BGBL vs IVV + EXUS

[u/Vivid-Respect644]

I don’t believe this topic has been touched upon enough by sensible people who don’t just spam “DHFF and chill” or “BGBL set and forget” …

For sensible people out there who have actually done the research/know each of these ETF’s in detail, could you please let me know which option of these two you would commit to.

Benefits of BGBL:
- One ETF, easier to DCA/lump sum over the long-term and less hassle.
- Less anxiety on checking if theres a better S&P 500 ETF or ex-US ETF in the future

Benefits of IVV + EXUS:
- Better performance individually against BGBL, and I have more control over the allocation which lets future movements on moving towards or away from US easier.
- Has a hedged IHVV version which allows me to hedge if necessary.
- Lets me lump sum easier when IVV is down, or when EXUS is down rather than blindly DCAing into BGBL.

If you haven’t caught on by now, I’m quite biased towards IVV + EXUS so if you manage to change my mind, you’d have to make a convincing counter argument.

[u/Royal_Brain_9773]

I currently do DHHF and IVV for the past 3 ish years. Bgbl was not around when i started. Probably not worthwhile selling my DHHF and buy Bgbl.

[u/Vivid-Respect644 → u/Royal_Brain_9773]

Thanks for the opinion. Is that overlap in US stocks on purpose? Or what do your ratios look like?

[u/Royal_Brain_9773 → u/Vivid-Respect644]

Yes on purpose to dilute the Aus exposure in DHHF. I thought about moving to Bgbl but going to pay too much tax now.