1 October 2024

Hello I am starting my investing journey. Im keen on investing in VDHG. This maybe a stupid question but just wanted to know whether I have to invest 500$ everytime I want to buy the ETF? Also any advice for a newbie is welcome Any feedback is welcome

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24 February 2024

Hi all, I like NDQ, QUAL and MOAT for the 10 year performance. ATM i have 50% NDQ and 50% MOAT to take a bit of volatility out of the NDQ. I can't decide on what ratios or just have one ie my thoughts are 100% NDQ, 100% QUAL, 50% NDQ & 50% QUAL or 33% NDQ & 33% QUAL & 33% MOAT. There is more double up between NDQ and QUAL but QUAL is a bit more actively managed i guess. Any thoughts?

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31 March 2024

Hi all I am a 20yr old Boilermaker/Rigger looking at starting my FIRE , my question is what would you do differently if you could go back in time and restart your journey in investing or even everyday life, e.g buying a house and using equity towards something different , any personal life learnings/teachings could help me tremendously , I love hearing things from different perspectives as it helps me understand things as everybody’s cards are dealt differently and people phrase things differently which also helps deepen my knowledge on a subject, thank you and looking forward to hearing from anyone :)

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27 September 2022

VAN0111AU units from Vanguard personal investor account? I am looking at transferring shares and managed funds across

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2 August 2022

Not strictly an investment per say but I’ve become eligible for a “Trade Support Loan” of up to $22,000 paid over the next 4 years of my apprenticeship. It works similarly to a HECS debt, I pay it off once I reach the wage threshold but with 0% interest. I also retain 20% of the loan if I complete my apprenticeship. It has a 6 month opt in/out and to me seems like a no brainer but a wise man once said there’s no such thing as a free lunch. Is there something I’m missing here in terms of potential risks, I’m just so sceptical when it comes to anything loan related. Would appreciate any advice, thanks!

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8 November 2022

I really Like the Net Wealth page in the Dashboard however adding crypto to it doesn't seem possible. Just wondering if there is a way around this or if it is a feature that will be coming soon. Thank you :)

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12 January 2023

Hi, I am considering using the Roundup feature. Just wondering if anyone else uses this feature and if its worth setting up. Thanks

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8 January 2023

Is it possible for me to transfer my shares held with Sharesies over to my Pearler account?

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4 July 2023

Hello fellow Pearlers! New starter here. My wife and I (36 years old; living in Melbourne; 2 year old son) have built up some savings and have had numerous debates between buying our first home vs/and investing in ETFs (another discussion!, but heading down the ETFs route for now)... At the moment we plan to start investing a significant chunk (e.g. >50K to start) of our savings in EFTs, but slightly overwhelmed by all the possibilities/factors (the recent volatility and reserve bank hikes not helping - yes @Dave Gow we have read your book and trying not to let this impact us too much!... it is hard!... 😊). Main thing we are trying to think through is our best options with ETF (or potentially LIC) portfolio. I guess key things on our mind are: 1) Diversity vs. redundancies between ETFs (e.g. better to just put more into 1-2 diverse ETFs with low fees to keep simple and save on fees? etc...) 2) Taxes and fees (e.g. US ETFs seem to have more growth, but assume there would be tax implications if sold, or on earnings along the way – better to find a similar Australian fund). How do ‘hedged’ funds fit within this – are they consider Australian in that regard…? A bit confused by that…? At the moment we have these as candidates: VAS/ASX, VDHG/ASX (seem to have higher fees), A200/ASX, IVV/ASX, VOO/US (overseas). It is tempting just to go with the latter three – perhaps with most in A200… ? I know folk can’t give specific advice – but any thoughts on current options or things we are not considering appreciated! Thanks in advance

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12 August 2023

Hi Pearler community, Iv started this year investing into etfs and have been learning about all there is to know about etfs and the stockmarket and have been really keen and interested and still learning. Currently in late 30s with a young family and a mortgage that were also focused on paying off. Currently invested into Vgs and Vas using DCA.However I'm looking for further reducing risk as well as additional diversification into other asset classes both in Aus and overseas by adding additional etfs for the time being. Is anyone looking into bonds ie iaf (or femx fund), Reits or emerging markets for growth and hopefully Income to even out the downturns in the market in my portfolio. I understand everyone has their own investment strategy,goals,risk tolerance and path based on their own situations so was just wondering people's thoughts and what they use? Just wanting to keep things simple so looking currently at a 3-4 ETF/managed fund portfolio that I can keep DCA into for the next 10 years and onwards. Much appreciated

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19 August 2023

Hi, I would like to know how to transfer from stockspot to Pearler. I am invested in ETF'S only at stockspot. Is that possible?

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20 August 2023

Hi I’m just wanting to know how to move my shares from Vanguard over to my other shares with S&P 500?

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16 November 2023

Hi Pearlers, I am new here just looking to save on fees and unify my 2 accounts on other platforms. I currently have a RAIZ ‘sapphire’ account which I make weekly contributions to + roundups (since 2016) And then I have been purchasing individual AU and US stocks on the sharsies platform a few times per month for the past year . Can someone recommend the best package option on here to carry on doing as I was Many thanks Dan

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5 January 2024

I get notifications sometimes saying I have gained an amount of pearls, what is that?

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3 April 2024

Are there any downsides to choosing US ETFs over AU ones? Some of the US ETFs outperform AU ones, but as an Australian citizen are there issues with tax/currency conversion that make investing in US ETFs unviable (or no better than AU ones)?

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26 February 2024

I want to start my kids on their investment journey and get them involved. What is the best way to do that?

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14 October 2024

People say VDHG is complicated for tax returns, but I don’t get it. I’m new to this and thought you just send the Pearler files and Vanguard’s annual tax statement to your accountant. Is it only complicated for those doing their own tax returns?

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29 September 2022

Currently i receive cash payments for the dividends i receive into my bank account. How do i change this so that the dividend paid actually purchases more shares in the company rather than receiving the cash.

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8 October 2024

Hi there, I’ve recently bought my starter home but am trying to balance living in the present with my long-term goals: 1. Eventually reaching FIRE while keeping my mortgage manageable 2. Upgrading my PPoR down the track I have an offset account, but my mortgage allows me to pay down only $10k extra per year. For those already on the FIRE path with a mortgage, what’s the best strategy? Should I focus on paying down my current mortgage before refinancing to lower it, or would using my offset account as a deposit work just as well? I’m not interested in investment properties or taking on a second mortgage. Thanks in advance!

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14 October 2024

I’ve noticed there are options like Growth and Higher Growth that seem to offer better returns based on the comparison tools. I’m thinking about switching to a higher growth option and leaving it for the long term. Is this a smart move? Are there any risks I should be aware of, and do I need to keep a close eye on the returns if I make the switch? Thanks!

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