19 August 2022

Lets share our best first mistakes with investing.... I can go first, I didn't know that dividends that are reinvested within one financial year affects your taxable income for that year. I had assumed that it was only taxable if you redeemed the actual $ into your bank account or sold shares.

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22 July 2022

Hi I've just joined Pearler and am looking to invest in VAS. Will I get dividends paid with this investment? and if so, how often are they paid??

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5

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2 May 2022

Which ETFs have had most consistent dividends?

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6

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13 September 2022

Pearler has previously hinted at interest payments on Cash Accounts. Obviously that wasn't realistic while rates were so low near 0%. After several rate hikes and more to come I am surprised that Pearler hasn't made an announcement by now. Is it time to pay interest on Cash Accounts?

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25 July 2022

Hi Brains Trust! What's the difference between VDHG and VAS? I understand they are setup quite differently. But to a lay person, I can't tell whether there is any material difference in the end. They're both High Growth, do relatively well and track against the ASX200.

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2 May 2022

Hey all, If I want to invest 40% / 40% / 20% for VAS / VTS / VEU, which Autoinvest strategy will make that happen for monthly investing?

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2 May 2022

Hi everyone, I’m quite new to the platform, and so far I have only invested in VDHG. I've heard that most people would only invest in VDHG if they had to choose one ETF. May I ask why?

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9

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5 June 2022

Hey There! I do have a question about overlap of stocks in ETF's. A site I follow has an international model portfolio of VDHG (18%) - MGOC (8%) - QUAL (8%) & VGE (7%).I get VGE...self explanatory.Between VDHG, MGOC & QUAL......isnt there too much overlap of the top holdings? Even if you replaced VDHG with VGS (which I hold).Are there other reasons for chosing those 3 ETF's?

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9 June 2022

Hello, I am still very new to investing and only working with small amounts. I have tried to be diverse with my shares across different markets, also taking recommendations from people. I realise Pearler cannot predict what will happen, but I am seeing a fairly constant downward movement across all my shares, bar one or two. I don’t want to be watching prices and buying and selling all the time, that was one of my reasons for using Pearler. I wondered if there’s any advice on investment strategy, anything to do differently? Or is it a case of looking more long term?

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2 August 2022

I am doing vas- veu- vts bec collectively of their lower fees than vdhg. However factoring in the US taxes and 3rd yearly accomploshing of wben30 form, is it smarter to do vdhg?

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7 August 2022

I'm looking to sense check my understanding... 1. I'm just starting to build my portfolio, so trying to hit the ground running. I note that some shares are quite expensive (IVV = $500+, A200 = $100+), whilst others are considerably lower (BKI = $2.00). At first glance it seems to make sense to buy more of the cheaper shares, as dividends are paid per share and therefore with a DRP you'll end up growing the number of shares quicker? FOR EXAMPLE (estimate numbers used for ease of example) - IF I HAVE $1,000 TO INVEST: A) A200 = $100/Share = 10 shares x $1.50 qtr div = $15... carried forward as not enough to buy a new share yet B) BKI = $2/Share = 500 shares x $0.05 qtr div = $25... enough to buy 12.5 additional shares So it seems to make more sense to go with option B as the snowball effect of accumulating shares will happen quicker. Am I missing anything critical in my understanding? 2. If I'm buying shares to hold to create a passive income, then Capital Gains/Losses doesn't come into the equation? My understanding is that Capital Gains/Losses are only triggered on the sale of the shares. I may sell at some point, but not likely for another 30, 40, maybe 50 years - so not worrying too much about the selling side of things (as hoping I will be completely financially independent and any financial impact from selling will be neither here nor there at that point!) Thanks in advance for your responses. :)

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17 August 2022

Hi everyone, I was wondering about people's thoughts on VDHG vs DHHF? I'm really interested in the idea of shifting to an 'all-in-one' ETF, because I can't help but tinker at the edges, and I need to stop. I quite like DHHF, because it does not have any funds allocated to bonds, and as a young person, I'm comfortable with a pure equities portfolio - and have mentally survived market dips. (I've got a 30+ year time horizon). Some other points that come to mind: - While DHHF has some tax drag due to their underlying holding being US-domiciled, my understanding is VDHG has issues related to capital gains tax due to the fact it is comprised of unlisted managed funds. - I'm not sure if I'm entirely comfortable with Betashares' philosophy of continually bringing new niche ETFs to the market. I feel that I align a lot more with Vanguard's passive investing approach. And I'm a little worried that DHHF, which to date has only $185 million in funds under management, compared to Vanguard's 1.4 billion. Would it be possible that DHHF changes its asset allocations in the future? Or closes down the fund due to it not being profitable. - There's no track record really with DHHF, and I'm not quite sure what the buy/spread costs and liquidity are over the long-term (and if that matters)? Keen to hear people's thoughts.

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7 October 2022

I am wondering if it's overkill to think it's a good idea to 'hedge my bets' buy buying multiple ETF's which are more or less equivalent? For example, holding equal amounts of VAS and A200. I understand that the underlying assets are basically in a trust, so if there are any major issues with the ETF companies, the underlying assets/value should be returned to me... However, I'm thinking about other things, like what if, decades in the future, one fund raised fees excessively (maybe after a company take over), had technical or legal issues or something blocking distribution payments for some time or some other unforseen similar reason. Am I being overly cautious? Are my concerns not really a probablem? Are there any other concerns?

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2 May 2022

Hi there! What happens if, in 30 years when I have hundreds of thousands or even millions of dollars in shares, nobody wants to buy them? Is that even possible? I feel like a complete dolt for asking, but the idea is quite frightening!

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