She's On The Money Investing Diaries: How She Turned Early Investing Mistakes Into a $100k Portfolio
Feb 22, 2026
Anonymous Money Diarist, an early-career teacher and retail investor who built a diversified ~$100k share portfolio, shares her decade-long investing journey. She explains shifting from stock tips to ETFs, using dollar-cost averaging and automation, balancing mortgage/offset savings with investing, and why recurring orders became her best habit. Short, practical, and relatable investing stories.
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Dad's Telstra Tip Sparked A Learning Journey
- Anonymous Money Diarist started investing in 2015 after her dad recommended Telstra and she learned by doing despite early losses.
- That initial Telstra buy taught her the value of diversification and led to switching strategies over time.
Sold A Unit To Fund Offset And Shares
- She sold a previously owned investment property when rates rose and put proceeds into her offset and shares.
- Selling the unit provided a significant lump sum that funded both $100k in offset and larger share investments.
ETFs Simplified Her Portfolio And Lowered Fees
- She moved from individual shares to ETFs after reading and researching, finding ETFs simpler and diversified.
- She split holdings between ComSec (AFI, VAS) and Superhero (DHHF, S&P500 ETFs) for ease and lower brokerage.
