Finally in 2025 i have signed up with a USA based broker for stocks and etfs operating worldwide as well as had presence in Australia.
i have chosen to further invest in S&P500 etf and nasdaq100 tech etf along with existing investment in Gold and Silver ETfs in USA market.
sharing Charts and data below to indicate historic returns and future expectations.
2025 Scoreboard:
Silver: +130%Gold: +65%
Copper: +35%
Nasdaq: +20%
PSX: 60%
S&P 500: +16%
Russell 2000: +13%
Bitcoin: –6%
Ethereum: –12%
How to Distribute Assets and Build Portfolio
Gold 15%
Silver 5% or 10%
Stocks 50%
Vps or Super 15%
Crypto 10% or 15%
total 100%
Got a top-notch tip from a mate: in the Brokers account web browser, go to Settings > Dividends, and set up automatic reinvestment for long-term compounding. This way, it buys stocks in fractions at the best rates - aka DRIP (Dividend Reinvestment Plan). Over time, your stock holdings will increase 🚀.
In Australia, capital gains tax (CGT) on US ETFs and stocks works like this:
- Held for less than 12 months: You'll pay CGT on the full gain using the 'other' method.
- Held for 12 months or more: You can use either the discount method (50% discount on gain) or indexation method (adjusts cost base for inflation), whichever gives you a better result.
Keep records of purchases, sales, and distributions for CGT calculations
one of my Aussie colleague at Melbourne Airport shared great advice about saving on CGTax when we sell stocks/ETFs after holding it for more than 12 months that in normal circumstances when we are working as well we will be taxed on CGT tax on selling stocks based on our income levels it could be 50% too (as we know we will be eligible for CGT discount and Half of Capital gain will be tax free) so if we contribute that capital gain into our super it will be taxed just 15% instead of 50% CGTax
For example, if you've made a $10,000 capital gain and contribute the $5,000 taxable gain to super, you'd pay 15% tax ($750) instead of 50% ($2,500) or more, depending on your income.
The final dividend receivable number that you see, reflects all US withholding taxes being taken out. The US-Australia tax treaty is a game-changer for investors! 😊 It reduces the withholding tax rate on dividends from 30% to 15%, and in some cases, even 0% for certain pension funds or government entities. This means if you receive $1,000 in dividends from an American Stock or an ETF, you'll only pay $150 in tax instead of $300. To benefit from this reduced rate, you'll need to submit Form W-8BEN to your US financial institution.
Get up to $1000usd of free IBKR stock when opening an account at Interactive Brokers! for investment in USA and other global stocks and ETF Sign up with my link. https://ibkr.com/referral/
join my page on Facebook to look for further insights about Personal finance or Stocks an etfs i look in to https://www.facebook.com/profile.php?id=61587320574215
Prioritize Equity Over Short-Term Gains
While a high salary may seem appealing, true financial growth comes from owning a stake in businesses. Instead of solely chasing paycheck increases, focus on acquiring equity—whether through stock options, partnerships, or investments in startups. Equity allows you to benefit from long-term growth, giving you a share in the success of a company rather than just a fixed income. This strategy builds wealth passively and can yield far greater returns than a salary alone.
Leverage Compounding for Long-Term Wealth
One of the most powerful forces in finance is compound interest. By consistently investing in long-term savings accounts, index funds, or retirement plans or in assets that generate passive income like Real estate, dividend stocks, royalties, and automated businesses can provide steady cash flow with minimal ongoing effort.this way your money grows exponentially over time. The earlier you start, the more you benefit from this snowball effect, where interest earns interest. Patience and discipline in saving today can lead to substantial financial security in the future.
Optimize Efficiency, Not Just Effort
Increasing income shouldn’t always mean working longer hours. Instead, find ways to maximize earnings within the same (or less) time—whether through scaling a business, automating processes, or investing in high-return opportunities. Smart work, not just hard work, is the key to sustainable financial growth.
- At birth, invest $1k into S&P 500 index fund.
- Invest $100 every month until they're 21.
- By age 21, they'll have $109,000 invested.
- You can leave it alone and let it grow.
- By age 50, that money should grow to $2.6 million.
This is how generational wealth is built.
🚨IMPORTANT UPDATE🚨
This is how a $10,000 investment in the S&P 500 is allocated by holdings:
• $710 in Microsoft ($MSFT)
• $705 in Nvidia ($NVDA)
• $565 in Apple ($AAPL)
• $410 in Amazon ($AMZN)
• $350 in Google ($GOOGL)
• $310 in Facebook ($META)
• $240 in Broadcom ($AVGO)
• $185 in Tesla ($TSLA)
• $170 in Berkshire Hathaway ($BRK.B)
• $150 in JPMorgan ($JPM)
• $130 in Eli Lilly ($LLY)
• $125 in Visa ($V)
• $200 in Netflix ($NFLX)
• $100 in Exxon Mobil ($XOM)
• $95 in Mastercard ($MA)
• $80 in Costco ($COST)
• $75 in Walmart ($WMT)
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