Not suggesting anyone pay for financial services, but for reference here are the ETFs which Stockspot invests in (their first and second choice):
Australian Shares - 1) VAS, 2) STW
Global Shares - 1) IOO, 2) IVV
Emerging Markets - 1) IEM, 2) VGE
Bonds - 1) IAF, 2) VAF
Gold - 1) GOLD, 2) QAU
Stockspot was mentioned in the SMH today, alongside Betterment, Wealthfront, etc. Any comments? They seem to choose more expensive non-Vanguard funds a lot.
Encouraging to see that VAS is their choice for Aussie stocks, but with up to 50% in VAS according to their portfolios plus 10% gold I'd feel this was a little over-exposed to commodities.
Also, Wadiman, if you're still reading this thread then you'll note that Stockspot recommend 10% of your portfolio in gold, which happens to be the same as I suggested for you : P Just sayin'...