18 December 2024

I currently hold ETFs and have funds in offset accounts. Ignoring market fluctuations and tax implications, at what point does it make sense to shift money between the two? For example: - If interest rates are very low, I assume ETFs are the better option. - If interest rates are high, it seems smarter to focus on offsetting loans. Is the math as simple as ETFs returning ~7%, so you’d start selling once interest rates cross ~6%, given the higher risk of ETFs compared to loan savings? Would love to hear your thoughts!

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19 October 2023

Hi can I buy a government bond via pearler?

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20 December 2023

I’m a beginner. I have been on here for about 2 months and started with micro-EFT. I feel comfortable with this choice and frequency of investment and can see growth already. My questions are do all ETF’s pay dividends? How frequently? Or do only some pay dividends and the rest you need to sell? How do you know which ones will pay dividends when it is a whole portfolio of EFT?

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28 January 2024

Hi, I am wondering why i should invest in ETF's vs Super. ETFs and super seem to offer similar returns but once i withdraw my gains, i am taxed way less in super vs ETFs at around 50%? Also, super offers the tax benefits for my income. Thank you

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21 October 2022

Hey folks - I see there is an option on the settings to auto invest any dividends automatically - as I have already set this up with computershare I assume I don't need to redo this on the platform - are there any benefits to this approach that I am missing ( or do some of the equities not have this capability? )

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25 March 2024

My current core allocation is: CORE: IVV=50%, VEU=20%, I plan to move to Southeast Asia in 5-7 year. Considering this, I'm reevaluating my core portfolio, especially my investment in VAS, seeking alternatives to complement IVV and VEU. What would be suitable for my core portfolio considering my relocation plans? I believe I shouldn't be allocating more than 5% to VAS because I won't be an Australian resident in the future.

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22 June 2022

Hi, it's June 22nd 2022 and I am considering transferring my NAB shares from Computershare to Pearler. Dividends are due to be paid out by July 2022. If I transfer the shares now, would I still be paid my dividends due for July 2022, if yes, which platform will pay the dividends; Computershare or Pearler? Thanks, Edwin.

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3 August 2024

Int ETFs - why do share value go up when they ASX is open, when actually the US markets may have opened about 10hrs before ASX (diff day though) and closed about 4AM Sydney time?

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20 December 2022

Hi, I'm wondering what are the advantages or disadvantages of investing every 2 weeks vs every 6 weeks over the life of my investing time frame? I'm trying to come up with a strategy to limit brokerage fees as much as possible while also maximizing returns. For arguments sake, the amount will be $2,000 every 2 weeks and $6,000 every 6. Thanks!

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3 March 2024

How for REITs and LICs differ in terms of dividends? Are they primarily about yield or growth? Should one invest in an ETF or individual REIT/LIC? How does one assess the value of either?

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2 November 2023

When people say to diversify between Australia and the USA / International ETFs does that mean both should be purchased from an Australian domiciled ETF (for franking credit benefits) or to diversify between Australian and USA / Internationally domiciled ETFs? Thanks

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8 January 2024

Hello, I cannot get my head around it and I hope that someone will explain to me in very simple steps how to reinvest my profits from shares (US and/or AU), not only from dividends, while investing on Pearler? I cannot find this info anywhere. I understand the concept of compound interest but I lack the knowledge how to imply it into my investment on Pearler.

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16 January 2024

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4 February 2024

In basic knowledge can someone explain how this works? If I invest $5 what does that mean, will this come back as more money? And how long do you wait for it to come back?

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17 November 2023

Hi everyone, I was wondering whether or not it is possible to say that REITs are rather moving with the share market or with the property market. I understand that different REITs have exposure to different types of properties and hence might behave differently. My understanding is also that most REITs concentrate on commercial property and that returns do not necessarily align with residential property. But being the more liquid-able asset compared to owning property outright, does that change anything about the dynamics of this asset class? I’m aware that roughly 6% of the ASX200 are coming from the real estate sector and that similar figures probably apply to other indexes. Ultimately it leads to the question whether or not additional exposure to REITs can be beneficial when not owning property. I acknowledge that this depends on personal circumstances, so maybe see it rather as a general discussion what REITs do to a portfolio in terms of market exposure, risk, expected returns and volatility. Cheers Dave

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4 July 2024

Hey everyone, I'm feeling a bit overwhelmed and am seeking advice on my investment strategy. Should I invest all of my cash into a single diversified fund like DHHF, or would it be better to spread my investment across a few different ETFs? What approach would be more advantageous for long-term growth? All advice is appreciated.

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13 September 2024

What are the pros and cons of investing in real estate compared to ETFs? How do these two differ in terms of returns, risks, and overall investment strategy, and which one is generally more suitable for long-term wealth building?

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18 September 2024

I'm new to ESG investing and want to keep it simple. Is DZZF a good all-in-one ETF? Would adding ERTH or IMPQ be too risky or not diversified enough? I'm concerned about greenwashing and whether more specific sector ETFs are better for sustainability. Can anyone share their thoughts?

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5 September 2024

Hi folks, I'm new and need advice on asset location. Should I hold Australian or international shares inside super or in a taxable investment account like Pearler? I'm a high-rate taxpayer with a buy-and-hold strategy until retirement. Considering tax on dividends and CGT, I'm thinking of putting VGS in the Vanguard account and Australian shares in super for franking credits. Am I on the right track? Thanks!

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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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