The same trio, that combined have over $50 billion in funds under management, continues to dominate: Vanguard Australian Shares Index ETF (ASX: VAS), Vanguard MSCI International Shares ETF (ASX: VGS), and iShares S&P 500 ETF (ASX: IVV).

Together, they form the backbone of countless portfolios, and they all gained roughly 16% in value over 12 months.

But after strong market moves and shifting global conditions, do these 3 ASX ETFs still deserve a place in your portfolio?

Let's take a closer look.

Vanguard Australian Shares Index ETF

This Vanguard fund remains the king of the ASX ETF market, with around $24.2 billion in funds under management. It gives investors exposure to roughly 300 of Australia's largest companies, offering low fees, high liquidity, and a steady stream of franked dividends.

Its biggest holdings tell the story. Commonwealth Bank of Australia (ASX: CBA) and BHP Group Ltd (ASX: BHP) sit at the top, reflecting the heavy influence of banks and miners on the local market.

That's both a strength and a weakness. You get reliable income and exposure to Australia's economic engine, but also concentration risk. When banks or commodities wobble, this Vanguard ASX ETF feels it.

Vanguard MSCI International Shares ETF

Then there's Vanguard MSCI International Shares ETF, with around $14.4 billion under management.

This is the classic "set-and-forget" global ASX ETF. It spreads your investment across developed markets like the US, Europe, and Japan, helping reduce the home bias that many Australian investors naturally have.

At its core are global giants like Microsoft Corp (NASDAQ: MSFT) and Alphabet Inc.(NASDAQ: GOOG). These companies sit at the centre of innovation in cloud computing, artificial intelligence, and digital infrastructure.

That's the appeal. Instead of relying on local banks or commodity cycles, you tap into global growth across multiple sectors.

iShares S&P 500 ETF

Rounding out the trio is the iShares fund, with just over $12.3 billion in funds under management.

This ETF is the purest way to own the US market through the ASX. It tracks the S&P 500 Index, giving exposure to America's blue chips.

And once again, the top holdings dominate. Apple Inc. (NASDAQ: AAPL) and Microsoft lead the charge, highlighting the heavy tilt towards mega-cap tech.

That concentration has been a tailwind in recent years, but it also means performance is closely tied to a handful of giants.

Foolish Takeaway

So, do these 3 ASX ETFs still deserve a place? For most long-term investors, the answer is yes.

Each ETF plays a distinct role. VAS delivers income and franking benefits. VGS provides broad global diversification. IVV adds concentrated exposure to the world's most powerful market.

The real question isn't whether to own them. It's how to balance them.

Because when combined thoughtfully, this trio still forms one of the strongest core portfolio foundations on the ASX. It's built for income, growth, and long-term resilience.

The post The biggest ASX ETFs revealed – are they still buys? appeared first on The Motley Fool Australia.

That's exactly why I believe Australian investors should focus on a strategy that blends growth, resilience, and rising income.

For retirees who own their home, the latest ASFA Retirement Standard suggests a couple needs around $77,000 a year for a comfortable lifestyle, while singles need roughly $55,000.

That makes the final 10 years before retirement the ideal time to shape a portfolio designed to support that level of spending.

Local and global reach through ETFs

My preferred approach starts with broad ASX and global share ETFs as the portfolio's growth engine. A core holding in the Vanguard Australian Shares ETF (ASX: VAS) gives investors exposure to many of the market's best dividend-paying companies.

Adding an international ETF such as BetaShares Global Shares ETF (ASX: BGBL) helps diversify beyond the banks and miners that dominate the local market.

Together, these ETFs can still deliver the capital growth needed to keep pace with inflation over what could be a 25-year retirement.

Increase income, limit risk

But this is also the decade when income starts to matter more. That's why I like gradually introducing a high-yield ETF such as SPDR MSCI Australia Select High Dividend Yield Fund (ASX: SYI). The higher dividend stream, supported by franking credits, can help lift the portfolio's cash generation without relying entirely on selling units.

At the same time, reducing risk becomes critical. A major market sell-off just before retirement can permanently damage a drawdown plan, which is why I would steadily increase exposure to bond ETFs such as the Vanguard Australian Fixed Interest ETF (ASX: VAF).

Bonds may not deliver eye-catching returns, but they can provide stability and act as a valuable shock absorber when share markets turn volatile.

Blue chips for growth

I'd also reserve a smaller slice of the portfolio for a handful of elite ASX blue-chip shares. Names such as Commonwealth Bank of Australia (ASX: CBA), Wesfarmers Ltd (ASX: WES), and CSL Ltd (ASX: CSL) can add a blend of dependable dividends and long-term earnings growth. These businesses have the scale and quality to remain core holdings well into retirement.

The real secret, though, is the glide path. Ten years out, I'd still lean heavily into shares. Five years from retirement, I'd be lifting bond and cash exposure. By retirement day, I'd want at least two years of living expenses sitting in cash or term deposits, ready to fund spending needs without touching shares in a downturn.

That combination of ASX ETFs, quality blue chips, bonds, and a cash buffer creates exactly what pre-retirees need most: a portfolio built not just to grow wealth, but to defend it when it matters most.

The post 10 years to retirement? Here's how to build a solid income appeared first on The Motley Fool Australia.

If I were starting with $10,000 today, I would focus on building a simple, well-rounded portfolio that I could hold with confidence and continue adding to over time.

Here is how I would approach it.

Start with a strong foundation

The first step for me would be building a core with broad market exchange-traded funds (ETFs).

I would start with the Vanguard Australian Shares Index ETF (ASX: VAS), which provides exposure to a large portion of the local market and includes many of the ASX's biggest and most established companies. It also offers a steady stream of dividend income, which I think is valuable for a beginner.

Alongside that, I would add the iShares S&P 500 AUD ETF (ASX: IVV). This ETF gives exposure to the largest companies in the United States and allows me to participate in global growth trends, particularly in areas like technology and healthcare.

Together, these two ETFs would give me a solid base across both Australian and international markets.

Add quality ASX blue chip shares

Once the foundation is in place, I would look to add a few high-quality ASX shares that I would feel comfortable holding through different market conditions.

One of those would be Commonwealth Bank of Australia (ASX: CBA). It is not always cheap, but I think its strong market position and consistent profitability make it a reliable long-term holding.

I would also include Wesfarmers Ltd (ASX: WES). It is a diversified business with exposure to retail and industrial segments, and it has a track record of making disciplined decisions that support long-term growth.

To balance things further, I would add CSL Ltd (ASX: CSL). It provides exposure to global healthcare and long-term growth trends, which helps ensure the portfolio is not overly reliant on the Australian economy.

Include a growth tilt

With the core and blue chips in place, I would still want some exposure to higher-growth opportunities.

For that, I would include Xero Ltd (ASX: XRO). It operates in cloud-based accounting software and continues to expand internationally, which I think gives it a long runway for growth.

I would also add WiseTech Global Ltd (ASX: WTC), which develops logistics software used across global supply chains. Its platform is deeply embedded in customer operations, which can support recurring revenue and long-term growth.

How I would think about the allocation

If I were dividing up the $10,000, I would keep things relatively simple and focus on balance rather than exact percentages.

I would want a meaningful portion in ETFs to provide diversification and reduce risk, while also allocating a solid amount to high-quality ASX shares that can deliver stability and income over time.

At the same time, I would still include a smaller allocation to growth companies, which may be more volatile but could help drive returns over the long term.

Foolish takeaway

If I had $10,000 to invest as a beginner, I would focus on building a portfolio that is diversified, easy to understand, and capable of growing over time.

By combining ETFs like the VAS and IVV ETFs with quality ASX shares such as CBA, Wesfarmers, and CSL, and adding growth names like Xero and WiseTech, I think it is possible to create a strong starting point.

From there, the most important step is continuing to invest consistently and giving those investments time to grow.

The post How I would build the ultimate beginner portfolio with $10,000 appeared first on The Motley Fool Australia.

Rising oil and gas prices rattled investors, raising concerns about the impact on the businesses they were invested in.

We are starting to see that impact, with Qantas Airways Ltd (ASX: QAN) doubling its jet fuel cost estimates for 2H FY26 today.

Fortescue Ltd (ASX: FMG) chair Dr Andrew Forrest has also revealed they paid up to double for emergency fuel supplies last month.

With all this in mind, it's interesting to look at how Aussie investors repositioned their ASX ETF portfolios as the conflict unfolded.

Aussies have $329 billion invested in ASX ETFs, and last month they ploughed an additional $5.6 billion into their favoured funds.

That makes March the third-highest month for net inflows ever. It seems the volatility caused by the war did not dampen their interest.

A new report from Betashares, which shows the top 10 ASX ETFs for inflows and outflows last month, reveals some interesting trends.

Let's take a look.

Top 10 ASX ETFs for inflows last month

Top 10 ETFs for outflows

How ASX ETFs investors repositioned last month

The VAS ETF is the most popular Australian shares ETF on the market, so it's no surprise to see it take out the top spot.

VGS is the most popular international shares ETF, so it's routine to see it close to the top as well.

The presence of IHVV in the top inflows list, and its unhedged counterpart IVV ETF in the top outflows, shows investors are mindful of currency changes over the past 12 months.

The Australian dollar has risen from just over 60 US cents 12 months ago to a three-year high of 70.8 US cents today.

As James Gruber, Equity Market Strategist at CommSec, points out:

When the Australian dollar strengthens, your international ETF returns shrink, and if the Australian dollar weakens, your returns improve.

Outflows from QAU ETF reflect profit-taking amid a 21% decline in the gold price over the first three weeks of March.

Sprott Managing Partner, Paul Wong, said investors need not be worried though.

Wong added:

Gold's March drop reflects a liquidity crunch, not a breakdown in its long-term role. 

As financial stress builds, gold is likely to reassert itself as a key monetary anchor.

Another interesting trend is the inflows into non-US international ETFs, reflecting the poorer performance of US markets this year.

In the year to date, the S&P 500 Index (SP: .INX) has lifted just 0.6% compared to a 3% bump for the ASX 200.

The post How ASX ETF investors repositioned as the Iran war shook markets appeared first on The Motley Fool Australia.

Plenty of investors may already be utilising this exchange-traded fund (ETF) with a dollar-cost averaging (DCA) strategy, so short- to medium-term issues may not matter when choosing to invest in it.

But for investors with a wide range of investment choices, there are supportive factors that could help the VAS ETF deliver good returns relative to many other ASX ETFs or individual companies. Let's run through my thoughts on the appeal.

Bank exposure benefits from rising interest rates

ASX bank shares make up a significant part of the S&P/ASX 300 Index (ASX: XKO) – that's the index that the VAS ETF tracks. At the end of February 2026, approximately a third of the fund was invested in ASX bank shares.

We're talking about names like Commonwealth Bank of Australia (ASX: CBA), Westpac Banking Corp (ASX: WBC), ANZ Group Holdings Ltd (ASX: ANZ), National Australia Bank Ltd (ASX: NAB), Macquarie Group Ltd (ASX: MQG), Bank of Queensland Ltd (ASX: BOQ), and Bendigo and Adelaide Bank Ltd (ASX: BEN).

So, whatever happens with banks plays an important role in the index's overall return.

Elevated inflation and higher interest rates are a headwind for plenty of companies' earnings and their share prices. However, for banks, it could be a net positive.

While it may lead to higher arrears and bad debts with a few borrowers, the potential uplift in the net interest margin (NIM) is compelling. A higher RBA cash rate should mean banks can earn a higher loan interest rate on lending out transaction account fund balances (which pay little/no interest to customers).

Following the earnings performance of banks during the 2022 to 2024 period, I think this could be a useful time to have ASX bank share exposure.

Commodity price growth

Materials make up just over a quarter of the VAS ETF, with names like BHP Group Ltd (ASX: BHP), Rio Tinto Ltd (ASX: RIO), Fortescue Ltd (ASX: FMG), South32 Ltd (ASX: S32), and ASX gold shares all potential beneficiaries. ASX shares related to energy, like ASX lithium shares, ASX coal shares, and Woodside Energy Group Ltd (ASX: WDS), could also see rising earnings.

I don't know how long inflation will persist or how high it will go, but I think it is a longer-term tailwind for resource prices.

As an index with significant exposure to ASX mining shares, I think the VAS ETF could be a beneficiary in the foreseeable future.

Good dividend yield

The VAS ETF could be an appealing option for passive income, as it offers a stronger dividend yield amid rising household costs.

At the end of February 2026, the VAS ETF had a dividend yield of 2.9%, with franking credits a bonus on top of that.

If bank and miner dividends can grow amid rising profits, then the Vanguard Australian Shares Index ETF could deliver rising distributions for investors.

The post 3 reasons why the Vanguard Australian Shares Index ETF (VAS) could perform strongly appeared first on The Motley Fool Australia.

For me, the focus is not on finding something new or complicated. It is about selecting funds that can play a clear role in a portfolio and hold up over time.

Vanguard has built its reputation around low-cost, diversified investing, which is why I often find myself coming back to its range.

Here are five Vanguard ETFs I think are worth considering this month.

Vanguard Australian Shares Index ETF (ASX: VAS)

The VAS ETF is one of the simplest ways to gain exposure to the Australian share market.

It tracks a broad index that includes large, mid, and smaller companies. That means you are not just relying on the big banks and miners, even though they still make up a meaningful portion.

You also get exposure to businesses like BHP Group Ltd (ASX: BHP), Commonwealth Bank of Australia (ASX: CBA), CSL Ltd (ASX: CSL), as well as smaller names such as AMP Ltd (ASX: AMP), Collins Foods Ltd (ASX: CKF), and Appen Ltd (ASX: APX).

With a low fee and a dividend yield just under 3%, I think it remains a strong core holding for long-term investors.

Vanguard MSCI Index International Shares ETF (ASX: VGS)

The VGS ETF provides exposure to developed markets outside Australia.

It includes companies across the US, Europe, and other major economies, which helps diversify away from the local market.

What I like is the scale. You are getting access to around 1,300 companies across a wide range of industries. This includes technology, healthcare, and consumer sectors, which are less represented on the ASX.

For me, this is a straightforward way to add global diversification.

Vanguard FTSE Asia Ex-Japan Shares Index ETF (ASX: VAE)

The VAE ETF adds a different regional tilt.

It focuses on Asian markets, including China, Taiwan, India, and South Korea. These economies are at different stages of development, which creates a mix of growth opportunities.

What I like is how this ETF complements broader global exposure. It captures areas that are not always heavily weighted in global indices, particularly emerging markets and regional leaders in manufacturing and technology.

Over time, I think that diversification can be valuable.

Vanguard S&P 500 US Shares Index ETF (ASX: V500)

Another ETF I would consider buying is the new V500 ETF. It provides direct exposure to the US market through the S&P 500.

This is one of the most widely followed indices in the world, and it includes many of the largest and most influential companies globally.

What I like here is the simplicity. You are gaining access to a broad mix of industries, from technology and healthcare to financials and consumer businesses, all within a single fund.

The recent pullback in US markets has also made entry points a bit more attractive than they were previously, in my view.

Vanguard Global Technology Index ETF (ASX: VTEK)

Lastly, the VTEK ETF offers a more focused exposure.

It tracks a global technology index, giving access to around 300 companies involved in areas like software, semiconductors, and digital infrastructure.

This is a higher-growth segment of the market, but also one that can be more volatile.

What I find appealing is the global nature of the fund. It is not just concentrated in one country, which reflects how innovation is happening across multiple regions.

For investors looking to tilt toward technology, I think it is an efficient way to do it.

Foolish takeaway

Vanguard ETFs are designed to be simple, diversified, and cost-effective. That does not mean every fund will suit every investor, but I think there is a clear role for each of these.

Whether it is broad Australian exposure, global diversification, regional growth, US market access, or a technology tilt, these ETFs offer different ways to build on an existing portfolio or start putting money to work.

The post 5 Vanguard ETFs for Aussies to buy this month appeared first on The Motley Fool Australia.

In fact, I think the simpler the approach, the better. Especially in the early stages.

With $5,000 and exchange-traded funds (ETFs), it is easy to get exposure to quality assets, build a diversified portfolio, and begin the habit of investing.

Here are three ASX ETFs I think are a great place to start.

Vanguard Australian Shares Index ETF (ASX: VAS)

If I were starting out with ETFs, I would want exposure to the local market. The Vanguard Australian Shares Index ETF provides that.

It gives you access to a broad range of Australian companies, from the largest names like BHP Group Ltd (ASX: BHP), Commonwealth Bank of Australia (ASX: CBA), and Telstra Group Ltd (ASX: TLS), through to mid and smaller companies such as Elders Ltd (ASX: ELD) and DroneShield Ltd (ASX: DRO).

That diversification matters. It means you are not relying on a single company or sector. You are participating in the overall performance of the Australian economy.

There is also the benefit of dividends, with Australian shares typically offering income supported by franking credits. For a beginner, I think this is a very straightforward foundation.

Vanguard MSCI Index International Shares ETF (ASX: VGS)

Australia is only a small part of the global market. That is why I would want international exposure as well.

The Vanguard MSCI Index International Shares ETF gives access to around 1,300 large and mid-cap companies across developed markets. This includes global leaders like Apple, Microsoft, NVIDIA, and Johnson & Johnson.

What I like is how it complements Australian exposure. The ASX is heavily weighted toward banks and miners. The VGS ETF brings in sectors like global technology, healthcare, and consumer brands, which helps balance a portfolio.

For me, this is about broadening the opportunity set.

BetaShares Nasdaq 100 ETF (ASX: NDQ)

The final ETF I would consider has a growth tilt.

The BetaShares Nasdaq 100 ETF focuses on the Nasdaq 100 index, which includes many of the companies driving innovation globally.

Top holdings include Alphabet, Amazon.com, Meta Platforms, and Tesla Inc.

This ETF gives exposure to areas like artificial intelligence, cloud computing, electric vehicles, and digital platforms.

It is more concentrated and can be more volatile than a broad market ETF. But I think having a portion of your portfolio exposed to these kinds of businesses makes sense, especially over a long time horizon.

It adds a different growth dynamic alongside the broader exposure of the VAS and the VGS ETFs.

Foolish takeaway

Starting with ETFs is one of the easiest ways to begin investing. The VAS ETF gives you broad exposure to the Australian market, the VGS ETF opens the door to global developed markets, and the NDQ ETF adds a focused growth component tied to innovation.

Together, they create a simple, diversified starting point. And from my perspective, that is what a beginner investor needs.

The post 3 simple ASX ETFs to start investing with $5,000 appeared first on The Motley Fool Australia.

Of course, a $1 million portfolio doesn't just appear out of nowhere.

Anyone with a bit of flexibility with their budget, which may be a bit rarer during this period, may be able to regularly put some money aside into investing.

Australians need to be patient when it comes to wealth-building. Rome wasn't built in a day, after all.

But, having said that, people that can invest should be able to reach $1 million thanks to the power of compounding. The power of compounding helps a number grow into a much larger figure over time – our portfolio can grow itself.

It's like planting a small sapling and it growing into a fruit tree that can start producing its own fruit.

How long would it take for our financial tree to turn into $1 million? That's what I'm about to show.

The power of compounding to $1 million

Each Australian household will need to figure out how much they are able to invest into ASX shares. So, I'll show how it could look for a variety of regular investment sizes.

For starters, the local share market has returned an average of around 10% per year over the ultra-long-term. We can invest in the ASX share market quite easily through the Vanguard Australian Shares Index ETF (ASX: VAS).

We'd need a crystal ball to know what the future returns will be, but I think using a 10% return is a simple number to use in the following calculations.

If a household can invest $500 per month and it returns 10% per year, that would grow to $1 million in less than 31 years.

Investing $1,000 per month would turn into $1 million in less than 24 years.

Being able to invest $2,000 per month would allow the portfolio value to become $1 million in less than 18 years.

For me, one of the most appealing things about these scenarios is how little an investor needs to invest to become a millionaire.

For example, in the scenario where someone is investing $500 per month for 31 years, that household has only invested $186,000 of their own money and the rest has been created from investment compounding.

Someone who has invested $1,000 per month for 24 years would have contributed $288,000.

How can I reach millionaire status sooner?

There are two main ways investors can accelerate their wealth-building. First, we can simply invest more per month. But, that's not available to all Australians because of budgetary constraints.

The other way to grow our wealth faster is to choose investments that could produce stronger returns than the VAS ETF.

I think there are plenty of opportunities to do that, even just in the exchange-traded fund (ETF) space such as Vanguard Msci Index International Shares ETF (ASX: VGS), VanEck MSCI International Quality ETF (ASX: QUAL) and VanEck Morningstar Wide Moat ETF (ASX: MOAT).

I'm also excited about the potential of ASX growth shares to outperform the ASX share market.

The post How long does it take to become a millionaire with ASX shares? appeared first on The Motley Fool Australia.

Investors who own Vanguard Australian Shares Index ETF (ASX: VAS) or other ETFs will receive their dividends on 20 April.

According to the schedule, the ex-dividend date is tomorrow, 1 April, and the record date is 2 April.

In order to be entitled to a dividend, new investors must buy the ETF before the ex-dividend date.

How much will ASX VAS investors get?

ASX VAS is the most popular ETF on the market with $24.21 billion in funds under management.

VAS ETF tracks the performance of the top 300 listed companies in Australia via the S&P/ASX 300 Index (ASX: XKO).

Vanguard will pay 84.788 cents per unit to ASX VAS investors on 20 April.

Here is a summary of the dividends that other Vanguard ETFs will pay to investors next month.

Vanguard Australian Shares High Yield ETF (ASX: VHY), which tracks the FTSE Australia High Dividend Yield Index, will pay 81.1836 cents per unit.

Vanguard Diversified High Growth Index ETF (ASX: VDHG) will pay 64.7933 cents per unit. This ASX ETF provides exposure to 16,000 ASX and international shares.

The Vanguard MSCI Index International Shares ETF (ASX: VGS), which provides exposure to 1,500 stocks in developed nations outside Australia, will pay 39.576 cents per unit.

Vanguard Australian Fixed Interest Index ETF (ASX: VAF) will pay 29.4897 cents per unit. This ASX ETF tracks the Bloomberg AusBond Composite 0+ Yr Index.

The Vanguard Australian Property Securities Index ETF (ASX: VAP) will pay 50.5505 cents per unit. This ASX ETF allows investors exposure to bricks and mortar via the S&P/ASX 300 A-REIT Index.

Vanguard FTSE Europe Shares ETF (ASX: VEQ), which tracks the FTSE Developed Europe All Cap Index (with net dividends reinvested) in Australian dollars, will pay 27.0768 cents per unit.

The Vanguard MSCI International Small Companies Index ETF (ASX: VISM), which tracks the MSCI World ex-Australia Small Cap Index (with net dividends reinvested) in Australian dollars, will pay 177.1192 cents per unit.

Vanguard Ethically Conscious International Shares Index ETF (ASX: VESG) will pay 43.9277 cents per unit. This ASX ETF tracks the FTSE Developed ex Australia Choice Index (with net dividends reinvested) in Australian dollars.

Want to reinvest your dividends?

A distribution reinvestment plan (DRP) is available for ASX VAS and the other Vanguard ETFs listed above.

DRP elections must be made by 5pm on Thursday.

The post Own ASX VAS or other Vanguard ETFs? Dividends just announced appeared first on The Motley Fool Australia.

You look back and wonder if you should have started earlier. Maybe life was busy with career, family, or other priorities. And now, with retirement starting to feel less abstract, the idea of investing can come with a sense of urgency.

But I do not think starting in your 40s is too late.

In fact, it can be one of the most practical and purposeful times to begin.

You may be more prepared than you realise

By your 40s, your financial position has often matured in ways that can support investing.

Income may be stronger or more stable. Expenses, while still significant, are usually better understood. There is often a clearer sense of long-term goals, whether that is retirement, supporting family, or building financial independence.

That clarity matters.

Because successful investing is not just about time. It is about making consistent decisions and sticking with a plan. Starting in your 40s with a defined strategy can be far more effective than starting earlier without direction.

You still have meaningful time to compound

One of the biggest misconceptions is that investing only works if you start very young.

Time certainly helps, but your 40s still offer a meaningful runway.

Even 15 to 25 years of compounding can have a significant impact, particularly if you are investing regularly and reinvesting returns along the way.

At this stage, the focus may shift slightly. Rather than relying purely on time, contributions and discipline can play a larger role in building wealth.

The key is not trying to catch up overnight.

It is about steadily building from where you are today.

A balanced ASX share portfolio

If I were starting in my 40s, I would likely think carefully about balance.

That might include a core allocation to a broad market exchange-traded fund (ETF) such as the iShares S&P 500 AUD ETF (ASX: IVV) or the Vanguard Australian Shares Index ETF (ASX: VAS), providing exposure to a wide range of US and Australian shares.

Around that, I would consider adding a handful of high-quality businesses with the potential to grow over time. Companies like CSL Ltd (ASX: CSL) or Wesfarmers Ltd (ASX: WES) could offer a mix of resilience and long-term growth, although the right mix will always depend on individual circumstances.

The goal is to build a portfolio you can stay invested in through different market conditions.

Avoid focusing on what you did not do

It is easy to dwell on the past. But investing is not about when you should have started. It is about what you do next.

Comparing yourself to others rarely helps. Everyone's financial journey is different, shaped by different opportunities and responsibilities.

What matters now is putting a plan in place and following through.

Foolish takeaway

Starting to invest in ASX shares in your 40s is not too late. You may actually be in a strong position, with clearer goals, greater financial awareness, and the ability to invest with purpose.

There is still time to build wealth, generate income, and benefit from compounding. From my perspective, the most important step is not looking back. It is getting started today and staying consistent from here.

The post Is it too late to start investing in ASX shares in your 40s? appeared first on The Motley Fool Australia.

Geopolitical tensions are rife across multiple regions. Energy markets are under pressure. Inflation remains sticky. And here in Australia, cost-of-living pressures are front of mind for most households.

For younger investors, this environment can feel like the worst possible time to invest.

But history suggests something different.

Periods of uncertainty are not new. What is consistently powerful, however, is the maths of long-term investing — and the earlier it starts, the better.

Why uncertainty feels worse than it is

When markets are volatile and headlines are negative, it's natural to focus on what could go wrong.

That often leads to hesitation — delaying investments, holding excess cash, or waiting for "certainty" to return. The challenge is that certainty rarely arrives in real time. Markets tend to move ahead of improving conditions, not after them.

This is where younger investors may have an advantage.

With a longer time horizon, short-term volatility becomes less of a risk and more of a feature of the journey.

The real driver: compounding over time

One of the most powerful concepts in investing is compounding — the ability for superannuation returns to generate their own returns over time.

It's simple in theory, but incredibly powerful in practice.

A useful shortcut to understand this is the Rule of 72.

Take 72 and divide it by your expected annual return. That tells you roughly how long it takes for your money to double.

At a 9% return, your money doubles about every 8 years.

That means over a 30-year period, your investments could double roughly three to four times.

Put simply:

• Year 0: $100,000
• Year 8: ~$200,000
• Year 16: ~$400,000
• Year 24: ~$800,000
• Year 30: ~$1 million+

That's the power of time doing the heavy lifting.

For many investors, this kind of long-term exposure can be achieved through diversified ETF options like the Vanguard Australian Shares Index ETF (ASX: VAS), which provides broad access to the Australian share market without needing to pick individual winners.

The key variable isn't timing the perfect entry point.

It's time in the market.

The $30,000 superannuation cap most investors overlook

For Australian investors, there is an often under-appreciated opportunity: the ability to invest up to $30,000 per year into tax-advantaged structures like superannuation (subject to current concessional contribution caps).

While this may not be achievable for everyone immediately, it provides a useful framework.

Let's break it down:

• $30,000 per year invested consistently
• Over 30 years
• Compounding at a long-term rate like 9%

Even allowing for market cycles along the way, the end result can be substantial.

And importantly, a large portion of that outcome is driven not by how much you contribute, but how long your money is compounding.

It's a drum worth banging repeatedly: what matters most is consistency, not perfection.

Building the habit early

The biggest risk for younger investors isn't volatility.

It's inaction.

Many people spend years waiting for the "right time" to begin, only to realise later that starting earlier would have made a far greater difference than any short-term market movement.

A disciplined approach might include:

• Investing regularly (monthly or quarterly)
• Focusing on broad market exposure through diversified assets
• Adding selective positions over time as knowledge and confidence grow

This approach aligns with what many long-term investors aim to do — build steadily, rather than chase short-term gains or headlines.

A mindset shift that changes everything

It's easy to view today's environment as risky.

And in the short term, it is.

But for long-term investors, uncertainty can also create opportunity — particularly when it encourages lower prices and higher future return potential.

The key is reframing the question.

Instead of asking:

"Is now the perfect time to invest?"

A more useful question may be:

"Will I wish I had started earlier?"

Foolish takeaway

Short-term uncertainty can feel overwhelming, especially for younger investors navigating their early years of wealth building.

But the combination of time, compounding, and consistent investing — particularly when taking advantage of structures like the $30,000 annual cap — can be incredibly powerful.

Markets will always face challenges.

The superannuation investors who tend to benefit most are those who start early, stay consistent, and allow time to do the heavy lifting.

The post How the average Aussie at 30 could reach over $1 million in superannuation appeared first on The Motley Fool Australia.

If I were starting fresh today and wanted a simple strategy I could stick with for years, I'd focus on just a handful of exchange-traded funds (ETFs).

Here's the approach I keep coming back to.

Start with a global core

The Vanguard MSCI Index International Shares ETF (ASX: VGS) would be my foundation.

It gives exposure to more than a thousand stocks across developed markets, including the United States and Europe.

What I like is that it captures many of the world's largest and most innovative businesses in a single investment.

Anchor it with Australia

The Vanguard Australian Shares Index ETF (ASX: VAS) plays a different role in a portfolio.

It brings in exposure to the local share market, including our banks, miners, and dividend-paying companies.

That adds income through dividends and franking credits, which can be valuable over time.

It also creates a balance. Instead of being fully exposed to global markets, you're anchoring part of your portfolio in Australia.

Add in some quality

The Betashares Global Quality Leaders ETF (ASX: QLTY) is where I'd look for a slight edge.

This ETF focuses on global stocks that boast robust balance sheets, high returns on equity, and strong earnings.

For me, this adds a layer of quality to the portfolio without needing to do the research myself or pick individual stocks.

Keep it simple and consistent

The real power of this strategy isn't in the ETFs themselves. It's in the behaviour.

Regularly adding to these positions, reinvesting dividends, and staying invested through different market conditions is what drives long-term outcomes.

There will be periods where one ETF outperforms and another lags. That's normal.

The key is that together, they provide diversification across regions, sectors, and investment styles.

Why I like this approach

This kind of setup avoids a lot of common pitfalls. 

You're not trying to time the market. Nor are you chasing trends. And you're not relying on a handful of individual stock picks.

Instead, you're building exposure to broad markets and high-quality businesses, and giving them time to grow.

Foolish takeaway

A simple ASX ETF strategy might not look exciting day to day. But over time, I think it can be incredibly effective.

With a global core, local exposure, and a quality tilt, I think this kind of approach has the potential to quietly build serious wealth for patient investors.

The post This simple ASX ETF strategy could quietly build serious wealth appeared first on The Motley Fool Australia.

From low-cost local exposure to global growth leaders, here are five of the best ASX ETFs to consider today.

Vanguard Australian Shares Index ETF (ASX: VAS)

First up is this popular Vanguard ETF, which remains a go-to core holding for local market exposure. This fund tracks a broad basket of Australian shares and includes many of the ASX's biggest dividend payers like BHP Group Ltd (ASX: BHP) and Wesfarmers Ltd (ASX: WES).

If you want a reliable, set-and-forget foundation for your portfolio, VAS is hard to beat.

Vanguard MSCI Index International Shares ETF (ASX: VGS)

For global diversification, the ASX ETF stands out. It gives investors access to hundreds of companies across major developed markets, including the US, Europe, and Japan.

With names like Apple Inc (NASDAQ: AAPL) and Microsoft Corp (NASDAQ: MSFT) in the mix, it's a powerful way to tap into global growth trends. This fund remains one of the most popular ETFs and it helps reduce overexposure to Australian banks and miners.

BetaShares Australia 200 ETF (ASX: A200)

If keeping fees as low as possible is your priority, take a look at the BetaShares Australia 200 fund. The ASX ETF offers exposure to 200 of Australia's largest companies at one of the lowest management fees on the market.

Over the long term, those lower costs can make a meaningful difference to your returns. This BetaShares fund could be a low-cost alternative to VAS.

iShares S&P 500 ETF (ASX: IVV)

Want more direct exposure to the powerhouse US market? This index fund is a popular pick. It tracks the S&P 500, giving you access to 500 of America's largest companies.

With the US continuing to lead in innovation — particularly in tech and Artificial Intelligence — IVV offers a simple way to ride that wave.

VanEck MSCI International Quality ETF (ASX: QUAL)

Finally, for investors looking for a quality tilt, this VanEck fund is worth a look. It's great for investors who want Warren Buffett-style businesses globally.

This ETF focuses on high-quality global companies with strong balance sheets, stable earnings, and competitive advantages. It's a great option if you want to reduce risk while still staying invested in global equities.

Foolish Takeaway

The bottom line? You don't need to overcomplicate things.

A handful of high-quality ETFs like these can form the backbone of a strong, long-term portfolio — and April could be a great time to get started.

The post 5 of the best ASX ETFs to buy in April appeared first on The Motley Fool Australia.

There is no portfolio yet. No momentum. Just a decision to begin.

But I actually think this is one of the best positions to be in. You have complete flexibility. No legacy holdings, no need to unwind past decisions. Just a clean slate and a long runway ahead.

If I were starting today with the goal of building a $100,000 ASX shares portfolio, this is how I would approach it.

Step one: focus on consistency

The first thing I would accept is that I do not need a large lump sum to get started. Instead, I would focus on investing in ASX shares regularly.

Whether it is $500 a month, $1,000 a quarter, or whatever is realistic for my budget, I think consistency matters far more than trying to wait until I have a big amount to invest.

In my experience, the habit of investing is more important than the initial amount. Once that habit is in place, the portfolio can begin to grow steadily over time.

Step two: start with a strong foundation

If I am building from scratch, I want a solid base early on.

For me, that would likely mean starting with a broad market exchange-traded fund (ETF) like the Vanguard Australian Shares Index ETF (ASX: VAS).

It gives instant diversification across the Australian share market, including large caps, mid caps, and smaller companies. That reduces the risk of being too reliant on any one stock in the early stages.

I would keep adding to this core position as I build the portfolio, particularly in the beginning.

Step three: gradually introduce high-quality ASX shares

Once the portfolio starts to take shape, I would begin adding individual ASX shares.

This is where I would focus on quality over quantity.

I would rather own a small number of strong businesses than spread myself too thin across too many names. Companies like CSL Ltd (ASX: CSL), ResMed Inc. (ASX: RMD), and Goodman Group (ASX: GMG) stand out to me as examples of businesses with long-term growth potential.

I would not rush this step.

Instead, I would build positions gradually over time, adding ASX shares when I have new funds available rather than trying to time the market perfectly.

Step four: think about allocation

As the portfolio grows, I would start thinking more deliberately about allocation.

For example, I might aim for a mix that includes a core ETF holding, a handful of growth-oriented companies, and perhaps some more defensive or income-focused names.

That could include businesses like Commonwealth Bank of Australia (ASX: CBA), which I think can provide a level of stability and income alongside higher-growth holdings.

The exact balance would evolve over time, but the key for me would be avoiding overexposure to any single company or sector.

Step five: stay patient

Reaching $100,000 with ASX shares will not happen overnight. It will likely take years of consistent investing, market ups and downs, and staying committed to the plan.

I think the biggest risk along the way is not market volatility. It is losing discipline.

Changing strategy too often, chasing trends or speculative stocks, or trying to outguess the market can all slow progress.

Personally, I would aim to keep things simple. Invest regularly, focus on quality ASX shares, and give the portfolio time to grow.

Foolish takeaway

Building a $100,000 ASX shares portfolio from zero is less about finding the perfect stock and more about building the right habits.

For me, that means starting with a diversified foundation, adding high-quality businesses over time, and staying consistent through market cycles.

It might feel slow at the beginning. But with patience and discipline, I believe it is achievable in time.

The post How I'd aim to build a $100,000 ASX share portfolio starting at zero appeared first on The Motley Fool Australia.

They give investors access to many world-class businesses and companies with strong long-term growth potential.

Here's why I would be seriously considering them this week.

Vanguard Australian Shares Index ETF (ASX: VAS)

I would start with a core allocation to the Australian market through the Vanguard Australian Shares Index ETF.

It provides exposure to a broad range of Australian shares, from large caps like BHP Group Ltd (ASX: BHP) and Commonwealth Bank of Australia (ASX: CBA) through to mid and smaller companies like Temple & Webster Ltd (ASX: TPW) and Siteminder Ltd (ASX: SDR).

I like the balance it offers between income and growth, as well as the benefit of franking credits. It is not the most exciting ASX ETF, but I think it is one of the most dependable.

Vanguard S&P 500 US Shares Index ETF (ASX: V500)

Next, I would want meaningful exposure to the United States through the Vanguard S&P 500 US Shares Index ETF.

In my view, it is hard to ignore the long-term strength of the US market.

This ETF gives access to 500 of the largest companies in the world's biggest economy, including global leaders across technology, healthcare, and consumer sectors.

I see this as a key growth driver in the portfolio, and a way to diversify away from Australia's relatively concentrated market.

VanEck MSCI International Quality ETF (ASX: QUAL)

While broad exposure is important, I also like having a tilt toward quality.

That is where the VanEck MSCI International Quality ETF comes in.

This ETF focuses on stocks with strong returns on equity, stable earnings, and low financial leverage. I think that kind of discipline can be particularly valuable during periods of volatility.

For me, this is about increasing the overall quality of the portfolio without having to pick individual global stocks.

Vanguard FTSE Asia Ex-Japan Shares Index ETF (ASX: VAE)

I would also include the Vanguard FTSE Asia Ex-Japan Shares Index ETF.

I believe Asia will play an increasingly important role in global economic growth over the coming decades.

This ETF provides access to a wide range of markets, including China, India, Taiwan, and South Korea. It adds a different set of growth drivers compared to the US and Australia.

It can be more volatile, but over the long term, I think that growth potential is worth having in the portfolio.

BetaShares Global Cybersecurity ETF (ASX: HACK)

Finally, I would add a small allocation with the BetaShares Global Cybersecurity ETF.

Cybersecurity is an area I believe will only become more important over time. As businesses and governments continue to migrate to the cloud, the need to protect data and systems is growing rapidly.

This ASX ETF provides exposure to a range of global cybersecurity companies, offering a more targeted growth opportunity alongside the broader market exposures.

Foolish takeaway

If I were investing $50,000 today, I would focus on ETFs that I could hold for years.

The VAS ETF would provide a strong Australian foundation, the V500 ETF would deliver exposure to the US, the QUAL ETF would add a quality tilt, the VAE ETF would capture Asian growth, and the HACK ETF would bring a thematic edge.

The post Here are 5 ASX ETFs that I would buy with $50,000 appeared first on The Motley Fool Australia.

Not when there are exchange-traded funds (ETFs) out there that make investing easy.

And when it comes to Australian equities, one fund that stands out to me is the Vanguard Australian Shares Index ETF (ASX: VAS).

So, is it a good long-term investment? Personally, I think the answer is yes. But let's now unpack why.

A simple way to own the Australian market

What I like most about this ETF is its simplicity.

Instead of trying to choose a handful of ASX winners, it gives you exposure to the broader Australian share market in one trade. It tracks an index that includes hundreds of companies, which means you are not relying on any single business to perform.

In my view, that diversification is incredibly powerful over the long term.

You are effectively backing the growth of corporate Australia as a whole, rather than trying to predict which individual company will come out on top.

Exposure across the market

Another reason I find the VAS ETF compelling is the breadth of its holdings.

At the top end, you get exposure to the giants of the ASX. Companies like BHP Group Ltd (ASX: BHP), Commonwealth Bank of Australia (ASX: CBA), and CSL Ltd (ASX: CSL) make up a significant portion of the portfolio. These are well-established businesses with strong market positions and, in many cases, global operations.

But what I think is often overlooked is that the ETF does not stop there.

It also includes mid-cap and smaller companies such as Catapult Sports Ltd (ASX: CAT), Collins Foods Ltd (ASX: CKF), and Bravura Solutions Ltd (ASX: BVS).

That mix matters.

The large caps tend to provide stability and income, while smaller companies can offer higher growth potential over time. By holding all of them together, I believe the ETF creates a more balanced long-term investment.

Low costs

One of the biggest advantages of this ETF, in my opinion, is its cost.

With a management fee of just 0.07% per year, it is extremely cheap. That might not sound like a big deal at first glance, but over a decade or more, fees can have a meaningful impact on returns.

The lower the cost, the more of the market's return you get to keep.

That is one of the key reasons I often favour index ETFs for long-term investing.

Income and long-term returns

The Vanguard Australian Shares Index ETF also offers a dividend yield of just under 3%, which I think will appeal to income-focused investors.

Australian shares are generally known for paying dividends, and this ETF captures that characteristic of the market.

On top of that, it has delivered returns of around 10.7% per annum over the past 10 years, according to Vanguard

Of course, past performance is not a guarantee of future returns. But I do think it provides some reassurance that a diversified, low-cost approach to investing in Australian shares can deliver solid outcomes over time.

Foolish takeaway

If I were looking for a set-and-forget way to invest in ASX shares, the Vanguard Australian Shares Index ETF would be high on my list.

It offers broad diversification across large, mid, and small-cap companies, comes with a very low fee, and provides both income and long-term growth potential.

The VAS ETF is not designed to beat the market. Instead, it aims to be the market. And for long-term investors, I believe that is often more than enough.

The post Is the Vanguard Australian Shares Index ETF a good long-term investment? appeared first on The Motley Fool Australia.

No legacy holdings. No past mistakes. Just a clean slate and all the experience you've gained along the way.

If I had to build an ASX share portfolio from scratch today, I wouldn't rush into stock picking. I'd start with a solid foundation, then layer in quality and growth.

Start with ETFs

First, I'd allocate around 35% to broad, low-cost ETFs. Why? Instant diversification. Lower risk. Less guesswork.

One core holding would be Vanguard Australian Shares ETF (ASX: VAS). It tracks a broad index of ASX shares, giving exposure to banks, miners, and industrials. Top holdings include Commonwealth Bank of Australia (ASX: CBA) and BHP Group Ltd (ASX: BHP).

To balance that, I'd add global exposure through iShares S&P 500 ETF (ASX: IVV). This ETF gives access to the world's largest companies, including Apple Inc (NASDAQ: AAPL) and Nvidia Corp (NASDAQ: NVDA).

Together, these ETFs create a strong base. You're exposed to both local income and global growth.

Add defensive income

Next, I'd layer in defensive, dividend-paying stocks in my ASX share portfolio. These provide stability and a consistent income.

Telstra Group Ltd (ASX: TLS) is a classic choice. It offers essential services, resilient earnings, and fully-franked dividends. Demand for connectivity doesn't disappear in tough times.

Then there's ASX share Transurban Group (ASX: TCL). Its toll road assets generate steady, long-term cash flows. It is infrastructure investors can rely on.

These types of businesses won't always deliver explosive growth. But they help smooth out volatility — and keep income flowing. I would allocate 30% of my funds to defensive ASX shares.

Build around growth leaders

Finally, I'd allocate the remaining 35% to high-quality ASX growth shares. These are market leaders with strong tailwinds.

CSL Ltd (ASX: CSL) would be high on the list. It's a global biotech leader with a long track record of innovation and earnings growth.

And I'd add NextDC Ltd (ASX: NXT). This ASX share is riding the surge in data demand, cloud computing, and AI infrastructure.

These companies aren't the cheapest. But they have scale, competitive advantages, and long runways for growth.

Foolish bottom line

Building an ASX share portfolio from scratch isn't about chasing the hottest stock.

It's about balance. Start with ETFs for diversification. Add defensives for stability and income. Then layer in growth leaders to drive long-term returns.

Get that mix right, and you give yourself the best chance of compounding wealth. No matter what the market throws at you.

The post Building an ASX share portfolio from scratch? Here's my game plan appeared first on The Motley Fool Australia.

Since the war began, ASX 200 shares have fallen 7.8%.

Most sectors, particularly mining, have been negatively impacted, while energy shares have soared due to higher oil, gas, and coal prices.

Earlier this week, we looked at the 5 most traded ASX 200 shares since the war began.

The trading data came from online investment platform Stake and covered the period from 2 March to 18 March.

Only one of the top 5 most traded shares was an energy company.

That alone was interesting, given energy shares are clearly the momentum trade of the moment, with the sector up 16% since 2 March.

The data also indicated another interesting and surprising trend — investors' desire to buy the dip.

Several of the most traded ASX 200 shares had experienced major annual declines, and the war had dragged them even lower.

Examples include CSL Ltd (ASX: CSL), Wisetech Global Ltd (ASX: WTC), Xero Ltd (ASX: XRO), and Zip Co Ltd (ASX: ZIP) shares.

This is a trend we've seen before among Aussie investors.

Last year, Stake trading data showed Aussies bought the dip during the April 2025 rout after the US announced its reciprocal tariffs.

10 most traded ETFs since the war began

In this article, we take a look at the 10 most traded ASX exchange-traded funds (ETFs) on the Stake platform since the war began.

This data is highly relevant given that so many Aussie investors are choosing ETFs over individual shares in today's market.

According to the latest market data, Aussies have a record $333 billion invested across 426 ETFs on the market today.

Here is the data from Stake. Remember, this data only shows volume of activity, so we don't know the split between purchases and sales.

However, we can assume that the fifth-ranked Betashares Crude Oil Index Currency Hedged Complex ETF (ASX: OOO) is buy-tilted.

ASX OOO has surged 47% in 30 days, and provides exposure to US West Texas Intermediate (WTI) crude oil futures (not the spot price).

We can also assume some profit-taking with ASX gold and silver ETFs, given the drop in gold and silver prices this month.

The gold price has fallen 18%, and silver has dropped 24% since the war in Iran began.

However, gold and silver remain 42% and 98% higher, respectively, over 12 months.

Source: Stake

The post Which ASX ETFs have Aussies traded most since the Iran war began? appeared first on The Motley Fool Australia.

But the approach I keep coming back to is far simpler.

And I think it has a very real chance of outperforming most investors over time.

That strategy involves gaining broad market exposure, a touch of global equities, and committing to regular investments.

Focus on broad market exposure

The Vanguard Australian Shares Index ETF (ASX: VAS) would form the foundation of a simple investment strategy.

This exchange-traded fund (ETF) gives exposure to a wide range of Australian companies, from banks and miners to healthcare and consumer businesses.

What I like here is that you're not relying on a handful of picks. You're capturing the performance of the broader market, which has historically delivered solid long-term returns.

It's simple, diversified, and effective.

Add global growth

The Vanguard MSCI Index International Shares ETF (ASX: VGS) complements that perfectly.

It opens the door to global leaders across industries like technology, healthcare, and industrials.

Many of the world's most dominant companies aren't listed on the ASX. The VGS ETF gives you exposure to them in one investment, helping to balance out the local focus of the VAS ETF.

Keep investing consistently

This part of the strategy isn't complicated. It involves regularly investing into these ETFs, regardless of what the market is doing.

Some months you'll be buying when prices are high. Other months you'll be buying during pullbacks.

Over time, this dollar-cost averaging approach helps smooth out your entry price and removes the need to time the market.

Let compounding work its magic

This is where things start to get interesting. With compounding, returns begin to build on top of previous returns, and the effect accelerates over time.

It won't feel dramatic early on. But over years and decades, the difference can be significant.

The key is staying invested and reinvesting any income along the way.

Why I think it can outperform

Many investors underperform not because they pick bad investments, but because of behaviour.

They chase momentum, react to headlines, or try to time market moves. This strategy avoids those pitfalls.

It keeps you invested, diversified, and focused on the long term. And while it may not feel exciting, I think that's exactly the point.

Foolish takeaway

A simple approach built around broad market ETFs like Vanguard Australian Shares Index ETF and Vanguard MSCI Index International Shares ETF may not grab attention day to day.

But by combining diversification, consistency, and compounding, I think it has a strong chance of outperforming more complex strategies over the long run.

The post This simple ASX strategy could outperform most investors appeared first on The Motley Fool Australia.

Here are three Vanguard exchange-traded funds (ETFs) I think are worth a closer look as we head into April.

Vanguard Diversified High Growth Index ETF (ASX: VDHG)

The Vanguard Diversified High Growth Index ETF is the kind of fund I think of as a set and forget option.

It bundles together multiple asset classes, including Australian shares, global equities, and fixed income, into a single investment.

What stands out to me is how it simplifies decision-making. Instead of choosing between regions or sectors, you're getting a pre-built portfolio that automatically rebalances over time.

In periods where markets are volatile, that structure can be useful. You're not trying to pick the exact winner. You're staying invested across everything.

Vanguard Australian Shares Index ETF (ASX: VAS)

The Vanguard Australian Shares Index ETF offers investors something more familiar.

It gives broad exposure to the Australian market, including banks like Commonwealth Bank of Australia (ASX: CBA), miners like BHP Group Ltd (ASX: BHP), and other large domestic businesses like Wesfarmers Ltd (ASX: WES).

This is particularly useful for income investors. The Australian market tends to offer higher dividend yields than many global markets, supported by franking credits. The VAS ETF captures this.

At the same time, it still provides exposure to companies that benefit from economic growth and commodity demand.

Overall, I think it's a simple way to anchor a portfolio in the local market while collecting income along the way.

Vanguard FTSE All-World ex-US Shares Index ETF (ASX: VEU)

The Vanguard FTSE All-World ex-US Shares Index ETF fills a gap that many portfolios overlook.

A lot of global investing ends up heavily concentrated in the United States. The VEU ETF deliberately excludes the US and instead provides exposure to Europe, Asia, and emerging markets.

That changes the mix. You're getting access to different economic cycles, currencies, and industries that don't always move in sync with the US.

In a world where diversification matters, I think that's an interesting angle to add.

Foolish takeaway

The VDHG, VAS, and VEU ETFs each serve a different purpose.

One simplifies everything into a single portfolio, one anchors you to the Australian market and its income, and one expands your reach beyond the US.

Together, I think they can complement each other and help build a more balanced portfolio.

The post 3 top Vanguard ETFs I would buy in April appeared first on The Motley Fool Australia.