12 November 2024

Hi, I have a few basic questions about the companies that issue ETF like Vanguard, BetaShares etc: How do ETF providers make money? If I buy ETFs through Pearler, does any of the brokerage fee go to the ETF provider, or do they earn in other ways? Are ETFs fully backed by the assets they represent? Does the ETF provider hold 100% of the underlying assets, or just a percentage? What happens to my ETFs if the provider goes bankrupt or into receivership? Thanks!

Like

1

•

12 November 2024

Hi everyone, I'm about to receive a $500k inheritance, and my parents are encouraging me to use it as a down payment on an apartment. I'm in my mid 20s with no kids, no debts and I earn around 100k a year. I’m weighing a few options: 1. Use the full $500k and take a small loan to buy my first home 2. Use $250k for a down payment, take a larger loan, and invest the remaining in ETFs 3. Invest the entire $500k in ETFs (considering to set and forget it with A200 DRP) Owning a place would be great, but I’m unsure about taking on a long mortgage, especially since I want to travel and might live in other states someday. What would you do? Thanks

Like

2

•

18 November 2024

Hi everyone! I’m trying to decide between VAS and A200 for my portfolio, but I'm not sure which one is the better fit. Can anyone share their thoughts on the differences between these ETFs and what factors to consider when choosing? Thanks in advance

Like

1

•

24 November 2024

Hi everyone! I keep hearing about currency hedging, especially for international investments, but I’m not entirely sure how it works or if it’s something I should consider? Could anyone please explain the basics and share when hedging might be beneficial? Thanks!

Like

1

•

26 November 2024

Hi all, I’m trying to decide between putting my money into individual shares or in Micro to get started. For those who've tried both, what are the biggest differences in terms of costs, returns, and ease of management? Any insights on which might be better for a beginner with a smaller budget ($100/month)? Thanks

Like

1

•

30 November 2024

Is there a point in micro investing (in dollars) when you should convert to full ETF’s?

Like

0

•

29 November 2024

@Grace Johnson recently asked about VAS or A200, I want to add in IOZ & VHY to the comparison chat! What do ppl think about IOZ (top200) in comparison to A200 & VAS? Considered to be as good/same? Its not spoken about so much. I have A200 but I am thinking to swap to IOZ because DRP takes so long to buy another unit in A200, you can get @ 3 units of IOZ for 1 unit of A200. Any thoughts on that? Im considering either swapping to IOZ … OR starting VHY & DCA to that monthly (being 50yrs old) for dividend that will come in time. Interested in your opinions wise tribe! (which is not financial advice :>) Cheers!

Like

0

•

2 December 2024

Hi all, Nowadays I have automated investing on my portfolio every 3 weeks. At work I got a bonus cash which o would like to invest on my portfolio but I don’t know what is the best way to do it, through individual shares, ETFs or funding my automated investment? Any thoughts? Thanks

Like

0

•

3 December 2024

Hi, My partner and I are about to debt recycle from our mortgage. We have a mortgage of 870k with 200k in offset. We would like to keep 50k cash and split our loan to have a 150k tax deductible portion invested in ETFs. We would like to invest $2000 per month after this. My question is would it be more beneficial to auto invest this or deposit into the non tax deductible loan to later split again and invest after the redraw reaches a substantial amount? Thanks!

Like

0

•

4 December 2024

I was wondering how many ETFs should I consider for a well-diversified portfolio, and how can I determine if there is overlap between them? Are there tools or strategies to help identify overlapping holdings to avoid redundancy in my investments?

Like

0

•

4 December 2024

Can someone please explain the differences between the DHHF and VDHG ETFs in terms of their investment strategies, asset allocation, and suitability for long-term growth? Which one would be more appropriate for someone aiming for balanced growth with moderate risk? Thanks!

Like

0

•

7 December 2024

If you have purchased a residential property in an SMSF and you finally switch to pension phase, how do you value the fund balance for the purpose of minimum 4% drawdown. Do you use (a) purchase price, (b) 15x net rent (like a commercial property), (c) take valuation from the bank assessment with a desktop valuation (d) onthehouse/view/realestate/domain .com.au, (e) land value (from a rates notice) (f) purchase price inflated by CPI (which was how CGT was done up to the 90s) (g) something else? Significance is that rental yields of "investment grade" properties are probably more like 2-3%, but the potential sale price may be appreciating. Super pension phase requires a minimum 4% (increasing with age), so even if you owned enough property for the net rent to cover your desired retirement pension, it would be non-compliant if you used the optimistic valuations provided by, say, onthehouse.

Like

0

•

29 November 2024

Hi all. I plan to invest monthly, long term - for the next 30 or 40 years. However we are planning to buy property in 3 years when we get citizenship. I have a deposit of $150 000 sitting in a bank account attracting 5% interest monthly. I will need that money when we do buy property so I guess my question is - do I let it sit there for 3 years or invest some of it and cash out (with fingers crossed) when we need it for a house deposit? In the meantime I will start investing smaller amounts every month. Beginner investor here just trying to maximise my time (I'm 41) Thank you x

Like

0

•

5 December 2024

Hi all, I know these questions have been asked before, so apologies in advance for any repetition! - Joint brokerage accounts: For long-term investing (10+ years), should my wife and I each open separate brokerage accounts and split our investments 50/50? Would this reduce tax obligations in the future? Are there any downsides to doing this? - DHHF vs. VDHG: These two ETFs seem to come up a lot as beginner-friendly options. I’ve read that VDHG isn’t as tax efficient—does that make DHHF the better choice? Or is it more like choosing between Michael Jordan and LeBron James: both are great, so just pick one? - Dividend reinvestment: I understand DRPs are set up through Computershare or Link Market Services. Once I buy an ETF through Pearler, is it as simple as enabling auto reinvestment? Also, if the dividend is smaller than the cost of an ETF unit, do they issue fractional units, or how does that work? Thanks so much for your advice! 😊

Like

0

•

11 December 2024

I want to look at investing in bonds for my kids. Can I do this via pearler? How do I set this up to take advantage of the 10 year rule so neither of us has tax implications?

Like

0

•

5 December 2024

Someone told me that it might be possible to set up an SMSF that owns your PPOR, effectively renting your home from your SMSF. Also that then expenses like strata fees could somehow be deductible for the SMSF? Is this true? Or did I completely misinterpret what they said? If it’s true, where should I look to learn more about this?

Like

0

•

11 December 2024

Hi there, here is something I've been struggling with for a few weeks. Background: * I'm looking to retire in 10-15 years (depending on market, salary growth, life events etc...) * Looking to minimise tax through salary sacrificing super (can add 10-14k per year depending on bonuses under the concession threshold) * Don't want to sacrifice time to retirement by putting too much into super and not having enough to live for potentially 15 years before I can access super. Keen to hear how other people in similar circumstances manage this when the investment timeline is 10+ years.

Like

0

•

9 December 2024

Hello everyone, My wife and I are looking to potentially have discussions with a financial advisor early next year, but we're unsure how to find a good one. We started investing in ETFs just under two years ago and have built a solid portfolio in that time. We also have a good superannuation fund and good stable income. Our primary goal is to buy a property, potentially by the end of 2025 or soon after, so we are seeking advice on this, as well as on our overall financial situation. Does anyone have recommendations for reputable financial advisors? How to find a good one? What should we look for? What are the typical costs involved? and any other advice in this area would also be appreciated. Thanks in advance, Ron

Like

0

•

11 December 2024

What are the advantages/disadvantages of salary sacrificing into super and taking advantage of the tax benefit vs getting paid now?

Like

0

•

5 December 2024

Hi all, I know these questions have been asked before, so apologies in advance for any repetition! - Joint brokerage accounts: For long-term investing (10+ years), should my wife and I each open separate brokerage accounts and split our investments 50/50? Would this reduce tax obligations in the future? Are there any downsides to doing this? - DHHF vs. VDHG: These two ETFs seem to come up a lot as beginner-friendly options. I’ve read that VDHG isn’t as tax efficient—does that make DHHF the better choice? Or is it more like choosing between Michael Jordan and LeBron James: both are great, so just pick one? - Dividend reinvestment: I understand DRPs are set up through Computershare or Link Market Services. Once I buy an ETF through Pearler, is it as simple as enabling auto reinvestment? Also, if the dividend is smaller than the cost of an ETF unit, do they issue fractional units, or how does that work? Thanks so much for your advice! 😊

Like

0

•