20 February 2025

I recently received a promotion and my salary jumped to $120k per year. I'm thinking about how best to use my increased income for long-term savings. Should I max out my super contributions to take advantage of tax benefits, or would diversifying into ETFs offer better growth potential?

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21 February 2025

Hello everyone! I'm a 45-year-old teacher looking to retire in the next 20 years. I've heard a lot about balancing portfolios as you get closer to retirement. How do I start transitioning my current aggressive portfolio to something more conservative? Thanks for any advice!

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20 February 2025

Last year, I started a small online business that unexpectedly took off, and now I find myself with a surplus of about $50k after taxes. I'm keen to invest this windfall wisely in the Australian market but am torn between real estate and the stock market. What factors should I consider before I decide?

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25 February 2025

"Hey everyone, I do around 200 buy/sell trades a year, and over the past two years I've ended up with two $30K tax bills from trading, which really caught me off guard. I usually don't think about taxes when I sell a share—that’s been my downfall. I'm curious how you all handle your tax situation throughout the year, aside from just timing your sales for tax benefits. Some folks say, ""if you're paying tax, you're making money,"" but that's not really my point. I'm considering estimating my tax bill and setting aside some cash during the year, but then that money isn't available for trading. What do you all do to manage your tax liability during the year? Thanks!"

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28 February 2025

I am new to investing in EFTs. Any advice on how to not panic when I see my investments go into the negative?

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2 March 2025

Hi Brains Trust, just wondering if you can still buy Alibaba on both the US stock market as well as the HKG exchange, and if so, what is the difference and any pros and cons. Thanks so much for any input.

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5 March 2025

Hello, I’m new to investing & don’t know anything I guess I just want to know what’s the best option for me I don’t want to have to be constantly checking or moving money I want to essentially invest in a Long term investment where it is managed by someone else I just make regular deposits ? Thanks Regards Jack

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13 March 2025

Hi all, with all the news happening around the world. Is it a good time to invest into defence company's? European defence company's are booming, that's all. If so any recommendations? Thanks

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9 March 2025

Howdy. New to investing here, so I've gone with the most basic pair to start with - VGS and VAS. However, I'm keen to investigate throwing some funds into a tech stock, specifically Nvidia (NVDA). With VGS already tracking an index containing Nvidia, would this be doubling up my money and a bad investment choice?

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25 March 2025

Hey folks, I’ve saved up $100K and plan to invest an extra $20-30K each year. I’m thinking about going with a low-fee index ETF because it seems like the most straightforward path. But with this much money on the line, I’m wondering if I should get a financial adviser. Every article I read tells me to speak to a financial adviser before investing big money, and I want to do my due diligence. It's just that the ones I’ve looked at are charging $3-5k, which seems a bit much to me. Would you get professional advice for this, or just handle it myself? What’s your take? Thanks in advance.

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25 March 2025

I’m studying business at uni, and I'm curious to hear from people who have done it: what would you do differently if you could go back to being a teenage uni student? What kind of career would you go for? How would you handle your money? Would you pick a particular degree, or would you skip university altogether? Would you try to save for a property, or would you invest in the share market? For context, I'm wondering whether I should stick it out with my degree, or start working fulltime and invest the money.

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8 April 2025

I’m relatively new to stocks and investing but am aware of the drop in the market due to imposed tariffs. I’m wondering when and what exactly I should be investing in during this period!

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10 April 2025

I recently made the switch to freelancing and now pull in around $120k a year. My partner and I have plans to start a family, so we're thinking about more affordable living options. We love living in Hobart, but the rental prices here are getting a bit out of hand. We're on the lookout for a city that still offers cool local spots—think cafes, bookstores, even Ikea—but with homes that won't break the bank and a more relaxed vibe. My flexible job means we're open to moving, but we’re a bit cautious about jumping into something new without really knowing if it’s the right fit. Anyone have any recommendations for Australian cities or towns that strike that balance between quality of life and affordability? I'd really appreciate any advice or personal experiences! Thanks a bunch!

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10 April 2025

Hi new to investing and Pearler. Just starting off so wanted to know if anyone had any recommendations on good ETFs? Have done some limited research and was thinking vdhg, dhff and QQQ. Thanks !

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10 April 2025

To assess correlation between ASX-listed ETFs, I’m surprised I couldn’t find any quick & easy tool like https://www.etfscreen.com/correlation.php (working for US-listed ETFs only, like all the other tools I’ve found). Has someone ever found a similar free tool for the ASX? If not, is it part of Pearler’s roadmap? Given the strategic importance of diversification to reduce risk & improve performance, by avoiding overlap & excessive concentration. Especially as Pearler now gives the (great!) ability to choose our own ETFs for our superannuation. As these must be chosen even more wisely, such a tool has become critical for informed portfolio design IMHO. With this, Pearler would not only democratise passive investing further but also better empower us to manage our investments autonomously & effectively!

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11 April 2025

Hey everyone, just wondering how you made financial independence happen for you. What lessons and advice would you give to someone who wants to get started? What have you achieved so far? What did you invest in? Thanks in advance!

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14 April 2025

Hey everyone, My partner and I are in our 30s and have a baby. After some major life changes, I'm essentially hitting the reset button on my finances. I've just paid off all my debt and am starting a new job next month, which will allow me to save about $800 each month—allocating $200 for my kid and $600 for us. I'm considering investing in a Vanguard high-growth portfolio, or maybe going for a 70/30 split between VGS and VAS, as many of you have suggested. If you were kicking off with investing in your 30s, what would your strategy be? I'd love to hear any ideas!

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15 April 2025

Hey there, I am 41. I have a house deposit that I'll be holding onto for a house in the next 2 years. However I really want to start getting into investing now. I realise I'm late in the game so I'm looking for a bit of advice for my investment journey of I guess the next 30 years or so. I have 5000 to put in right now. Then, we will put in roughly $400 / month going forward. More when my income in my new business increases. I don't have the luxury of starting 20 years ago so I was thinking of going with a ratio of safer vs something a bit more concentrated. Do I go all into an S&P500 such as VOO/ VTI / VT and just concentrate on that or should I do this with maybe 20%-30% in a concentrated sector (looking at AI) My thinking is that the concentrated sector could offer more in a shorter amount of time. Any advice for an older newbie would be great. Thanks!

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16 April 2025

Hi all! I've finally got around to reading The Barefoot Investor on a friend's recommendation, and it's got me excited about index funds. I've never invested in shares before, but from what I gathered in The Barefoot Investor, index funds seem like a safer bet. I'd be keen to get started, but I'm wondering if there are any drawbacks I should know about?

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21 April 2025

Hello! I’m a Computer Science student and will graduate with my Master’s in about a year. I'm hoping for a decent salary after that, so I’m thinking of getting a mortgage and buying a house in the next several years years. Right now, I have about $25,000 in a fixed term deposit earning interest, and I’d like to invest it, and since I’ll need it for a home soon, I want a relatively safe option. I know index funds are popular, but with a short timeframe, the risk seems higher. Am I better off saving any money I earn, or is there value in parking it in ETFs for a home deposit? I know that's a lot to unpack, but I'd love to hear your thoughts. Thanks!

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