4 November 2024

Are there signs to look for if trying to determine if a company has plateaued in terms of growth? Im thinking along the lines of tech companies like Tesla, Meta etc. Surely growth is finite or at least slows down at some point? Can markets sustain continued explosive growth like that?

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5 November 2024

What are pros and cons of the different pearler investment templates? Are their profiles that they are better suited to?

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6 November 2024

Hey everyone! I’m looking to start investing in the U.S. market and am considering VTS. I already have about $15k in Aussie blue chips. What do you think of VTS, and are there any other U.S. ETFs you’d recommend?

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7 November 2024

In the aim to become Financially Independent through investing, saving etc, how much cash do you keep in your savings, and why?

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4 November 2024

I am new to investing and have been DCA investing $300 monthly for about 18 months into 3 ETFs on the micro platform. I’m looking to continue to increase this amount as able (at this stage increasing $100/month each year as my salary increases). My question is when does this no longer make sense? When should you direct the money towards ETF shares instead of micro ETF shares? Or is it fine just to continue with Pearler micro even if say you were DCA $1000/month? Also, do people stop investing into micro, sell and take the capital gains hit and redirect the leftover into the “real” ETF shares or keep the micro shares and just have them and the new ETF shares portfolio?

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12 November 2024

Hi, I have a few basic questions about the companies that issue ETF like Vanguard, BetaShares etc: How do ETF providers make money? If I buy ETFs through Pearler, does any of the brokerage fee go to the ETF provider, or do they earn in other ways? Are ETFs fully backed by the assets they represent? Does the ETF provider hold 100% of the underlying assets, or just a percentage? What happens to my ETFs if the provider goes bankrupt or into receivership? Thanks!

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13 November 2024

Hi everyone! I'm trying to figure out my 'financial independence number', the amount I'd need to be financially independent and cover my expenses without needing to work. Does anyone have tips on how to calculate this or any resources to help me get started? Thanks in advance

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15 November 2024

Hi all, I'm looking into investment options for my kids to help set them up for the future. Does anyone have experience with this or recommendations on the strategies? Would love to hear any tips or insights on how to get started. Thanks!

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14 November 2024

I think I largely understand the concept but : Was does it practically look like When you split the loan , do you get adirect debit on the new loan (the debt recycled portion) that has to be paid monthly / or how do you repay that loan only at the end (if selling the house or finishing doing that ) You can add increase the volume of that debt loan amount ? What do you actually have to pay it all off ? ( maybe I don’t really understand it ) Plus presumably you could just do it for a proportion of the loan if you felt after that that you weren’t keen to keep doing ?

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12 November 2024

Hi everyone, I'm about to receive a $500k inheritance, and my parents are encouraging me to use it as a down payment on an apartment. I'm in my mid 20s with no kids, no debts and I earn around 100k a year. I’m weighing a few options: 1. Use the full $500k and take a small loan to buy my first home 2. Use $250k for a down payment, take a larger loan, and invest the remaining in ETFs 3. Invest the entire $500k in ETFs (considering to set and forget it with A200 DRP) Owning a place would be great, but I’m unsure about taking on a long mortgage, especially since I want to travel and might live in other states someday. What would you do? Thanks

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18 November 2024

I'm new to investing and find it quite confusing. Am I able to make an initial investment in an ETF, and then make continual monthly investments to the same fund? If I do this, will I be charged a fee every month when I invest more money? Thanks

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18 November 2024

Hi there, I’m starting to invest a bit later in life and want to make the most of my time and resources. What strategies or tips would you recommend for someone who’s just getting started in their 40s or 50s? Appreciate any advice or insights!

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11 November 2024

Hi, I’m hoping for some perspective. I’ve recently decided to step away from my long term employment and accept a voluntary redundancy. I’m 45 y.o my wife 46 and we have 2 kids aged 12 & 8. My plan was to take 6 months off, but off late I was wondering whether our current situation would support an earlier retirement. Our priority is to set ourselves up to support our kids while living comfortably on appx $80-90K of expenses per year. Our current financial position appears good, but I’m not sure how it would last and best way to manage. We own our home, have an investment property (mortgage’s principal & interest), Share portfolio $525K, Super $500K (combined), Savings $600K. Would be great to get some perspective on whether I can safely retire and take an approach of working adhoc where required. Appreciate the insight. Thanks.

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21 November 2024

Hi all, My husband and I are wanting to save 100K for a home deposit. We are not sure if the best way to go about this would be by investing what we can each fortnight (approximately $700, more if we undertake OT and side hustles) into a mutual fund here on Pearler or if we save in a high yield savings account. Ideally, we would love to have achieved that within 3-5 years. Any advice is much appreciated. Thanks :)

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21 November 2024

Hey fellow Pearlers, This is my first question and am new to this so apologies in advance :) If a core ETF portfolio included NDQ and JNDQ (Covers Nasdaq 200), STW (Aus 200) and FANG to double down on Tech, what avenues could be explored to round out the exposure so that it is not as heavily reliant on the US / AU whilst not being a risk off asset such as bonds / cash. VEU was one avenue explored but thought I’d turn to the Pearler Exchange and see what could be researched further as there is a wealth of knowledge worth tapping into out there… Thanks all, keen to do some digging

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21 November 2024

Hello everyone, I have a few assets in my portfolio that haven't been performing well, and I'm unsure when to consider selling. How do you decide when it’s time to let go of an underperforming asset? Thanks for your advice!

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18 November 2024

Hi everyone! I’m trying to decide between VAS and A200 for my portfolio, but I'm not sure which one is the better fit. Can anyone share their thoughts on the differences between these ETFs and what factors to consider when choosing? Thanks in advance

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21 November 2024

Hi everyone! I’m trying to build a balanced portfolio and wondering which ETFs work well together. Are there any combinations that people recommend for good diversification or specific strategies? I'd love to hear your thoughts. Thanks!

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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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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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