23 April 2023

Hi, How do I mover my stocks to my pearler account from another trading account? Regards

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25 April 2023

Hi everyone. Im very new to investing. Can I please get advise where to invest my first deposit of $2000. Im looking for the best 4 markets to invest in. Thank you so much for helping me. Kindest regards Amanda

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13 May 2023

I am very new to investing. I began with the long term in mind - passive income, retirement etc. and all my reading has been focussed on that. What investment strategies would you recommend for a 3 to 5 year goal - such as for buying a car, future home renovations etc. If there are good resources, you recommend I read - I am most happy to do that as well.

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4 June 2023

I want to switch my international allocation currently in VGS to BGBL to take advantage of the lower fees, however simply selling VGS and buying BGBL is not a viable option as it would trigger a sizable capital gains tax event, so I plan to start buying BGBL instead from now on. I have set my VGS target to zero and replaced it with BGBL, but this will now result in auto-invest buying nothing but BGBL for the foreseeable future. Is there a way to manage this problem and still be able to use auto-invest effectively?

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17 June 2023

I’ve just started my investment journey in my early 20’s looking to work into a long term investment portfolio. I was just wondering opinions on my current focus to see if this covers decent diversification. I currently am investing into VAS at 25%, IVV at 35%, IJH at 15% and VGS at 25%. Please and thank you

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18 June 2023

Hi Pearlers, Does anyone have much experience with diversified investment/insurance bonds such as Generation Life’s Vanguard high growth portfolio? I just want to understand the pros and cons associated with investing and through this mechanism rather than say directly through VDHG ETF. I understand that with investment bonds that you only pay a flat 30% tax rate and no capital gains if held for 10 years. I’ve heard something about being able to offset capital losses but don’t quite understand. Also, I’m concerned that the fees negate the potential tax benefits. Any information would be great appreciated!! ☺️

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23 June 2023

Hey investors ! New starter here. I wanted to ask about the Dividends. I know these can be reinvested. But how do you set up these to also just go back into your account to then choose to reinvest. Is this automatic. Pretty much seeing tha positive line come into your bank account, to then choose to put it back in. Or will you just see the variance in the ETF. I currently have Shares, and they just sit there with no funds going into the account. Is this the same thing? How do you eventually turn this into coming into the account when you get enough time and money going into it.

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12 July 2023

Will we ever be able to buy individual stocks from international stock markets on pearler other than the ASX and US.

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17 July 2023

At this point of time, which is the best stocks to buy in Australia

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19 July 2023

I’m new to investing. Is it worth holding lVV with around 500 companies and VTS with around 3800 companies. I’m thinking lm getting more overall market share, to invest in with large cap to small cap companies, spreading my risk. Cheers, Paul

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21 July 2023

What are Pearler Points and what do I do with them?

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21 July 2023

Probably the dumbest question, but how do you invest in ASX 200. I put it in the search bar and it has come up with A200 is this the same thing??

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24 July 2023

hi im a new investor here, still pretty young and still new to everything in the investing world. i recently invested in a split of 3 ETFs but wanted to know how to create a "portfolio split" is it after purchasing the min $500 and then buying accordingly to your desired split ( eg, 70% ETF1, 30%ETF2, 10%ETF3) or is there an option on the pearler website to manually select the split. sorry if none of this makes sense happy to take in any advice.

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31 July 2023

As Micro & Headstart is not CHESS sponsored and the investor does not hold/own shares, in an event that the corporation that is responsible for the managed fund/Scheme goes into liquidation what happens to the pooled units that were purchased by investors. Since head start is a long term investing, how are investors protected when shares are not directly held by the investor.

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3 August 2023

I have shares with Sharesies can I move them across to my account here?

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10 August 2023

I am looking for a independent investment advisor I can develop a portfolio with so I can start investing. Happy to pay for service, but want someone with alot of experience that is able to simplify the market and products available. I have income and emergency fund, looking for growth long term with automated investing each month. Also looking for information on setting up investments for my children.

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16 August 2023

I started investing in 2019, not long before Covid-19 impacted the sharemarket. As noted in one of the first pearler podcasts, this has impacted my psychology of money in a negative way, as I straightaway saw my investments fall in price. I had bought LICs with the Magellan Financial Group, namely MFF, MGG and MGE. Luckily (in a way), I sold these as soon as I broke even. From my very basic understanding, the Magellan Financial Group had made some poorly timed investments such as Netflix, Meta and Alibaba and they have not been able to recover. See: https://www.fool.com.au/2022/03/17/down-80-whats-gone-so-wrong-for-magellan-asxmfg-shares/ I am a relatively new member here but from what I've gathered in this community, it seems wise to be putting a major portion of one's savings into Vanguard - VAS, VGS, VDHG. What's the likelihood of Vanguard - or iShares or ARG for that matter - following in the same footsteps as Magellan? Apparently, Magellan was one of the leaders in the field "As of June 2022, Magellan's industry award-winning team of 35 investment professionals are responsible for managing over AU$60-billion in stocks (as of July 2022)" See: https://marketmatters.com.au/company/magellan-financial-group-mfg/#:~:text=As%20of%20June%202022%2C%20Magellan's,(as%20of%20July%202022). I haven't compared the size of their portfolios, but I'm assuming the other companies survived because they were more diverse with their investments. If we reach FIRE and therefore end up with $300k invested in ARG (and the rest of the million spread between Vanguard and iShares), for example, should we fear such a collapse happening with one of these investment companies? Thank you!

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16 August 2023

I’ve just joined Pearler and have never invested before. Does anyone have recommendations for an ETF for a first timer? I’m 18 so high risk is fine. Thank you 😊

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23 August 2023

Hi All, Iv started this year investing into etfs and have been learning about all there is to know about etfs and the stockmarket and have been really keen and interested and still learning (Rask and pearler podcasts and selfwealth videos have been wonderful). After having an IP for over 10 years, sold it and payed down the mortgage, I'm keen to look at other investing options now(working towards FI) and have always been keen to invest in the sharemarket. Currently in late 30s with young family and a mortgage that were also focused on paying off. Currently invested into Vgs and Vas using DCA.However I'm looking for further reducing risk as well as additional diversification into other asset classes both in Aus and overseas by adding additional etfs for the time being. Is anyone looking or been using femx or vge, keen to know your thoughts and also looking into Reits for growth and hopefully some income. I understand everyone has their own investment strategy,risk tolerance and path based on their own situations so was just wondering people's thoughts? Just wanting to keep things simple so looking currently at a 3-4 ETF/managed fund portfolio that I can keep DCA into for the next 10 years and onwards. Much appreciated

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29 August 2023

Hi, My plan/dream is to live off dividends one day so I can go surfing when I want. I love VAS and the simplicity of it and the great dividends it pays. I know this is an Australian only index.. but it doesn’t excite me to buy an international index fund because of their small dividend payouts and then the extra headache later on of selling.. the whole 4% sell off per year thing. Is owning a purely Aust index justifiable? Thanks in advance! Sam

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