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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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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27 October 2024

I am looking to debt recycle and I understand that for this to be tax effective, each investment needs to generate income through dividends. Do the assets in the Pearler template do this? How do I determine which assets meet this criteria?

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28 October 2024

Hey guys only started investing a month ago and couldnt find any info on why NDQ has been peforming very well recently?What attributes to its growth right now? Thanks!

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28 October 2024

Hi, I’m in my mid-30s, new to ETFs, and looking for a long-term (20–30 years), low-fee, dividend-reinvesting portfolio. After doing some research, I'm looking to have ~60% US and ~25% AU and rest in other economies. I'm considering: - 65% DHHF for diversification and lower fees - 35% IVV for US exposure and low fees Since I'm already getting ~20% in Tech, I don't believe I need to add NDQ. Any thoughts or recommendations? Thanks!

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28 October 2024

Hi all. I've been working towards a debt recycling strategy and am now at the point of redrawing from my split loan and investing into a chosen EFT. One thing I wanted to check with the group was whether the fact that the split loan is in both my wife's and my name would impact the tax benefits gained on my tax return. Does the fact that the loan is held by both is us mean that I cannot claim the full tax offset on my individual tax return. Thanks !

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28 October 2024

Hi everyone, This may be a silly question but I’m new to the investing world and still learning how it works. When we invest in companies such as Apple, Amazon etc, how often/when is the interest paid? Thank you!

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29 October 2024

I’ve been investing for a year and decided to use a tax advisor to make sure my return is filed correctly. After sharing various reports, they suggested I register with Sharesight for more specific info, like year-end distribution statements for my ETFs (VAS, etc). Is using a third party like this necessary, or is there an easier way to access the details needed for the ATO?

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30 October 2024

I'm wondering what would be the best broker for DCA investment of $500-1000 per month.

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25 October 2024

**Hello everyone,** We hope this finds you all well! We’d love some advice from the group. Recently, we read *Strong Money Australia* by Dave Gow (thank you, Dave!) and feel like we’ve finally found the investment strategy we’ve been searching for over the past 10+ years. We’re fully committed to investing in ETFs—primarily VDHG with a smaller percentage in DHHF—and are in the process of selling an investment property to kickstart this plan. Now, we’re trying to decide between investing the entire amount upfront or taking a blended approach: investing half (~$250,000) initially and dollar-cost averaging (DCA) the remaining $250,000 over the next six months, alongside starting automated monthly ETF investments. Would the main opportunity cost here be the potential six months of DRP gains we’d miss out on if we don’t invest the full $500,000 right away? Are there any other considerations we should keep in mind? It feels a bit overwhelming to invest such a substantial amount all at once, but if it helps bring our F.I.R.E. date forward by even six months, it’s something we’re definitely willing to consider. Thanks in advance for your thoughts and feedback! *Dave and Jess*

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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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22 November 2022

Probably a stupid question, but was just wondering if etfs have compound interest or if it's only certain ones that do.

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14 October 2024

Hey everyone! I’ve recently set aside $10k that I’d like to invest instead of letting it sit in my bank doing nothing. I’m aiming for long-term growth but also want to be mindful of any risks. I’m open to different strategies—whether it’s stocks, ETFs, managed funds, or something else I might not have considered. For context, I’m not looking for something too hands-on, but I’m definitely interested in making informed choices. I’d love to hear your thoughts on the best options for maximising this investment. What’s worked for you, or what would you recommend to someone in my position?

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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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13 September 2024

What are the pros and cons of investing in real estate compared to ETFs? How do these two differ in terms of returns, risks, and overall investment strategy, and which one is generally more suitable for long-term wealth building?

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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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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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