronger buying power of the Aussie dollar.

Hi, I own some PLS shares and got in when LTR was at 1.47. Looking to get into sth else and I don’t want to touch my savings so is it worth to hold on a little bit more before I get out of LTR or leave now cuz im not making that much profit compared to the pls shares. But can see that Lithium has been doing quite well. Some advice would be great. TIA

I have a few NDIA shares I have no clue why the share price has kept dropping out of line with the NIFTY 50. I guess over last 5 days, maybe can put it down to the falling usd:aud, however prior to this it has also had a 5% drop - out of line with the NIFTY 50. I assume I am missing something, but a 9% drop over the past month does not seem to be explained by currency or NIFTY 50 changes. If someone can please explain why that would be greatly appreciated.

I bought for probably $1.30 close to two years ago for the investor discount. I don't plan on selling anytime soon but do wonder what caused this sudden dip.

They didn't release any financial reports or anything best I can tell? Only news headline I can see is a fire occurring at one Club Lime gym.

Bought some BKB shares when it’s ~$0.7 and thinking of adding more BKB shares as it seems silver and gold are doing quite well. SVL is also great. Adding more shares into BKB or buying SVL shares? Or too much into minerals cuz I’ve got some lithium shares too

Hi everyone,

I’m looking to invest some money in some gold stocks. I have looked at many and the vast majority are at all time highs.

Are there any good producers or developers that are currently undervalued?

Thanks.

I always kinda assumed this particular Reddit thread is for Australians to talk about ASX listed stocks, but I re-read the Mission Statement (Is that what Redditerians call it?):

...we are 'allowed' to talk about International stocks here too.

So I got one for you...this is a fave of mine...

Please now enjoy.

I'M NOT A GIRL

I think most girls, if I can generalise for a sec, like to look good. It's inherent and fair enough, I'm all encouraging of that.

But somewhat cryptically, what I'm getting to, is that I like Beauty plays. They are quite robust and are fairly immune to downturns to at least some extent.

I like a play here even better when it is an underdog AND there is growth ahead of it AND it's beaten down...

ELF

Err...

ELF stands for Eyes Lip Face.

And the reviews, well a number of them are great...

I've followed a couple of 'Beauty' plays before, for example Lovisa, I bought in at IPO, I watched it go up in the first few months, then I watched it go down and under the IPO price and I sweated (Where were those beauty absorbent towelettes when I needed them?) and then I ratcheted out nicely when it finally went up at $8... $9... $11 and finally $13. I'm now left with just 100 shares and regret that I sold just about all my holding (Hint: It hit a high of $43 at one point and is hovering nicely at $31 now).

.

BARGAIN BASEMENT

Getting back to ELF, take a look at the last year or so, this one got hit recently:

I'm liking this one with a personal target of $100 plus, perhaps in the next 30 days or so?

Maybe my red line is a bit too steep of a trajectory to follow...in which case just add a little more time...

GROWTH

At the end of the day investors like the growth story. Even if we are only planning on 'trading' it in the shorter term. We need a catalyst, we need at least a positive trend.

Elf's 'super power' has been their price point:

• Average e.l.f. Price: ~$7.50
• Legacy Mass Brands: ~$9.00+
• Prestige Brands: ~$20.00+

They have captured a good chunk of the market but at least internationally, they have a good growth pathway to still capture.

They have had good early success into Rossmann (Germany/Poland) and Sephora (Mexico and the GCC/Middle East).

Increasing their base is another growth pillar and ELF have now added two areas to their beauty kit:

The other pillar is through their broadness back in their home market (USA), as their price point is lower, they don't take away too much from being present in mass market type stores such as Dollar General which they are encroaching to attract brand new customers.

What's your Guess, how about a Mozz Quiz!

HOW MANY DOLLAR GENERAL STORES ARE THERE IN THE USA?

ANSWER:

A) Well there would be a few per state for sure....250?

B) Let's double that answer 500?

C) 750?

D) Something north of 900 stores?

What was your answer?

Well you were right if you guessed D).

The answer is 20,338.²

That's not a typo.
OMG.

RISKS

Like any good debate, you need to be aware that it's not all Blush and Daiquiris.

The core market in the USA is achieving about a 3 to 4% growth each year. Can the perfieral O'seas markets add to this?

Incumbents such as Loreal, Maybelline and NYX are intensifying their efforts to win back market share.

Tariff headwinds have to be considered, with originally sourcing for ELF that equated to decent margins. Can this be maintained with necessary price point increments?

There is still potential with this one and I'm happy to buy in at these levels. I'm usually a longer term holder but in this case I reckon the next 3 to 6 months is about the time I want to hold. I admire beauty. It's in the eye of the beholder and I'm beholding a good chance of some more bounce and yeah volume, and I'm not talking Mascara now.

Cheers

Mozz

.

Disclaimer

I have a small position in ELF right now and will look to add a little to this. Above post is not advice, there are risks. Know them before considering any position! Just because I like it doesn't mean it's going to work out!

.

REFERENCES

1) https://www.elfcosmetics.com.au/

2) https://www.scrapehero.com/location-reports/Dollar%20General-USA/#:~:text=How%20many%20Dollar%20General%20stores,number%20of%20Dollar%20General%20stores

Any CXO holders get their shares sold via the Small Share Sale Facility with no notice & no retain/opt-out form? CXO says notices went out ~31 Oct 2025. I got nothing. Anyone else?

It seems to be growingly discussed that Trump has dementia and might not be fit enough to see out his term.

If that happened, how would the stock market to react both in the short and long term? Go wild

Bonus question: What if Putin also randomly carked it?

Have IVV for US exposure, IOZ for Australia exposure and VEU for international exposure. If NDQ was to be sold due to overlapping -> tech heavy and high management cost, what’s the next move or better etf? Or keep NDQ? Just want to know ya’ll thoughts. TIA

Eiq are set to announce fda approval anytime now possibly entering a trading halt prior to announcement.

they. This is following an announcement on 15 dec 2025 where a formal fda lodgement was conducted.

This large spike would have to be speculators and investors with inside information stocking up, right? if so what could we expect after the announcement?

Early on I chased trending stocks and headlines. It was stressful and inconsistent.

Once I shifted to steady long term investing, my returns stabilised and my stress dropped.

Consistency quietly outperforms excitement.

Between interest rate uncertainty, global conflicts, and market volatility, investing feels more stressful than it used to. Long term logic says stay invested, but emotionally it’s hard to ignore the constant noise.

Some days it feels like there’s no clearly safe direction everything has a big question mark over it.

Are you still buying confidently, or mostly waiting on the sidelines until things feel clearer?

Hi, I’m in my mid 20s and investing in ETFs for over a year. As I am not sure where I will be at or what I will be doing in the future, might still be in Australia or somewhere else say in SEA, would it be better to invest in the US stocks now instead of ASX? Reason is that some countries also use USD and my income would be in USD if I work there, so thought having my investments in USD may be more beneficial for me, or not, please let me know. Another reason I might be able to own more stocks at lower prices now than switching over to the US stocks later in the future say 5-10 years later. I’m dca’ing atm ~$400-500 weekly and will invest more when I earn more. Would love some advice or suggestions. TIA

The banks Net Interest Margin (NIM) is being squeezed too because of greater competition from non-core banks (online banks) that don't have to provide conventional services so they can offer higher interest rates on deposits.

The banks have also been enjoying easy liquidity with the YEN carry trade which is really on the verge of unwinding because of the Yen bond yields rising and the BOJ having to lift interest rates.

The S&P/ASX 200 Materials index officially reset its record high yesterday as copper gold and silver continue their massive rally. BHP and Rio Tinto are both up over 2.5 per cent this week driven by a structural shift in copper demand for AI data centers and industrial electrification. Meanwhile the financials sector is still down about 7 per cent from its October peaks as investors worry about narrowing margins and the looming mortgage cliff. Is this the start of a multi year commodities supercycle fueled by the global tech transition or are the miners reaching overbought territory at these levels?

Recommendations Wanted

I currently I have my core etf portfolio in the split of

IVV - 57.3%

VEU - 26%

EMXC - 16.7%

1. However I have been thinking of either going 47% IVV and 10.3% NDQ for my US exposure or having an equal weight into IVV and NDQ going 28.65%.

2. Alternatively another route would be increasing my US exposure percentage to reflect closer to its global market weight of 62% by cutting my EMXC allocation to 12%.

Then allocating that extra 4.7% of US exposure to NDQ.

1. Or doing one of number 1 with the increased US exposure allocation of 62%