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I've tried investing in various things that didn't work out as I hoped. Now, I'm looking at ETFs as a more reliable option. What are the best 5 ETFs for a beginner looking to invest a lump sum?

Great content. Thanks for all your videos. Would like to please check your thoughts on using Family trust to buy ETF/managed fund for long term investment by using wrap account. Also if you views on Dimensional Advisor funds. Many thanks 😊

Great analysis, thank you! A bit off-topic, but I wanted to ask: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

I like your videos. Please do a video on comparing investment property vs ETF. Since most people would get a mortgage when buying invest in a properties (i.e. leveraging), for a like-for-like comparison, please consider levaged investment in ETF. Thanks.

Aged care will eat up quite a lot.

Great content. Our succession plan is in place and our children have their own share market portfolios. They contribute from their part time jobs after school. We talk about life every night at the dinner table. I remember doing the same thing with my parents when I was young.

Try talking to an Aussie at Australian Super. Indians only answer the phone, they have the IQ of a loaf of bread.

Thanks Irene, with the vanguard kids account, is there an option to reinvest the dividens back instead of cash?, how does this look like in a tax point of view as well

Hi Irene, which one is the best saving account for international students? Thanks

Hi guys I’m new here , may someone please let me know know what the best brokers in Australia to buy reits ?

I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.

Hi Irene how are you? I am 44 years old 33k on super I am with aware super What are you suggesting for me for my super growth I am Looking for lows fees and high return

I've been banking with HSBC for years. The forex rate with HSBC is bad. From experience, whilst HSBC don't explicitly disclose a fee, it is included in their spread. The (former) Citibank and Mastercard rates are much better. I've experimented making international transactions using the both the HSBC card and other Forex free cards (e.g. CBA, NAB, etc) at the same time and found HSBC to be more expensive by ~1-3% after conversion.

Btc will take over investment properties in 10-15 years

Thanks for the forecast! I have a quick question: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

Hi Irene, around 7:00 when you said: if you sell investment property within account based pension - It is CGT tax free. What is "sell within account based", is it something only relates to SMSF or for everyone?

Financial stability does not depend on how much you earn, but rather on how you manage your spending. Happiness does depend on financial stability and does not depend on how much you earn. Otherwise, all high income earners are happy people which is illogical.

The best thing about using a debit card is - if it gets compromised, the thieves can only use the balance. Keep the balance really small and transfer across what you need for the day. Rare tip: Some debit cards do not have a cash withdrawal trans fee if the machine is located in a shopping mall. Great for travelling and foreign exchange if you choose the right one. Choose one that notifies you as soon as there is a transaction. My preference is the UP Card.

Macquarie offers 5% base rate without any requirements, so no hassle at all like other banks😂

HSBC global account uses HSBC's own foreign exchange rate which is worse than Visa or MasterCard rates. No one can predict how the Forex is gonna move in the future so there's not much point in switching to a different currency. ING has the best interest rate, HSBC has the best cash back. But they require $1000 and $2000 deposit each month respectively. I'd rather just go with ING for the high interest savings account

Hey, we really liked your video! Since we're working holiday makers, we can't have any credit lines in Australia. So, it's been hard to find good banking options, especially since we're used to getting a lot of benefits in Europe. We also loved your video about high-interest savings, thanks again for that! We were wondering if there's any particular joint account option that we can open, or if we should just stick to one of the names you already mentioned.

I get over 10% staking with crypto…get with the times

It's simple...you know based on interest rates what your morgage repayments will be so if you can factor in a higher rate to something crazy high and can make the repayments....it's cheaper than renting. Why? Because renting is so unpredictable and unstable

I never liked debit cards due to the lack of scam protection vs credit cards however using them through apple pay could be a good way of circumventing their weakness.

HSBC has the BEST platform hands down! Big international company like Philips morris has partnered up with them since donkeys years! 12 years now with them as their premier customer, and their security systems trump all big 4, although APRA CPS 234 compliance is a must but most Aussie mobile app has no security feature like global banking.

Great video as usual. I know you said that you don’t use credit cards, but I wish you do a similar video comparing credit cards. Using them well is more advantageous than using debit cards. Some credit cards offer rewards that you can redeem for flights, products or even cash backs, and 55 interest free days. This means that instead of paying for your purchases straight away with your debit card, you can leave the money in the bank earning interest, and up to 55 days later pay the credit card balance in full avoiding any interest. Also, once you accumulate enough points you can redeem them. They also offer other perks like extended warranty for products, travel insurance, product discounts, etc. By the way, Macquarie bank decreased their interest offering to their transaction account to 2.75% interest per annum, and increased the interest to their saving account to 5% for balances up to $1 million. Their savings account for the first 4 months is 5.50% for balances up to $250K

You're doing a fantastic job! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

Macquarie also gives the highest gift card discount.

Been with Navexa fora year and happy with the UI and customer service.

Sorry save in physical Gold 55 now started 35 years ago ! And silver 3rd generation jeweler ! DONT TRUST ANY MIDDLE MEN OR THIEVES ! I HOLD IT ,I OWN IT AND 2 HOUSES banks and digital is crap ! Cash stashed ready to drop for assets ,Gold ! Made more on Gold ! But ,I will take these banks into account just to keep the bill money in !

As always great video explaining everything with details. I have tried navexa and also hold an account with sharesight. I agree that navexa has a more clean, user-friendly platform, however it is not ideal for amateur investors with small portfolios who invest mainly in etfs and they don't need to pay the subscriptions for all the extra features, but they want to just track their portfolios. I wish it had a similar free version just like sharesight has with up to 10 stocks.

If you live in Australia and report to the ATO Navexa is way way better

I'm wondering why the Australian government is so dishonest... always making law's that only benefit the Very dishonest government... Hmmmm .40+% on fat fat fat welfare payments And around another 30+40% public self servents. If you're a private sector workers SLAVE CLASS... your best option is ..to leave Australian..

I signed up using the link, I am not getting the discount, shows full price??

My accountant recomened - simpleinvest360 - what do you think of this , i was thinking of navexa - i have passive holding company, trust as owner of company , with trustie , aprox 30 - 3 mil etf and companies , and 1 property arented . i want something that i can do most if not all tax , make accounts job easier , know what and where i am at . using xero and my every slow xcel . any feed back

Manual parcel selection is a big one especially with cost base adjustments that make the calculations quite complex. Still not sold on the value proposition of a monthly/yearly subscription though.

Brilliant video!

Do you have a promotion code for the 25% discount rather than clicking on your link?

Sharesight is expensive but better.

Thanks for another great review.

Thank you Irene very informative! Could you please make a video talking about what is you investing style? do you invest every month? waiting for the lows? what is your style? I'm a beginner I want to invest monthly from my paycheck

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Hi Irene! :) With the ME Bank option, will I get the bonus interest rate if I deposit the money directly to my HomeME account from an external bank account, or do I need to deposit it to the SpendME account first/instead? If it is the latter, will I still get the bonus interest rate if I transfer the deposit from my SpendME account to my HomeME account or if in case I decide to use the money in my SpendME account? Thank you!❤

Great content!

Non of those conditions interest me and if I’m giving them my money has to be no conditions. ING held my family members money with no interest and refused to give me the sign up moneys had to go to aftca for pain and suffering compensation.

Did I miss any gem account? 🔎Open ING account with $100 bonus: beacons.ai/irenezhu

A couple things you didn't factor in that are very important: 1. Assume a higer LVR at 90% (add LMI to your calculations) 2.Continue to assume a 3% return on property after inflation... but that annualised return is on the geared (borrowed) funds. 3. Assume a $100,000 deposit for a $1,000,000 purchase with a 3% return. Your $100,000 investment, thanks to gearing, now returns 30% 4. Yes, gearing does mean that any losses on property are also multiplied - but there's a reason banks will lend 90% of the value on a residential property and not on other asset classes 5. There are significant tax advantages to owning your own home. You did mention stamp duty as a cost, but there's no CGT when you sell your home. If you buy right you can sell at retirement and downsize. 6. Balanced portfolio - you are already investing 11% of your total income into other asset classes through Super - also very tax effective. But mainly - you didn't account for the accumulated benefits of gearing with reference to purchasing a property through borrowed funds.

here a scenario where a couple pay a house of in 4 years.. I did it in 3. Average income single 75, couple 140k. buy in a regional town close to work for 450k 3 bedroom brick house 1970s build. serviceable, can be renovated to add value but otherwise good condition. there buils are 35k a year. leaving 110k to save. they save 20% deposit in a year. they buy and move in. they now save 120k per year. with a 340 k mortgage. they pay the house off in 3 years. they now have 140k to live on... do this twice and in 8 years, sell both and you'll have a paid off house in Sydned in 8 years vs 30 years.

Love your work. Thank you.

$8000 pa maintenance costs, where do you get this figures?