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!

Like

0

•

10 March 2025

I'm seeking to begin my investment journey and was interested in starting with the ETFs market. What's some general advice with smart, safe and beneficial outcomes if I have $10000 to invest?

Like

4

•

23 May 2025

I am very new at investing and I have invested $3000 initially in VGS, IVV, VAS, VEU and Amazon. Is it worth investing in different ETFs or just stick to couple of good ones?

Like

0

•

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?

Like

0

•

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.

Like

0

•

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.

Like

0

•

10 April 2025

Hi new to investing and Pearler. Just starting off so wanted to know if anyone had any recommendations on good ETFs? Have done some limited research and was thinking vdhg, dhff and QQQ. Thanks !

Like

0

•

10 April 2025

To assess correlation between ASX-listed ETFs, I’m surprised I couldn’t find any quick & easy tool like https://www.etfscreen.com/correlation.php (working for US-listed ETFs only, like all the other tools I’ve found). Has someone ever found a similar free tool for the ASX? If not, is it part of Pearler’s roadmap? Given the strategic importance of diversification to reduce risk & improve performance, by avoiding overlap & excessive concentration. Especially as Pearler now gives the (great!) ability to choose our own ETFs for our superannuation. As these must be chosen even more wisely, such a tool has become critical for informed portfolio design IMHO. With this, Pearler would not only democratise passive investing further but also better empower us to manage our investments autonomously & effectively!

Like

0

•

11 April 2025

Hey everyone, just wondering how you made financial independence happen for you. What lessons and advice would you give to someone who wants to get started? What have you achieved so far? What did you invest in? Thanks in advance!

Like

0

•

14 April 2025

Hey everyone, My partner and I are in our 30s and have a baby. After some major life changes, I'm essentially hitting the reset button on my finances. I've just paid off all my debt and am starting a new job next month, which will allow me to save about $800 each month—allocating $200 for my kid and $600 for us. I'm considering investing in a Vanguard high-growth portfolio, or maybe going for a 70/30 split between VGS and VAS, as many of you have suggested. If you were kicking off with investing in your 30s, what would your strategy be? I'd love to hear any ideas!

Like

0

•

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!

Like

0

•

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?

Like

0

•

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!

Like

0

•

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

Like

0

•

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!

Like

0

•

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

Like

0

•

5 May 2025

What's the deal with DRPs and tax problems? I've heard that it causes tax headaches, but can anyone please tell me why? I'm investing in VDHG and plan for a long investing horizon; when I finally go to sell, will I need to find every VDHG statement I've ever received, like some other commenters have suggested. I want my investments to build as quickly as possibe over the next couple of decades, so a dividend reinvestment plan makes sense (alongside my regular investments). If I set up a DRP, how can I avoid the maximum amount of tax paperwork when it comes time to sell?

Like

1

•

6 May 2025

With the RBA likely to cut rates atthe next few meetings, is now a good time to invest in government bonds? I'm looking at GSBG26 and GSBG27 in particular as short to medium term investments and wanted to ask the pros and cons of this vs putting extra in the mortgage offset?

Like

1

•

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

Like

1

•

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

Like

3

•