30 January 2024

I am brand new to investing and up until this date have had very simple tax returns which I was comfortable completing myself. My question is: Will my Pearler account link straight to my MyGOV like my bank accounts do? Does it change much for me at Tax time? I literally have no idea, i'm just a baby!

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19 October 2023

Hi can I buy a government bond via pearler?

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20 December 2023

I’m a beginner. I have been on here for about 2 months and started with micro-EFT. I feel comfortable with this choice and frequency of investment and can see growth already. My questions are do all ETF’s pay dividends? How frequently? Or do only some pay dividends and the rest you need to sell? How do you know which ones will pay dividends when it is a whole portfolio of EFT?

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28 January 2024

Hi, I am wondering why i should invest in ETF's vs Super. ETFs and super seem to offer similar returns but once i withdraw my gains, i am taxed way less in super vs ETFs at around 50%? Also, super offers the tax benefits for my income. Thank you

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9 July 2022

Hi, Please I just need clarification. Why is Pearler's VAS Unit price ($0.8) different from VAS ASX unit price ($82)? Regards, Edwin.

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3

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22 July 2022

Am I able to use my existing HIN to sign up to pearler, but still keep my other shares recorded with my existing broker?

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25 July 2022

Coming from a family where everyone always said pay off your mortgage asap and be debt free. It is hard to change my mindset to accept the interest for 30 years while I am investing. My question is. If I am able to pay off my mortgage relatively quickly (8-10 years). Should I pay that off then invest heavily everything once I am debt free? I guess the current rising interest and worldwide uncertainty is pointing me to pay off mortgage at the moment. Too short sighted?

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25 March 2024

My current core allocation is: CORE: IVV=50%, VEU=20%, I plan to move to Southeast Asia in 5-7 year. Considering this, I'm reevaluating my core portfolio, especially my investment in VAS, seeking alternatives to complement IVV and VEU. What would be suitable for my core portfolio considering my relocation plans? I believe I shouldn't be allocating more than 5% to VAS because I won't be an Australian resident in the future.

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9 August 2024

Can I directly transfer my portfolio to another person?

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22 June 2022

Hi, it's June 22nd 2022 and I am considering transferring my NAB shares from Computershare to Pearler. Dividends are due to be paid out by July 2022. If I transfer the shares now, would I still be paid my dividends due for July 2022, if yes, which platform will pay the dividends; Computershare or Pearler? Thanks, Edwin.

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3 March 2024

How for REITs and LICs differ in terms of dividends? Are they primarily about yield or growth? Should one invest in an ETF or individual REIT/LIC? How does one assess the value of either?

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25 August 2022

Bit of a odd question here but, I’m in a fairly new relationship (just ticked over six months together) and the topic of finance and investing has come up a few times. I want to gently encourage her to begin regular investing, we set up her Pearler account (yet to engage auto invest *sigh*) and I’m not sure when the best time to talk about *my* portfolio is. I set up my investing for a long time frame, but have been thinking about using some of my shares to buy (and pay off) a small acreage with the idea of that’s where I’d like to settle down and raise kids. I met her maybe six months after ‘FIRE-ing’ and have told her I vaguely have an online blogging business that I work on every now and then, and she enjoys the more relaxed lifestyle pace. she is about to graduate her Post grad degree and works in medicine so I expect next year her workload to increase… unless we end up with a baby on the way 😅🤰 We are on the same page about eventually wanting a family and she likes the idea of the property. She also comes from a very wealthy family (that live overseas), but I kinda feel like being from a wealthy family she’s not that phased by money or investing. I want to gently encourage her to start long term investing so when I do talk about it with her, she understands the investments are one of the main income sources for early retirement. She knows I’m into investing but doesn’t know the extent of having several million dollars in various investments (shares, ETFs, property, superannuation, websites) and I’m a bit scared to reveal the situation lest it change our relationship somehow? Any advice? Anyone been in a similar situation with family or partners? For the record my family also does not know about my investments

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5 October 2023

What's the limit for withdrawal to your linked bank account? For example if I sold 1 million worth of shares is there a daily withdrawal limit or can it be transferred/withdrawn in one go?

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2 November 2023

When people say to diversify between Australia and the USA / International ETFs does that mean both should be purchased from an Australian domiciled ETF (for franking credit benefits) or to diversify between Australian and USA / Internationally domiciled ETFs? Thanks

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8 January 2024

Hello, I cannot get my head around it and I hope that someone will explain to me in very simple steps how to reinvest my profits from shares (US and/or AU), not only from dividends, while investing on Pearler? I cannot find this info anywhere. I understand the concept of compound interest but I lack the knowledge how to imply it into my investment on Pearler.

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16 January 2024

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4 February 2024

In basic knowledge can someone explain how this works? If I invest $5 what does that mean, will this come back as more money? And how long do you wait for it to come back?

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17 November 2023

Hi everyone, I was wondering whether or not it is possible to say that REITs are rather moving with the share market or with the property market. I understand that different REITs have exposure to different types of properties and hence might behave differently. My understanding is also that most REITs concentrate on commercial property and that returns do not necessarily align with residential property. But being the more liquid-able asset compared to owning property outright, does that change anything about the dynamics of this asset class? I’m aware that roughly 6% of the ASX200 are coming from the real estate sector and that similar figures probably apply to other indexes. Ultimately it leads to the question whether or not additional exposure to REITs can be beneficial when not owning property. I acknowledge that this depends on personal circumstances, so maybe see it rather as a general discussion what REITs do to a portfolio in terms of market exposure, risk, expected returns and volatility. Cheers Dave

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4 July 2024

Hey everyone, I'm feeling a bit overwhelmed and am seeking advice on my investment strategy. Should I invest all of my cash into a single diversified fund like DHHF, or would it be better to spread my investment across a few different ETFs? What approach would be more advantageous for long-term growth? All advice is appreciated.

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28 August 2022

Hey everyone For background, I used to be with Stockspot when I first got started in ETFs. I've recently moved out of Stockspot's platform and onto Pearler, and have shifted my asset allocation to better suit my risk profile. I was actually wondering about everyone's thoughts on Gold as a defensive asset, or one that is not correlated to shares? Stockspot has had quite a large allocation to GOLD (approx 15%). There seems to be quite a debate around GOLD as an asset class, and I was wondering what people's thoughts were? Having been invested in gold for a short time period (approx 7 years) - I definitely noticed that in a diversified portfolio it did help smooth out returns, and tends to be oppositely correlated to stocks. Chris Brycki from Stockspot seems to like gold (i.e. good diversifier, hedge, insurance policy) (https://blog.stockspot.com.au/buy-gold/), whereas Ben Felix from PWL capital has a lot less of a rosy outlook - https://www.pwlcapital.com/will-gold-save-the-day/, (I.e. not an income-producing asset, highly volatile etc.) I'm sitting on the fence, and not too sure if I want to keep a small allocation to gold in my portfolio (say 5-7%)?

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