2 May 2022

Hi everyone, I’m quite new to the platform, and so far I have only invested in VDHG. I've heard that most people would only invest in VDHG if they had to choose one ETF. May I ask why?

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2 May 2022

Hi there! What happens if, in 30 years when I have hundreds of thousands or even millions of dollars in shares, nobody wants to buy them? Is that even possible? I feel like a complete dolt for asking, but the idea is quite frightening!

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2 May 2022

Which ETFs have had most consistent dividends?

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5 June 2022

Hey There! I do have a question about overlap of stocks in ETF's. A site I follow has an international model portfolio of VDHG (18%) - MGOC (8%) - QUAL (8%) & VGE (7%).I get VGE...self explanatory.Between VDHG, MGOC & QUAL......isnt there too much overlap of the top holdings? Even if you replaced VDHG with VGS (which I hold).Are there other reasons for chosing those 3 ETF's?

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9 June 2022

Hello, I am still very new to investing and only working with small amounts. I have tried to be diverse with my shares across different markets, also taking recommendations from people. I realise Pearler cannot predict what will happen, but I am seeing a fairly constant downward movement across all my shares, bar one or two. I don’t want to be watching prices and buying and selling all the time, that was one of my reasons for using Pearler. I wondered if there’s any advice on investment strategy, anything to do differently? Or is it a case of looking more long term?

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11 July 2022

Hi There, Can you set up micro investing for minor accounts? Thanks, Alicia

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25 July 2022

Hi Brains Trust! What's the difference between VDHG and VAS? I understand they are setup quite differently. But to a lay person, I can't tell whether there is any material difference in the end. They're both High Growth, do relatively well and track against the ASX200.

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2 August 2022

I am doing vas- veu- vts bec collectively of their lower fees than vdhg. However factoring in the US taxes and 3rd yearly accomploshing of wben30 form, is it smarter to do vdhg?

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7 August 2022

I'm looking to sense check my understanding... 1. I'm just starting to build my portfolio, so trying to hit the ground running. I note that some shares are quite expensive (IVV = $500+, A200 = $100+), whilst others are considerably lower (BKI = $2.00). At first glance it seems to make sense to buy more of the cheaper shares, as dividends are paid per share and therefore with a DRP you'll end up growing the number of shares quicker? FOR EXAMPLE (estimate numbers used for ease of example) - IF I HAVE $1,000 TO INVEST: A) A200 = $100/Share = 10 shares x $1.50 qtr div = $15... carried forward as not enough to buy a new share yet B) BKI = $2/Share = 500 shares x $0.05 qtr div = $25... enough to buy 12.5 additional shares So it seems to make more sense to go with option B as the snowball effect of accumulating shares will happen quicker. Am I missing anything critical in my understanding? 2. If I'm buying shares to hold to create a passive income, then Capital Gains/Losses doesn't come into the equation? My understanding is that Capital Gains/Losses are only triggered on the sale of the shares. I may sell at some point, but not likely for another 30, 40, maybe 50 years - so not worrying too much about the selling side of things (as hoping I will be completely financially independent and any financial impact from selling will be neither here nor there at that point!) Thanks in advance for your responses. :)

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17 August 2022

Hi everyone, I was wondering about people's thoughts on VDHG vs DHHF? I'm really interested in the idea of shifting to an 'all-in-one' ETF, because I can't help but tinker at the edges, and I need to stop. I quite like DHHF, because it does not have any funds allocated to bonds, and as a young person, I'm comfortable with a pure equities portfolio - and have mentally survived market dips. (I've got a 30+ year time horizon). Some other points that come to mind: - While DHHF has some tax drag due to their underlying holding being US-domiciled, my understanding is VDHG has issues related to capital gains tax due to the fact it is comprised of unlisted managed funds. - I'm not sure if I'm entirely comfortable with Betashares' philosophy of continually bringing new niche ETFs to the market. I feel that I align a lot more with Vanguard's passive investing approach. And I'm a little worried that DHHF, which to date has only $185 million in funds under management, compared to Vanguard's 1.4 billion. Would it be possible that DHHF changes its asset allocations in the future? Or closes down the fund due to it not being profitable. - There's no track record really with DHHF, and I'm not quite sure what the buy/spread costs and liquidity are over the long-term (and if that matters)? Keen to hear people's thoughts.

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19 August 2022

Lets share our best first mistakes with investing.... I can go first, I didn't know that dividends that are reinvested within one financial year affects your taxable income for that year. I had assumed that it was only taxable if you redeemed the actual $ into your bank account or sold shares.

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13 September 2022

Pearler has previously hinted at interest payments on Cash Accounts. Obviously that wasn't realistic while rates were so low near 0%. After several rate hikes and more to come I am surprised that Pearler hasn't made an announcement by now. Is it time to pay interest on Cash Accounts?

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7 October 2022

I am wondering if it's overkill to think it's a good idea to 'hedge my bets' buy buying multiple ETF's which are more or less equivalent? For example, holding equal amounts of VAS and A200. I understand that the underlying assets are basically in a trust, so if there are any major issues with the ETF companies, the underlying assets/value should be returned to me... However, I'm thinking about other things, like what if, decades in the future, one fund raised fees excessively (maybe after a company take over), had technical or legal issues or something blocking distribution payments for some time or some other unforseen similar reason. Am I being overly cautious? Are my concerns not really a probablem? Are there any other concerns?

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17 December 2022

Hi! I'm 19 years old. My investment horizon is extremely long term (30-40 years). I am looking for a globally diverse portfolio with a focus on sustainable increasing dividend yield as I plan on reinvesting all dividends. I don't want any defensive assets such as cash or bonds as I plan on holding these equities for a long time and volatility is not a worry for me. Any suggestions about how to improve this portfolio? It would be greatly appreciated. Cheers :)

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11 May 2023

Hi fellow pearlers Me(27) and my wife(29) have a joint investment account where we set aside 5k a month and invest fortnightly into the following etfs A200 50% IVV. 35% NDQ. 5% VEU. 10% We've tested the waters with VAS , VGS, VGE and SPY before finalizing on the above portfolio. Question to the extended community here. Is it worthwhile expanding to the following satellite etfs IJP VAP IJR ETHI IXJ WDMF Also just trying to understand the value of having divident focused etfs(such as WDMF. I have DRP for all my current etfs and aim to sustain the current portfolio(36k) till we retire. Hopefully increasing income and investments going ahead. Im also the nominee to my parents mutual funds as well as am inheriting some assets overseas, not sure how that works with this plan as well. Sorry for the long post. Thanks in advance!!

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6 June 2023

My wife and I have half our investment portfolio in VAS Vanguard Australian Shares Index ETF and half in VGS Vanguard MSCI Index International Shares ETF. We are wondering if we should now look to add a third ETF to our portfolio being US shares such as the VOO S&P 500 Vanguard ETF. We are wondering if this is a solid path forward, or should we go in a different direction. Thanks in advance :-)

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24 June 2023

Having a hard time wording this but here goes.. I’m currently depositing $125 weekly, I have four etfs.. I have shares price to invest once I reach $875, just wondering if I should lower that price so that I’m investing into all of them more often ? I hope this makes sense 🤷🏼‍♂️😂 any help for a rookie will be greatly appreciated.. thank you

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30 August 2023

Dave Here, I would like to say I'm excited about joining the Pearler family, I'm not working at the moment I work in the mines sites around WA and around Australia and since I jumped into the Pearler family my hunger for knowledge to actually make the an income between jobs it's fantastic I've only just to do transactions still pretty nervous but it's definitely got me if anybody has the time I would like to start chatting and meeting the family. Have a good day stay safe. Dave :-)

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21 September 2023

Hi there, I am a low income mum of 3 trying to invest for our future. I am currently investing with automated payments fortnightly into micro investments. I’m just wondering at what point do I move over to bigger etfs etc? Would this be a case of selling my micro and using that to invest into bigger etfs? Or is there a way to somehow transfer micro to bigger etfs? Thank you :-)

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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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