13 October 2024

Hey team. For the purpose of debt recycling is there any restriction on what etf can be use. Or is it the case that as long as it generates some income through a dividend it’s ok from an ATO perspective. I’m thinking of an all IVV option given the lower dividend as I don’t want the additional income. Thanks

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21 October 2022

Hey folks - I see there is an option on the settings to auto invest any dividends automatically - as I have already set this up with computershare I assume I don't need to redo this on the platform - are there any benefits to this approach that I am missing ( or do some of the equities not have this capability? )

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30 July 2024

Is it okay to hold both IVV and VDHG? I know VDHG is more diversified but I would like more access to US market as well. Pros and Cons anyone. Thank you 😊

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6 May 2024

Hi everyone Fairly new to ETF world, and yeah it's so overwhelming with SOO MANNY ETFs arghhhh - its like a bag of Skittles... everything looks tempting to buy. Im 38 and looking for passive income streams with long-term investment, i have a full-time job, have some money saved in a HISA. Looking for ways to improve my current setup/ streamline it for simplicity and growth, at the moment i have some money invested in DHHF and DCA'ing 700$ every 3 months I also have a RAIZ Plus with some money invested there and my current allocations are (DCA"ing 100$ a month) 5% in Bitcoin 95% is broken into several ETf's areas HACK 4% RBTZ 4% FANG 4% SEMI 4% NDQ 23% VAS 24% IVV 32% Im just a bit stuck/confused on what to do going forward, part of me is saying move it all into DHHF and leave it ,or switch to a few satellite ETFs that complement DHHF. Thanks :)

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12 July 2024

Hi guys, I am considering of just maintaining just 1 ETF instead of having 3. I only held those ETFs for less than 12 months so if I rebalance, would I be taxed more? TIA

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13 July 2024

Hi Everyone, This year I have been automatically opted into Quarterly activity statements due to personnel investments (ETF’s + bank interest). I was not aware such a scheme existed and haven’t heard it mentioned in the community/ podcasts before… I am now aware that: Individuals are obliged to pay PAYG installments if their most recent tax return shows more than $4,000 in gross investment and the tax due on your most recent notice of assessment was more than $1,000… I was wondering how others navigate this quarterly bill and there approach (understandable if an advisor were to be involved)… Do others budget/put aside for this each week? (and reduce there savings rate/investments rate) or supplement it from other “buckets” and top up at tax time? This is new to me and would love some more conversation around this.. Thank you

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21 May 2024

Hey everyone, I’m brand new to investing and wondering if anyone has any advice for starting out and better understanding the investing world?

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16 May 2024

What’s the difference between a unit and a share

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22 May 2024

Hi! Like most people, I’m new to investing and recently bought some VAS. I received a letter from Computershare Investor Centre requesting I login to investorcentre.com and add in my details and provide TFN. Can someone explain what this is and is it legit? Why do I have create a separate account from Pearler? It feels like a scam so I wanted to ask about it

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4 July 2024

How do you buy an Australian government bond?

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2 June 2024

Is there any benefit of having both A200 and A300 ETFs in my portfolio. I currently invest in A200 and am wondering if I should replace this with an A300 index or simply add this to my existing portfolio?

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3 August 2024

Int ETFs - why do share value go up when they ASX is open, when actually the US markets may have opened about 10hrs before ASX (diff day though) and closed about 4AM Sydney time?

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20 December 2022

Hi, I'm wondering what are the advantages or disadvantages of investing every 2 weeks vs every 6 weeks over the life of my investing time frame? I'm trying to come up with a strategy to limit brokerage fees as much as possible while also maximizing returns. For arguments sake, the amount will be $2,000 every 2 weeks and $6,000 every 6. Thanks!

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25 June 2024

I wanted to borrow money to invest in VAS/VGS combo from my investment property equity. I am more leaning towards investing through trust to distribute income to low income partner and also thinking asset protection. Thinking of borrowing 200k+. Please suggest pros and cons regarding investing through trust. 44 and 39 yrs of age. Thanks

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24 June 2024

Hi Pearler community Was just a little curious about keeping a financial advisor or whether it’s time to move on. They’ve done a great job with my financial situation for the last few years but I’m just wondering whether the $2000/year approx that I get charged from super is worth it. My super and managed fund are doing well with their help to set up and my mortgage is ok. They already have a relationship with my mortgage broker which is helpful but sometimes I don’t really get many updates after our yearly review of my situation. I don’t really want to take on everything myself so maybe keeping them may be smarter. Any suggestions or tips would be greatly appreciated. Lee

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14 July 2024

Unsure whether this area is separate to the FIRE site but I just wanted to know whether there are specialist portfolio reviewers. I know there is no such thing as the “best” portfolio but it would be nice to know whether the investment vehicles selected are “good” quality. The type of professional I have in mind is like a broker etc that is aware of all the different ETFs etc and can comment on which ones have been solid performers. As far as I can deduce the whole investing thing doesn’t differ much from going to the track - it’s all a gamble.

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24 July 2024

Hi everyone - brand new to pearler and to investing . Learning a lot and going to invest in our first two ETF’s this week . My hubby and I just wanted to ask a general question - how did you decide wether to invest extra money into your investments ( instead of a weekend away or toys for kids etc ) or wether to do things like save for a holiday and eat out / relax and enjoy life a little more ( not extravagant - just the usual type of family thing once a fortnight ). Silly question but I’m grappling with weighing up the enjoyment of life now and being wise for the future. Is it a case of making sure the basics are there in cash in the bank ( so it’s not tight ) and then true surplus only become extra you invest (eg:100 a month ) ?? I’d so appreciate hearing how others thought about this when starting out . We aren’t flush with cash but aren’t struggling either . We own horses on property so there is always expenses - unexpected things plus private school fees , kids cost a lot lol !!! Thanks in advance .

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18 September 2024

I'm new to ESG investing and want to keep it simple. Is DZZF a good all-in-one ETF? Would adding ERTH or IMPQ be too risky or not diversified enough? I'm concerned about greenwashing and whether more specific sector ETFs are better for sustainability. Can anyone share their thoughts?

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5 September 2024

Hi folks, I'm new and need advice on asset location. Should I hold Australian or international shares inside super or in a taxable investment account like Pearler? I'm a high-rate taxpayer with a buy-and-hold strategy until retirement. Considering tax on dividends and CGT, I'm thinking of putting VGS in the Vanguard account and Australian shares in super for franking credits. Am I on the right track? Thanks!

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14 October 2024

I’m considering early retirement and looking for advice from those familiar with FIRE. I'm in my 40s, single and no kids, have $450k super and $700k in ETFs, plus a paid-off home. My current job pays $110k but is taking a toll on my health. I spend less than I earn and could reduce my expenses further if needed. Do I have enough to retire early, using my investments until I can access my super, and potentially tap into home equity later? I’m concerned about not having enough or being able to return to a high-paying job. How do you overcome the ‘just one more year’ mindset and trust your plan?"

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