www.aussiefirebug.com/aff/In Today's episode we chat about:- House deposit vs investing - Investing through trusts- ETFs vs LICs in market downturnsQuestion (3:00)Hi Firebug!Loving the content and hearing all the great questions from listeners on Friday’s, keep up the great work. I’m hoping to hear your opinion or what you would do in my shoes if possible :)My husband and I are 36 with a 2 &1/2-year-old and thinking about expanding our family because you know by this point sleep is a distant memory anyway!We’ve got a nice emergency fund, zero debt and have just started to invest in ETFs. Super is currently sitting at about $150k. Right now we’re really fortunate to have free housing but are keen to get into a place of our own as we can’t stay here forever.We keep going back and forth between what’s best to do which is where I’m curious to hear what you have to say.We’re currently saving towards a house deposit and looking to have about $100,000 saved before we buy in SA. Until we reach that goal in approx 2 years our plan was only to invest about $5k a year into ETFs. But we’re not sure if we should beef up that amount we’re investing instead of saving so aggressively for the house because we’ve had investing on pause for 2 years while we cleaned up debt and got an emergency fund together.One of the things that drives me nuts is the brokerage fee with such a small quarterly trade, but hey what can you do (I plan to get on to using self wealth this month!)What do you think you would do in our position, and why?-AmyQuestion (11:33)Hi Aussie Firebug,I just came across your blog as I was searching on how to buy Vanguard Index funds (VAS, VGS) Thank you so much for your blog, you made it very easy for me to understand.Just 2 quick questions:1) I am single, no kids or dependents. Would u recommend buying EFTs through a trust or just under my name? Is there any tax benefit when buying EFT'S thru trust in my situation?2) From what I've read on your blogs, VGS is domiciled in Australia so I don't have to pay taxes outside Australia. Is this correct? Based on your strategy, I might invest VAS 40% and VGS 60%Looking forward to hearing from you.Thanks a bunch!JonathanQuestion (20:07)Hey Aussie,I made an observation today which I thought was interesting. All the main indices were down (ASX200, All Ords, ASX200 Financials, ASX200 Materials, ASX200 Industrials) yet all the larger LICS I track were up (or in the case of AFIC, was flat).Thoughts on this?Regards,Michael