After learning what ETFs are, how they work, and how to research them, this episode focuses on decision-making—how to choose ETFs, structure your portfolio, and grow with confidence over time.

They cover:

- How to build a simple ETF portfolio from scratch

- The role of asset allocation and diversification

- Common beginner building blocks like A200 and global ETFs

- How your portfolio evolves as you become more experienced

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Topics Covered

- Recap: Risk profiles and choosing suitable ETFs

- Understanding risk in your portfolio:

- Market ups and downs

- Not all ETFs are equal

- Overconcentration risk (e.g. all Aussie shares)

- What is asset allocation?

- How diversification works in a portfolio

- Simple portfolio frameworks:

- Core and satellite approach

- Beginner ETF building blocks:

- Australian shares ETF (e.g. A200)

- International shares ETF

- Bonds ETFs

- How many ETFs should you have?

- Avoiding ETF overlap (and how to check it)

- How your portfolio evolves over time (beginner → advanced)

- Common mistakes:

- Trying to build the perfect portfolio from day one

- Holding too many ETFs

- Keeping your strategy simple and repeatable

Resources for this episode

- Buy Gemma’s book “The Money Reset”

- Ask a question (select the Finance podcast)

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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