21 May 2025

Hi all, I am new to investing and after some guidance! I have started small with 2 different ETFs that I bought manually. I have just set up a weekly deposit to manually buy more when I have enough saved up. What should I be doing with my dividends - reinvesting/taking out etc.? Any tips are very appreciated!

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24 May 2025

I'm quite new to pearler and my investment journey and have been familiarizing myself with the dashboard and it's available features in order to understand and utilize them maximally. I own a couple different ETF's and have since come across the Tag feature and its display column. What is the clear stated purpose of this feature exactly and how might I make the most out of its use? Same goes for the section targets. Is this simply to divide up individual stock or ETF's under categorical tags and then create a clear stated manual target balance ratio between each of them? If so, how is this different from setting up automate?

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25 May 2025

Hi - I am curious what everyone is using to track their dividends each year? I want to go back 3+ years and pull together the history and then keep it updated. Are you using Excel or is there an easier app/software available? It also isn't clear to me when doing this kind of exercise, do we include franking credits or not? As always, I greatly appreciate this forum & all of your knowledge. Thanks.

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1 June 2025

I have 20 grand to invest. My goal is to be able to contribute to this weekly (50 or 100) and then in 5-10 years take it out for a house deposit. Where should I invest

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27 May 2025

Hello, I am new to investing, and haven't taken the leap yet as I am trying to work out the best option for me. I am currently thinking I will debt recycle and buy my first shares this way (100k). I understand the concept/risks/etc. Now, before I discovered DR, I had worked out what I wanted to invest in, and I wanted to reinvest monthly into these ETFs that were performing below target weight using Pearler. This is where my confusion lies. From what I have read, its not a good idea to reinvest my earnings/dividends to buy more shares because I purchased these through Debt Recycling initially. As understand it, its best these dividends go to my offset account of my non-deductible portion of loan to slowly pay that off. So my question is, how do I restructure my portfolio/invest more into these ETFs so that it wasnt a waste completing the DR exercise in the first place.

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20 June 2025

I am 62 years old and know nothing about the stock market. How sad! But I am debt free and do casual work. My super balance is good. I want to take $20 000 out of my savings account and invest it via Pearler and leave it there for 10 years. I am thinking of 40% Vanguard Aus 40% Vanguard international and 20% Emerging Markets. Then setting it on auto? Sound good?

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18 June 2025

New investor here- I started last May while I'm playing with pearler acct, I noticed the “compare” word. I found out that there is some overlap with my VGS AND IVV. IVV is for my toddler. I have read some comments online that there is also diff between the two and it’s ok to leave it. What do u think? Im planning to get another one which is VAS. What do you think?TIA

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15 June 2025

I've been investing for the past 3 years and learning as I go.I've have ended up with a very tech and US heavy profile and lots of overlap. My profile has become messy as I own 20+ stocks , 4 that I regularly invest in (VHY,VDHG,NDQ and ETHI) My question is , what's the best way of selling down my portfolio that doesn't involve too much admin and extra cost? And best way to buid back my portfolio? Would like a more ESG approach, as well as maintaining good growth and returns. I'm thinking selling VDHG for DHHF, keeping VHY and ETHI, purchasing VESG and selling down most of NDQ. I'll keep some speculative and Blue Chip stocks I have - CRYP, ACDC,BTXX,FMG,QAU and ORG. My understanding is to check purchase dates and DRP contributions in the share registery and sell at least 1 year after ownership for CGT tax discount - admin heavy already 😅 Anything I should be looking out for ? Or common mistakes? Open to feedback about portfolio options too. Also i'll be doing this in the new financial year.

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24 June 2025

Hi All, I’m super new to this platform so I’m a little overwhelmed. Can anyone tell me how I can keep my Pearler fees to a minimum. Is there a minimum amount I should invest and how often I should do this. For example would I be best to invest 800-1000 once a month so that I receive a lower Pearler fee, or investing 250/wk? I’m sure I’ll be back with more questions and I appreciate any help :)

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18 January 2023

Hello Fellow Pearlers, Under Transactions -> Reports -> "US broker statements and documents" section, the W8-BEN Tax Form 1 has been automatically created by the US brokerage partner, DriveWealth. What do I need to do with this form? Does it need to be sent to the US IRS to reduce the withholding tax or the ATO? Thanks for your support here.

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29 June 2025

Hi there! We are new Pearlers about to start our investment journey! Thinking of the following mix: 40% A200 30% IVV 30% VGS Would love to know if this is a good and complimentary portfolio mix or am I missing something important? Thanks!

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14 April 2025

Hello everyone. I have my ideas, but I would love to hear from others on this. I believe diversity is key, with some built in resilience. My current thoughts:- AU shares 25% US only shares 20% Rest of world ex US 15% Emerging markets 10% AU bonds 15% Physical Gold 15% The goal being simplicity, diversity and protection... Open to ideas and recommendations on particular ETFs... Cheers

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15 April 2025

Hey there, I am 41. I have a house deposit that I'll be holding onto for a house in the next 2 years. However I really want to start getting into investing now. I realise I'm late in the game so I'm looking for a bit of advice for my investment journey of I guess the next 30 years or so. I have 5000 to put in right now. Then, we will put in roughly $400 / month going forward. More when my income in my new business increases. I don't have the luxury of starting 20 years ago so I was thinking of going with a ratio of safer vs something a bit more concentrated. Do I go all into an S&P500 such as VOO/ VTI / VT and just concentrate on that or should I do this with maybe 20%-30% in a concentrated sector (looking at AI) My thinking is that the concentrated sector could offer more in a shorter amount of time. Any advice for an older newbie would be great. Thanks!

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16 April 2025

Hi all! I've finally got around to reading The Barefoot Investor on a friend's recommendation, and it's got me excited about index funds. I've never invested in shares before, but from what I gathered in The Barefoot Investor, index funds seem like a safer bet. I'd be keen to get started, but I'm wondering if there are any drawbacks I should know about?

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21 April 2025

Hello! I’m a Computer Science student and will graduate with my Master’s in about a year. I'm hoping for a decent salary after that, so I’m thinking of getting a mortgage and buying a house in the next several years years. Right now, I have about $25,000 in a fixed term deposit earning interest, and I’d like to invest it, and since I’ll need it for a home soon, I want a relatively safe option. I know index funds are popular, but with a short timeframe, the risk seems higher. Am I better off saving any money I earn, or is there value in parking it in ETFs for a home deposit? I know that's a lot to unpack, but I'd love to hear your thoughts. Thanks!

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22 April 2025

Hi there, I'm looking to hear from anyone who has experience with Sharesight. I've never used it before, and I'm wondering if the paid version is worth it? To give a bit of context, I've got a pretty diversified portfolio, I invest in shares, ETFs, crypto, and property (with a mortgage). I'd love to keep track of my overall net wealth, and I'm wondering if Sharesight would fit the bill, or if you have any other suggestions? Tx

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28 April 2025

Hi there, I’ve just opened an individual account and started investing however both myself and my partner are contributing 50/50. We also both earn roughly the same salary. I’m wondering if I should open a joint account with him and if this will be better tax wise? We also have a baby who I would like to invest for. Should I keep my individual account for the baby but still in my name? Or is there a better way tax wise to have an account in his name? Thank you in advance!

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27 April 2025

Hello Pearler Team, I’m new to investing and am focusing on building a long-term strategy for passive income to retire my wife early and potentially semi-retire or work part-time in the future. I’ve come up with the following ETF allocation, which I plan to invest $3000 into every 3 months, with automatic rebalancing: • VAS - 20% • VGS - 20% • VDHG - 20% • NDQ - 15% • VHY - 12% • VGE - 13% In addition to this, I plan to invest $2000 every six months into individual stocks (Amazon, Coca-Cola, and JNJ). Could you provide feedback on this strategy? Is the allocation balanced for long-term growth and passive income, and would you suggest any adjustments? Additionally, do you have any tips on automating rebalancing and keeping an eye on my portfolio’s performance? Thank you in advance Aashish Adhikari

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6 May 2025

Hi everyone, I’m a newbie. I’ve been reading & listening to podcast to get information. I am 38 years old old, a community social work in profession (income is not substantial) but is able to put in 1k per month on ETF. I currently have equal parts invested in both vgs & Dhhf. Would this be a sensible decision. Do you have any advise at my age & the rate I put in if there is any other etfs I could potentially invest in for growth long term betwen 7-10 years? Thanks

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14 May 2025

Hi, I am new to the investment world and i have to admit I am feeling overwhelmed and not sure where to start. I am 40+ and don’t have a lot to invest at this moment. Please your advice would be appreciated. Thankyou

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