Questions Around Account Type and Investment Ownership

Hi all I am completely new to pearler and ETF investment. I do hold a commsec account. I have a few questions I am hoping the community can help me with: 1.) When finalising my account setup, pearler is asking me what type of account I want to establish and includes the option for a joint account. This money/investment is for me, my fiancée and also our child. Is creating a joint account the best option? I am assuming it is, but just curious about pro's and con's including tax implications etc. 2.) What would happen to our investment if pearler went out of business? I read a pearler article that indicated that ASX ETF's require a CHESS number and therefore we still retain ownership of the ETF investment that way, is that correct? Also, I have the same question for International ETF's (USA and China) - they don't have a CHESS number so how would that work? I have seen people mention different percentages invested in Vanguard ETF's, what is Vanguard? Is there anything in the 'Learn' section that I can watch that might explain this to me?

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Asked on 7 September 2025

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