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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27 July 2022

Is the minimum purchase price $500 for all shares? Are there benefits other than saving brokerage fees when investing smaller vs larger amounts?

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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

Hi there, do I need to keep my CHESS Holding Statements for tax purposes or anthing else, or am I safe to shred them once I’ve seen them?

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2 May 2022

When buying ETFs, do I need to buy the entire unit? For example, IVV is selling $625 per share. When I set up autoinvest do I need to have the funds to buy an entire unit, or will my autoinvest simply buy a percentage of a unit each time?

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2 May 2022

Should I be investing in the US stock market? What are the pros and cons?

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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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29 July 2022

Asking here as I'm probably not the only one wondering (or am I?) but if I've borrowed money to invest in an ETF, and the interest is deductible, where do I put it when I fill out my tax return? Does it go in box 13Y as it relates to the ETF? Or is that box only for the fund to use if they have deductions claimable there? Do I use a different deductions box?

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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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24 June 2022

What are everyone’s thoughts on ASICs recent ruling around online financial discussions (https://asic.gov.au/regulatory-resources/financial-services/giving-financial-product-advice/discussing-financial-products-and-services-online/)? Could it extend to this type of forum or handing out our Pearler referral code? Having gotten into investing later in life than I’d (in hindsight) would prefer to have, the wealth of information out there now has been a massive help. I don’t feel like it existed years ago outside big financial/investment institutions or published works such as “Rich Dad, Poor Dad”. While I’m sure some of the discussions on the internet today are influenced by referrals or other biased ideas, at least the conversations are (were) being freely had.

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7 July 2022

I'm trying to work my way through finding companies in Australia to invest in who have small revenue ($10-20 million) with the objective of investing long term. There are so many small businesses that have the potential to grow and thrive, but given that there are over 2000 shares to search through, it's hard to sift through every company to find what I'm looking for. Does anyone have any suggestions on how to do this?

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31 July 2022

Hi There When I first started investing I bought shares in VDHG and ETHI just to get some skin in the game. After I bought the first few units I decided to go down a different route and now my portfolio is made up of a A200/VGS/VGE split to try diversify my portfolio. (Still holding the initial VDHG and ETHI units) Is there any benefit to my split compared to VDHG as a whole? I don't think it's necessary to sell anything off at this point and rebalance (Happy to be wrong). I just want to set & forget at this stage while I work my way through things and have a core portfolio that does the majority of the work Thank-you

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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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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 July 2022

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

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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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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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11 February 2023

Thoughts on why DZZF isn't more popular given its combo of FAIR and ETHI at a much lower management fee? I have been investing in this instead of buying shares in the separate etfs but am a little concerned by the low growth in funds under management. The 10% inclusion of green bonds may not suit people wanting a purely growth etf but for I figure it isn't a bad way to include some defensive assets to help balance my portfolio. Please don't judge me by my pearler portfolio I invest across a couple of brokerage platforms.

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