13 October 2024

Hey team. For the purpose of debt recycling is there any restriction on what etf can be use. Or is it the case that as long as it generates some income through a dividend it’s ok from an ATO perspective. I’m thinking of an all IVV option given the lower dividend as I don’t want the additional income. Thanks

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16 September 2024

There's a lot of talk about ETFs, but I haven't seen much about LICs. I'm curious why people are choosing one over the other?

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14 September 2024

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2 August 2024

How to pull out your investment after 30 years?

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25 July 2024

How long can you put your money in Pearler?

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16 August 2024

A financial advisor set me up on HUB24. Over time I realized that he had set me up in managed funds that had much higher fees than ETFs etc. I have almost completely moved to ETFs and LICs so should I move to Commsec or similar? Just wondering whether HUB24 is worth it as they do charge fees.

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15 August 2024

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2 September 2024

Is it a good idea to I invest and also save money in my offset account / repay additional amount in my mortgage. Wife and I own 1 property and we still have 600k - 27 years left - 6% variable interest. While 12% of salary does go into super and we invest around 2k month, am curious if we should more into investment and make use of the compound interest in long term or redirect the money to close our mortgage faster?

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2 September 2024

Hi, I'm wondering which is better for financial independence: having a good property portfolio or a sizable amount of shares and ETFs? Thanks!

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11 July 2024

Been a year since I started investing $500 into VESG. Currently, it's at a market rate of ~$91 and I have around 60 units. I am confused if I should continue investing my $500 in it or invest in some other ETF where I can more units and there is long-term growth. What should be my considerations when making the shift or remaining in VESG?

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29 August 2024

Alongside VAS and VGS, which is better for diversification; VGE or VEU ?

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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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7 September 2024

Hi, I wonder is it still worth it to take out home equity to top up my current share portfolio vs using the equity to invest in a rental property in today high interest environment? Any input is greatly appreciated.

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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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4 September 2024

Hello, i am 18 and have $2000 ready to be invested. However i am finding trouble on where to start. In terms goals, i am looking to build a investment portfolio that's long term and focuses as a dividend portfolio while creating strong foundations on stable stocks first. what advice could you give me on where to start? and possibly on where i can go to educate myself better on investing.

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13 September 2024

I can’t decide between vanguard high growth (Vdhg) or Ishares s&p 500(Ivv)? The Ishares seems to have a much higher estimated return…. But I notice a lot of people recommend vanguard due to its diversity…. I’m in this for the long term eg 10 years and will be regularly contributing Thanks for your help!

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10 September 2024

Hi there, I’ve been thinking about Debt Recycling and have a few questions. I’m weighing four options: 1. Invest 100% in ETFs. 2. Invest 100% in my mortgage offset. 3. Split 50/50 between ETFs and offset. 4, Start debt recycling and invest recycled funds in ETFs. Given that I plan to upsize in 3-5 years, is debt recycling worth it? Can recycled debt be transferred to a new mortgage? Also, is dollar cost averaging practical for debt recycling? Appreciate any thoughts or advice.

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18 September 2024

Hi there, I'm a 30yo female looking to start investing for the long term. I think I'd like a pretty hands off approach so looking at an automated diversified etf. However, the environment and climate change is important to me and I'm in two minds regards to investing in fossil fuels. Is DZZF a good option for this? It seems that it's not that popular which concerns me? Is splitting between VDGH and DZZF a viable option or is that double dipping in a lot of the same? Thanks for your time and thoughts. Helen

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17 September 2024

Im looking at the following options but feeling lost which is the best one (new investor, doing lots of research at present!) VDHG and VAS VDHG + IVV VDHG- solo IVV and VAS DHHF and IVV DHHF- solo Im 38 years old, will only be contributing relatively small amounts on a regular basis and happy for long term growth of 10 years. *im leaning towards DHHF as it seems to the the recommended one but would love to combine it with something....i love what IVV has as it seems to be the big US companies and also its very high estimated return, but i want to diversify with some Aus shares/etf too which is why im looking at a combo... newbie here! Thanks in advance!

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14 October 2024

I’m considering early retirement and looking for advice from those familiar with FIRE. I'm in my 40s, single and no kids, have $450k super and $700k in ETFs, plus a paid-off home. My current job pays $110k but is taking a toll on my health. I spend less than I earn and could reduce my expenses further if needed. Do I have enough to retire early, using my investments until I can access my super, and potentially tap into home equity later? I’m concerned about not having enough or being able to return to a high-paying job. How do you overcome the ‘just one more year’ mindset and trust your plan?"

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