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Start with one ETF, add the ones that fill its gaps, and see your mix as a chart. Then test any other ETF to see how much of it you already own.

VGS: 50%, $5,000VAS: 30%, $3,000VAF: 20%, $2,000
VGS 50%VAS 30%VAF 20%
$5,000
$3,000
$2,000
Total100% ✓
Blended fee0.13%$13 a year
Yield1.9%$186 a year
5 yr return8.9% pablended, past
Companies…different ones
Doubled up…one ETF

Goes well with your portfolio

VGEAdds emerging markets

Thousands of companies in emerging markets such as Taiwan, China and India.

0.48% fee
VISMAdds smaller overseas companies

Thousands of smaller overseas companies that the big global ETFs leave out.

0.32% fee

Suggested shares are common starting points, not a recommendation for you. Adding one shrinks the others in proportion.

About your ETFs

VGS
Vanguard MSCI Index International Shares ETF
Overseas shares · Vanguard
50%
Yearly fee0.18%
Yield1.2%
5 yr return12.5% pa
Companies–
Fund size$18.7b
Biggest holdings

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What it leaves out

No Australian companies, no emerging markets, no smaller overseas companies and no bonds.

VAS
Vanguard Australian Shares Index ETF
Australian shares · Vanguard
30%
Yearly fee0.07%
Yield–
5 yr return8.7% pa
Companies–
Fund size$26.7b
Biggest holdings

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What it leaves out

No overseas companies, no emerging markets and no bonds.

VAF
Vanguard Australian Fixed Interest Index ETF
Bonds and cash · Vanguard
20%
Yearly fee0.10%
Yield3.5%
5 yr return-0.1% pa
Companies–
Fund size$3.9b
Biggest holdings

We don’t have holdings for this fund yet.

What it leaves out

No overseas companies, no Australian companies and no emerging markets.

Fees, yields and returns are from the ASX Investment Products report as at 30 September 2026. The 5 year return is a yearly average, after fees and before tax, blended by your shares. Holdings come from each fund manager’s published holdings. “Already own” means the share of the new ETF’s money in companies at least one of your ETFs holds. Suggested ETFs and shares are common starting points, not a recommendation for you. Your mix is kept in the page address only. Past performance is not a reliable indicator of future performance.

General information only, not financial advice. These figures are estimates from the numbers you enter and the data shown. They don’t consider your personal circumstances. Check with the ATO, the fund’s own documents or a licensed adviser before acting on them.