Exposure

Most investors holding S&P 500, Nasdaq, and other popular ETFs think they're diversified. They're not. These ETFs overlap heavily, with NDQ and IVV sharing over 60% of the same underlying stocks, concentrating your risk in a handful of US tech giants. At the same time, a 1% rate rise costs the average Australian mortgage holder $487 more per month. Exposure stress tests your entire financial picture: mortgage repayments under rate rises of up to 3%, portfolio drawdowns under market crashes of up to 40%, and the hidden concentration inside your ETFs. Know your real risk before the market finds out for you.