If you aren't sure where to post - try here first. Thu, 28 Feb 2019 10:17:17 +0000 Thu, 28 Feb 2019 10:17:17 +0000 InvestChat https://www.investchat.com.au/community/forums/general-investing-discussion.32/ Mon, 18 Feb 2019 02:38:37 +0000 https://www.investchat.com.au/community/threads/hardware.10339/ https://www.investchat.com.au/community/threads/hardware.10339/ invalid@example.com (Michael Lovett) Michael Lovett

The land in Gladstone Rd is vacant, and not owned by Bunnings.


Starting a large hardware store on this site is a massive opportunity.
Anyone interested in investing in this project should contact me at...

Hardware]]> Sun, 17 Feb 2019 03:50:24 +0000 https://www.investchat.com.au/community/threads/career-develop-do-i-need-cfa-charter-if-ive-already-got-master-and-bachelor-in-finance.10337/ https://www.investchat.com.au/community/threads/career-develop-do-i-need-cfa-charter-if-ive-already-got-master-and-bachelor-in-finance.10337/ invalid@example.com (Eason) Eason
As I’ve mentioned above, I feel like in Australia employers don’t really value master degrees much but experiences.

However, as I’ve already got the master degree in finance. And 70% of the knowledge and concepts are overlap with cfa whole 3 level materials.

Below are my questions:

1 Does cfa designation really gonna help me for my future development if I’ve...

Career develop: Do I need CFA charter if I’ve already got master and bachelor in finance]]> Sat, 09 Feb 2019 01:01:21 +0000 https://www.investchat.com.au/community/threads/confused.10328/ https://www.investchat.com.au/community/threads/confused.10328/ invalid@example.com (mitasol) mitasol
55 years old, have 510,000 in super, 80,000 in a managed fund with Perpetual, 22,000 in a credit union interest account (haha), 50,000 in a mortgage and 53,000 in an offset, I'm in a government (state) job and have been for 14 years so reasonably secure - what should I be looking to do?

Big ask I know, but interested in others thoughts]]> 1 Fri, 25 Jan 2019 23:16:05 +0000 https://www.investchat.com.au/community/threads/investments-for-potential-move-to-nz.10325/ https://www.investchat.com.au/community/threads/investments-for-potential-move-to-nz.10325/ invalid@example.com (Worldcitizen) Worldcitizen
Planning on starting to build a share portfolio, either through direct shares or index funds. There's a high chance me and the family move to NZ in the next year so wanted to see if anyone had any advice on suitable options that would "work" both while we are living in Australia and once we are NZ. Would prefer not to have to sell when we move.

Focused on long term returns so not too focused on the franking/imputation consequences.

Any input appreciated.

Cheers

WC]]> 2 Wed, 23 Jan 2019 08:54:37 +0000 https://www.investchat.com.au/community/threads/debt-recycling-cash-advance.10314/ https://www.investchat.com.au/community/threads/debt-recycling-cash-advance.10314/ invalid@example.com (imanewbie) imanewbie
Still new... so please be nice

So, between me and the missus we probably have about $20k in credit limits on our credit cards.
I was thinking, if is at all possible to use a Cash advance from the credit card to keep the money in the offset account, and pay back in full before the interest free period ends? Then do the same thing, CC Cash Advance -> Offset -> pay back in full before interest gets charged.

I'm thinking this would "inflate" the amount of money in the offset account...

Debt Recycling & Cash Advance?]]> 2 Sun, 30 Dec 2018 03:53:41 +0000 https://www.investchat.com.au/community/threads/looking-for-suggestions-help-with-investments-that-give-tax-benefits-or-incentives.10303/ https://www.investchat.com.au/community/threads/looking-for-suggestions-help-with-investments-that-give-tax-benefits-or-incentives.10303/ invalid@example.com (touchofstyle) touchofstyle
I’m not planning on starting a business at this point I am also contributing extra salary sacrifice to my super

I’m fond of the Tax franking credit from my shares

As part of my diversification I was looking for investments that provide tax benefits or incentives Asides from shares

I dont really want to get into residential property]]> Fri, 21 Dec 2018 00:12:53 +0000 https://www.investchat.com.au/community/threads/diploma-of-mortgage-broking.10297/ https://www.investchat.com.au/community/threads/diploma-of-mortgage-broking.10297/ invalid@example.com (Michael67) Michael67
has anyone recently done the Diploma of Mortgage Broking course through Kaplan?
was wondering that if so, could i get some help on the assignment, happy to contribute some$ towards your time.]]> Thu, 20 Dec 2018 01:02:43 +0000 https://www.investchat.com.au/community/threads/investing-for-income-leverage.10294/ https://www.investchat.com.au/community/threads/investing-for-income-leverage.10294/ invalid@example.com (imanewbie) imanewbie

I'm new here so please be nice..

So, my situation is that I was intending to purchase a neutrally geared/potentially +ve investment property but the missus has fallen pregnant and is about to go on Mat Leave. Pretty sure that the bank on lend me to the extent that I need to make a purchase anymore when she does.

I'm instead looking at assets with monthly distributions to make up for the lower income from the wife not working (need money for those diapers!) Have about $45k in...

Investing for Income & leverage?]]> Wed, 12 Dec 2018 07:50:08 +0000 https://www.investchat.com.au/community/threads/global-investor-survey-and-aussie-differences.10290/ https://www.investchat.com.au/community/threads/global-investor-survey-and-aussie-differences.10290/ invalid@example.com (twisted strategies) twisted strategies Global investor survey and Aussie differences - Cuffelinks]]> Tue, 04 Dec 2018 01:10:01 +0000 https://www.investchat.com.au/community/threads/stamp-duty-concession.10280/ https://www.investchat.com.au/community/threads/stamp-duty-concession.10280/ invalid@example.com (Cindy) Cindy
Now in 2018, me and husband are looking for second property. My husband is PR now. I just want to ask is there any chance that we could be eligible for Stamp Duty Concession?]]> 1 Wed, 28 Nov 2018 02:18:38 +0000 https://www.investchat.com.au/community/threads/bonds-the-basics.10084/ https://www.investchat.com.au/community/threads/bonds-the-basics.10084/ invalid@example.com (Luke83) Luke83 11 Fri, 09 Nov 2018 06:08:31 +0000 https://www.investchat.com.au/community/threads/beta-shares-qlty.10272/ https://www.investchat.com.au/community/threads/beta-shares-qlty.10272/ invalid@example.com (RS Gumby) RS Gumby
Any thoughts on this from my learned friends?]]> 1 Tue, 30 Oct 2018 05:06:55 +0000 https://www.investchat.com.au/community/threads/my-debt-recycling-portfolio.10250/ https://www.investchat.com.au/community/threads/my-debt-recycling-portfolio.10250/ invalid@example.com (Decbull) Decbull
a)Pay off my PPOR debt faster and

b) Slowly move my PPOR non-deductible debt over to a an investment loan which is tax deductible.


I have managed to get a $70k IO loan at 4.39% (Have ran this through my accountant) and I was looking to buy dividend paying shares with it. I will only get charged interest on the amount I use for investment so am planning to slowly buy shares and start building my portfolio. I have...

My Debt Recycling portfolio]]> 8 Tue, 16 Oct 2018 21:45:24 +0000 https://www.investchat.com.au/community/threads/brokers-buy-orders-and-stock-ownership.10247/ https://www.investchat.com.au/community/threads/brokers-buy-orders-and-stock-ownership.10247/ invalid@example.com (tom_tom) tom_tom
for example. (and broadly speaking)

1 - I place a large share purchase order with my broker.
2 - The brokers purchases those shares on the market.
3 - The broker transfers those shares to your account?

It is this 3rd point which has me stuck. How does the broker transfer the shares to you as the client?
Do they short sell them to you...

Brokers, buy orders, and stock ownership?]]> 5 Fri, 12 Oct 2018 05:12:33 +0000 https://www.investchat.com.au/community/threads/never-invested-where-do-i-start.10244/ https://www.investchat.com.au/community/threads/never-invested-where-do-i-start.10244/ invalid@example.com (ollieh) ollieh
I'm about to turn 18 and receive an inheritance in which i would love to invest, the problem is i don't know where to start. I've seen all the you tube videos and cliche 'I was poor once but now i'm rich so give me money to teach you" but all i really want is a reliable source to learn about what to do with my money and how to be smart. I feel that there is some great knowledge in forums such as this but i'm more looking for recommendations into books or something as such...

Never invested, where do i start!]]> 2 Sun, 07 Oct 2018 10:33:01 +0000 https://www.investchat.com.au/community/threads/newbie-with-an-index-fund-question.10215/ https://www.investchat.com.au/community/threads/newbie-with-an-index-fund-question.10215/ invalid@example.com (Chris500) Chris500 I have $5k I'd like to invest every month in an Australian index fund. I don't want to watch it or see what happens to it I just want to set and forget - except for transferring the $5K. I'd just like to look at it in 10 years time and see how much money is in there and then decide my next step.
I don't want to use a broker. I'd be happy just logging into Comsec and purchasing each month. Is it cheaper to do it this way or to buy into a managed fund and ask them to do the...

Newbie with an index fund question]]> 10 Tue, 18 Sep 2018 01:29:31 +0000 https://www.investchat.com.au/community/threads/weve-invented-something-next-steps.10212/ https://www.investchat.com.au/community/threads/weve-invented-something-next-steps.10212/ invalid@example.com (Sunshine Yellow) Sunshine Yellow 6 Fri, 17 Aug 2018 08:29:33 +0000 https://www.investchat.com.au/community/threads/insurance-and-reinsurance-cost-of-revenue.10202/ https://www.investchat.com.au/community/threads/insurance-and-reinsurance-cost-of-revenue.10202/ invalid@example.com (tom_tom) tom_tom In it I'm including commission and fees though I am also pondering the below.

If a sale of an insurance contract is made then all the inputs into selling that contract should be included.

However... I see an entry, 'Insurance Premiums Ceded to Reinsurers' . If I make a sale of insurance then give it to a re-insurer, then wouldn't the 'Insurance Premiums Ceded to Reinsurers'
be classed as a cost of...

Insurance and Reinsurance - Cost of Revenue?]]> Tue, 14 Aug 2018 01:21:19 +0000 https://www.investchat.com.au/community/threads/new-to-investing-early-inheritance-financial-planner-or-not.10182/ https://www.investchat.com.au/community/threads/new-to-investing-early-inheritance-financial-planner-or-not.10182/ invalid@example.com (Joshua) Joshua
I'm new to the investing world.

My wife and I (31 & 26) have saved approx $100,000 deposit for an investment property and our folks have been generous enough to give us about $300,000 to help kick start our life.

Our aim is to try and reach financial independence. Until now while we have been thinking only of property investment but I've been tempted by the ETF world and put in $5000 in VDHG.

I've heard mixed reviews but was wondering if you would be recommended to seek advise...

New to Investing - Early inheritance - financial planner or not?]]> 4 Mon, 13 Aug 2018 20:43:09 +0000 https://www.investchat.com.au/community/threads/primary-production-investment.10196/ https://www.investchat.com.au/community/threads/primary-production-investment.10196/ invalid@example.com (AGSX) AGSX
If I could offer a potential $100,000 return in 12 months, would you be prepared to invest in shares of that profit.

If the $100,000 was floated at 100,000 shares @ $0.85 with the ability to trade those shares during the duration leading to the final sale price.

The risk that needs to be concidered is unpredicatble...

Primary production investment]]> 2 Mon, 13 Aug 2018 12:38:09 +0000 https://www.investchat.com.au/community/threads/balance-sheet-current-and-non-current-liabilities.10197/ https://www.investchat.com.au/community/threads/balance-sheet-current-and-non-current-liabilities.10197/ invalid@example.com (tom_tom) tom_tom
The Balance Sheet (under liabilities) has an entry ‘Other Financial Liabilities’ showing a total of 710.

In the notes to the financial statements this is broken into two values

Derivative Financial Liabilities 130

Collateral Deposits held....

Balance Sheet - Current and non-current liabilities]]> 4 Wed, 08 Aug 2018 11:44:55 +0000 https://www.investchat.com.au/community/threads/commission-says-trustees-alone-in-the-dark-with-our-money.10193/ https://www.investchat.com.au/community/threads/commission-says-trustees-alone-in-the-dark-with-our-money.10193/ invalid@example.com (twisted strategies) twisted strategies Commission says trustees “alone in the dark with our money” - Cuffelinks


oh dear .. i can see some changes coming to some business models]]> Tue, 24 Jul 2018 05:14:41 +0000 https://www.investchat.com.au/community/threads/where-to-invest-in-2018.9931/ https://www.investchat.com.au/community/threads/where-to-invest-in-2018.9931/ invalid@example.com (JasonC) JasonC

• Residential property (certainly in Sydney/Melbourne) looks overvalued.
• Commercial property yields have contracted
• ASX doesn't look great value
• Fixed interest rates are too low

Looking for food for thought?

Regards,

Jason]]> 8 Sat, 21 Jul 2018 07:22:26 +0000 https://www.investchat.com.au/community/threads/tax-query-re-vas-vgs-dividends.10170/ https://www.investchat.com.au/community/threads/tax-query-re-vas-vgs-dividends.10170/ invalid@example.com (Jay) Jay
I've read that income from ETF dividends should be treated as trust income and therefore included in the FY in which that income is earnt, rather than when it's paid. If this is correct, then the dividends paid in July 2018 (but earnt before 30 June, 2018) would have to be included in the 2017-18 tax return.

However, I've received my FY Summary from CommSec outlining my franked & unfranked dividends and franking credits for 2017-18. It includes dividends paid in January 2018 and...

Tax Query re VAS/VGS dividends]]> Fri, 20 Jul 2018 12:08:59 +0000 https://www.investchat.com.au/community/threads/new-to-investing-confused-about-franking-with-drp.10168/ https://www.investchat.com.au/community/threads/new-to-investing-confused-about-franking-with-drp.10168/ invalid@example.com (Hal) Hal
I started learning about investing several months ago and decided to buy some VAS. I received my first dividend statement in April, which because I participated in the DRP shows the amount plus how many shares were allocated.

I'm now trying to collect my paperwork for doing tax and remembered that VAS has some franking credits, but this is not shown in my statement anywhere. I called Computershare and was told that because I participated in...

New to investing - confused about franking with DRP?]]> 9 Thu, 12 Jul 2018 04:48:05 +0000 https://www.investchat.com.au/community/threads/is-raiz-acorns-just-missing-too-many-tricks.10162/ https://www.investchat.com.au/community/threads/is-raiz-acorns-just-missing-too-many-tricks.10162/ invalid@example.com (JoelVermeer) JoelVermeer article today from Graham Hand on Cuffelinks.

I’ve always thought RAIZ’s business strategy is muddy. In trying to boost their FUM, I think they’ve missed a trick in releasing a superannuation product that is, whilst reasonably cheap, not competitive with the cheapest in the market. And I think they could have taken the initiative and distinguished themselves by addressing an elephant in the room (there are several) of...

Is RAIZ / ACORNS just missing too many tricks?]]> Wed, 11 Jul 2018 23:34:26 +0000 https://www.investchat.com.au/community/threads/why-we-will-live-for-at-least-1-000-years.10160/ https://www.investchat.com.au/community/threads/why-we-will-live-for-at-least-1-000-years.10160/ invalid@example.com (twisted strategies) twisted strategies Why we will live for at least 1,000 years - Cuffelinks

i wonder if those folks will be any wiser

in 60 years i have seen the same old cheap tricks being used again , and again , and again ( all you need is to look at election campaigns for an example of that )]]> Thu, 05 Jul 2018 01:54:04 +0000 https://www.investchat.com.au/community/threads/investing-join-nabtrade-for-a-weekly-series-outlining-strategies-to-build-your-wealth-tariffs.10151/ https://www.investchat.com.au/community/threads/investing-join-nabtrade-for-a-weekly-series-outlining-strategies-to-build-your-wealth-tariffs.10151/ invalid@example.com (twisted strategies) twisted strategies Your Wealth]]> Wed, 20 Jun 2018 23:54:31 +0000 https://www.investchat.com.au/community/threads/whats-important-to-you.10130/ https://www.investchat.com.au/community/threads/whats-important-to-you.10130/ invalid@example.com (CairnsFinancialPlanner) CairnsFinancialPlanner
You know the one who is constantly on your back, 24/7 watching you, criticizing you and measuring you. The type of boss that nothing is ever good enough for and when it is; well that's to be expected. Now get back to work!

We can build a house, car, boat, heck even diagnose and cure our own illnesses simply by logging onto google.

The question we need to ask ourselves is what's important to us and for what cost to us, are we willing to pay for...

What's Important To You?]]> Wed, 20 Jun 2018 04:31:20 +0000 https://www.investchat.com.au/community/threads/making-money-is-counter-intuitive.10129/ https://www.investchat.com.au/community/threads/making-money-is-counter-intuitive.10129/ invalid@example.com (CairnsFinancialPlanner) CairnsFinancialPlanner
Simply because the more we touch our money, the less it grows.

The following are five age old and proven ways to help you accelerate our wealth, keep it longer and enjoy it more.

Peter Horsfield's Smart Advice - Why Making Money Is Counter Intuitive

View attachment 945]]> Mon, 18 Jun 2018 05:12:54 +0000 https://www.investchat.com.au/community/threads/best-place-to-start-for-beginner-investors.10041/ https://www.investchat.com.au/community/threads/best-place-to-start-for-beginner-investors.10041/ invalid@example.com (MoneyNotorious) MoneyNotorious
I'm 23 and have been seriously considering investing for years now. From curiosity I've always been interested in finance, investing and the stock market since I was old enough to earn money but I never took that 'first step' as my casual jobs were unstable and I never had enough cash to invest properly whilst living a semi-decent lifestyle that a 18-21 year old Uni student could - sometimes only earning $200 a fortnight.

Fast-forward a bit I've graduated from my...

Best place to start for beginner investors?]]> 60 Fri, 15 Jun 2018 07:08:44 +0000 https://www.investchat.com.au/community/threads/new-to-investing-etf-or-lic.10009/ https://www.investchat.com.au/community/threads/new-to-investing-etf-or-lic.10009/ invalid@example.com (mercthunder) mercthunder
I am very new to investing and just getting started. I have $5K to start investing with and i was looking at either investing in Vanguard Australian Shares ETF or iShares Core S&P/ASX 200 ETF. I have a few questions for those experienced investors out there.

• Given i am investing a small amount, should i just choose one ETF and invest the whole $5K or should i split it between two different ETF's?
• I am struggling to understand the difference between an ETF and LIC in...

New to Investing - ETF or LIC?]]> 17 Fri, 08 Jun 2018 05:21:35 +0000 https://www.investchat.com.au/community/threads/what-is-this-product-called.10120/ https://www.investchat.com.au/community/threads/what-is-this-product-called.10120/ invalid@example.com (DavidMc) DavidMc
This particular product was offered from a company called BlackRock, and it was a way to do a 'low cost index fund' type strategy, with recurring installments, where you owned the shares directly (and could sell them on the Sharemarket), rather than owning units in a trust or something like that.

They explained it was better as if something happened...

What is this product called?]]> 1 Wed, 23 May 2018 06:01:57 +0000 https://www.investchat.com.au/community/threads/blackrock-ivv-etf.10108/ https://www.investchat.com.au/community/threads/blackrock-ivv-etf.10108/ invalid@example.com (Jay) Jay
With regards to BlackRock IVV ETF:

(1) When is it becoming domiciled in Australia and not cross-listed anymore?

(2) Can people in countries other than Australia buy IVV or only in Australia?

(3) If the answer to (2) is yes, why are they making it domiciled in Australia?

Thanks in advance,
Jay]]> 2 Wed, 23 May 2018 02:50:44 +0000 https://www.investchat.com.au/community/threads/choice-a-or-b-what-would-you-do.10094/ https://www.investchat.com.au/community/threads/choice-a-or-b-what-would-you-do.10094/ invalid@example.com (Mavoz) Mavoz
We are facing a big decision in our family.

Scenario:

We live in the country and own our home (only 16K mortgage to go)

We also own a house in outer Melbourne...value about 750K...no mortgage.
(That 750K returns about 18K a year in rental return.)


We want to extend current country home...will cost about $200K for our growing family.

We don't like the idea of debt!

Choice A..Sell...

Choice A or B...what would you do?]]> 19 Wed, 23 May 2018 02:25:22 +0000 https://www.investchat.com.au/community/threads/buying-shares-for-kids-in-family-trust.10103/ https://www.investchat.com.au/community/threads/buying-shares-for-kids-in-family-trust.10103/ invalid@example.com (Bberry) Bberry
We are a young family and we are going to have two children (one is 2 years old and the other is just about to be born in the next few weeks) and we want to invest for their future of paying for private high school fees.

We are planning to put aside $6k per child per birthday.

For the investment strategy, we are interested in investing in EFT index funds on the ASX e.g. VAS.

We plan to add to it each year and preferably reinvest any dividends. We do...

Buying shares for kids in family trust]]> 4 Sat, 19 May 2018 05:07:39 +0000 https://www.investchat.com.au/community/threads/mum-and-dad-investors-are-snowflakes.10106/ https://www.investchat.com.au/community/threads/mum-and-dad-investors-are-snowflakes.10106/ invalid@example.com (Tropo) Tropo https://www.tradinggame.com.au/mum-and-dad-investors-are-snowflakes/]]> 1 Wed, 16 May 2018 10:22:10 +0000 https://www.investchat.com.au/community/threads/im-an-investor-newb-with-money-to-spend-gulp.10102/ https://www.investchat.com.au/community/threads/im-an-investor-newb-with-money-to-spend-gulp.10102/ invalid@example.com (Mike5) Mike5
I'm an investor newb, with money to spend, gulp.]]> 5 Tue, 15 May 2018 01:52:59 +0000 https://www.investchat.com.au/community/threads/new-to-investing-help-with-an-index-fund.10097/ https://www.investchat.com.au/community/threads/new-to-investing-help-with-an-index-fund.10097/ invalid@example.com (Jimmy) Jimmy Vanguard U.S. Total Market Shares Index ETF (VTS) which has a 0.04% management fee and above 10% returns per year. I understand that I subject myself to currency fluctuations but surely it has to be better than the 5-6% that you get from the Australian market right? My questions are:

(1)-> What is the smartest way to...

New to investing.Help with an index fund.]]> 9 Mon, 14 May 2018 06:26:38 +0000 https://www.investchat.com.au/community/threads/investing-now-advice.4161/ https://www.investchat.com.au/community/threads/investing-now-advice.4161/ invalid@example.com (rosewaterwrx) rosewaterwrx What he advised me is that I can use the equity in my investment house (I have one house I live in and one investment house with equity of about $140,000) to purchase shares via a managed fund.

Just wondering what the opinion of anyone in here who plays the market is?

Is it a good time to jump in??....Is getting a loan based on the equity in my investment house to buy shares via a managed fund a good idea??

My personal worry...

investing now?? advice]]> 27