14 November 2023

I'm fresh out of uni, just started working in Australia. I have some money saved up, some debts, and dreams of financial independence but also want to travel and think about buying a home down the track. What's the smart move for my finances? How can I balance those short-term trips with long-term goals like owning a home? Keen for any Aussie-specific tips or just some good old life wisdom.

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21 March 2024

I have 141 shares in VGS. I bought 55 in a single transaction at $96.76. Does Pearler allow me to sell only those 55 shares? If I go select "Sell VGS" and request to sell 55 shares, which ones are being sold? It isn't clear how Pearler selects the shares to be sold. Are they first in first out?

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26 February 2023

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29 July 2022

Asking here as I'm probably not the only one wondering (or am I?) but if I've borrowed money to invest in an ETF, and the interest is deductible, where do I put it when I fill out my tax return? Does it go in box 13Y as it relates to the ETF? Or is that box only for the fund to use if they have deductions claimable there? Do I use a different deductions box?

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21 September 2023

Hi there, I am a low income mum of 3 trying to invest for our future. I am currently investing with automated payments fortnightly into micro investments. I’m just wondering at what point do I move over to bigger etfs etc? Would this be a case of selling my micro and using that to invest into bigger etfs? Or is there a way to somehow transfer micro to bigger etfs? Thank you :-)

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24 June 2022

What are everyone’s thoughts on ASICs recent ruling around online financial discussions (https://asic.gov.au/regulatory-resources/financial-services/giving-financial-product-advice/discussing-financial-products-and-services-online/)? Could it extend to this type of forum or handing out our Pearler referral code? Having gotten into investing later in life than I’d (in hindsight) would prefer to have, the wealth of information out there now has been a massive help. I don’t feel like it existed years ago outside big financial/investment institutions or published works such as “Rich Dad, Poor Dad”. While I’m sure some of the discussions on the internet today are influenced by referrals or other biased ideas, at least the conversations are (were) being freely had.

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7 July 2022

I'm trying to work my way through finding companies in Australia to invest in who have small revenue ($10-20 million) with the objective of investing long term. There are so many small businesses that have the potential to grow and thrive, but given that there are over 2000 shares to search through, it's hard to sift through every company to find what I'm looking for. Does anyone have any suggestions on how to do this?

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31 July 2022

Hi There When I first started investing I bought shares in VDHG and ETHI just to get some skin in the game. After I bought the first few units I decided to go down a different route and now my portfolio is made up of a A200/VGS/VGE split to try diversify my portfolio. (Still holding the initial VDHG and ETHI units) Is there any benefit to my split compared to VDHG as a whole? I don't think it's necessary to sell anything off at this point and rebalance (Happy to be wrong). I just want to set & forget at this stage while I work my way through things and have a core portfolio that does the majority of the work Thank-you

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31 August 2022

Hi All, I hold VAS (14%),VGS (25%), VAE(13%)and NDQ (29%). I would like to DCA Every month. Now i am not sure to which etf should I DCA. I am in red on all of them. Thanks

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5 October 2022

I’m using auto invest with the lowest share strategy. Is it possible to exclude one of my holdings temporarily, or permanently so that no further purchases are made in this stock, but I still hold the stock?

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16 October 2022

I am confused about whether I need to fill out the W8-BEN form for ETFs such as VTS (US domiciled), I also own VGS, NDQ, IOO. I thought that if I bought ETFs on ASX, even though they track US market, I don't need to. Computershare enquiry says yes I do, Commsec says no. I am using more than 1 broker, so do I need a form for each broker?

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7 December 2022

I transfered shares to Pearler and so the average buy price is wrong and doesn’t show profit/loss properly. Is there a way to change the cost base/average purchase price?

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19 December 2022

Hi there, I’m a new investor and I would love to "gift" my parents (who are not very well off financially) shares and help them build their own portfolio. I was wondering if anyone had advise on what might be the best way to go about this. Can i open and account for them that is held in my name (similarly to a 'minor' account)? Or perhaps getting them to set up their own account would be the way to go? I’m also unsure of how gifting shares could affect their tax. Any advise would be really appreciated :)

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18 January 2023

Im new to investing, but I keep hearing everyone talking about investing into S&P 500 as a good option. When I searched the code theres several S&P 500 options? What’s the difference? Are they focusing on different sectors ? Is there one universal one everyone tends to choose ? Cheers

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4 February 2023

Hi, Is there a way to automatically reinvest Betashare and Vanguard dividends and prevent them from going to my bank account?

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16 May 2023

I currently hold shares in various Australian ETFs including VDHG, NDQ, ETHI, etc. My question is whether I should also be investing in US ETFs such as VOO. If these ETFs are made up of mostly the same/similar companies, are there any other benefits in choosing to go with US and AUS ETFs? Thanks!

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12 March 2023

Hi All, In my early 60’s and only started investing a few years ago as my partner and I have spare $’s and try to utilise all the tools like salary sacrifice an$ the bring forward rules along with spouse co-contribution. I signed up to the Barefoot blueprint, which has since closed. I purchased both Breakfree (IOO, STW, VAF, VAP & VSO) and Idiot Grandson (VAS, VTS & VEU) portfolios. Plus both AFI & ARGO. I have all of these in an auto invest setup, all with different percentages. The question is, am I diluting the benefits gained from dollar cost averaging by investing in so many ETF’s and LIC’s? TIA.

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27 September 2023

Hi all, I'm currently invested in VAS and IVV and am looking for something to give me non Aus and non US coverage. VEU looks good but I want to avoid anything domiciled outside Australia, and as I understand it VEU is domiciled in the US. Does anyone have a suggestion for an ETF that can round out my portfolio with some world exposure? I know I could have done VGS instead of IVV but I was hoping to keep the US and non US separate. Thank you!

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23 January 2024

I have paid off my mortgage at age 53. Now wanting to invest not trade. Looking at Australian ETFs and REITs. $340k in super. Would like to maximise my investment strategy so I can hopefully transition to retirement ( TTR) at 60.

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13 February 2024

When I first delved into investing in shares, I, like many newbies, became allured by thematic etfs and penny stocks. This was prior to becoming fully aware of the fees associated with ETF's or the extreme volatility of penny stocks. I have since thankfully invested in low-fee index funds, however am now left with the decision of selling off and moving my other stocks to consolidate. I realise there is no right or wrong answer without being able to predict the future, but I was wondering if you could talk through the pro's and con's of consolidating my investments. For context, I am looking to invest over a long timespan, however am not sure whether selling my ETF's/paying CGT goes against the adage of 'never sell/never interrupt compounding'.

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