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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2 January 2023

Hey Pearler, I have updated my share registries with my own BSB and Acc numbers, however, I believe we have our own Pearler BSB and Acc Numbers. To ensure I don't absorb any distributions into my spendings without noticing, I'd like to update Computershare etc with my Pearler BSB and Account. Where can we find these details? The aim is to keep any dividends segregated in my Pearler Cash account until tax time, pay tax bill and then reinvest the leftover amounts.

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2 May 2022

Hey all, If I want to invest 40% / 40% / 20% for VAS / VTS / VEU, which Autoinvest strategy will make that happen for monthly investing?

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2 May 2022

How do I choose an ETF? What should I look for in terms of performance, what's a good Management Expenses Ratio, and what other factors should I consider?

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2 May 2022

As a new investor, where can I go for quality advice?

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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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12 June 2022

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20 July 2022

Super dumb question, but where do I find the dividends that should have been paid recently for my holdings (VGS/VAS)?

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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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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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25 October 2022

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25 November 2022

Hi Everyone, I've been investing with micro every so oftern with $50 deposit or more and I realise I could actually track the cost averaging better: like $10 dollar every single day of the year when the market is open. I understand you might be able to do so with a recuring transfer from bank account, but it's actually a bit annoying & painful, as you have to make sure everything fine from bank side & I had couple of time payments not going through (dunno why) so not as practicable. Also with the delay of 1 or 2 days for the money to come through + the 1 or 2 days of micro to happen... I was wondering, is there a way to load up the pearler cash account & get micro to invest every single open market day the a $XX amount ? That would be just much easier. I could not find the options Thanks

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7 December 2022

Hi, I’m very new at investment and I’m a little bit confused with the announcement from BlackRock Investment Management re the split of IVV shares. Are we supposed to do something? IVV will now change to IVVDB?

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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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16 January 2023

New investor here - Saw a few people mention that they didn’t organise paperwork or their tax return info in time. What are the things I need to have sorted and what are some tips when it comes to getting more money back at tax time? Thanks in advance

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29 January 2023

Hi, I’m fairly new to investing and this is a dumb question but what is the difference when investing in the AU shares vs US shares tab? Is it that the AU shares are funds held by brokers in Aus and the US one is US brokers? Is there a better option for an Aus investor? What are the tax implications of investing in US EFTs over Aus ones? Thanks, Molly

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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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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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20 October 2022

I've currently invested in micro $75. It's always under that 🙄 so I've lost a small amount but it would be better sitting in a bank than investing in micro. I'm scared to go over $100. As the fees will kick in and then seriously go backwards. How is micro a good choice? I don't get it I've had $75. Invested for 3 months now and it's sitting at $74. In the red . So I'm not going over the $100. As the fees will never be taken care of with positive cash I will be worse off. So correct me please how do you possibly make money on micro ?

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25 January 2023

Hello - I am early in my investing journey switched from Raiz about a year ago and went with two ETFs and two companies I was willing to 'gamble' on. Anyway, with my ETFs one is VDHG - now whenever I look at other ETFs that I might want to invest in I am like 'what's the point' because they are generally covered in the VDHG make up. My question is - is it pointless - should I just keep directing my $$ into my current ETFs or for example would it not 'hurt' to include something like ETHI or any other similar more specific ETF?

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