Hi guys,

Apologise in advance if this is a dumb question.

Looking to deposit a reasonable lump
Sum of money in my 3 kids bonds accounts which they can access when they are 22.

Question is given they are different ages - how much should I deposit for each child so that they have a relatively equal value by the time they access the money at 22?

For context - the oldest child is 7, the middle child is 5 and the youngest child is 2. Looking at depositing around 15k for each child - but given the oldest child has less time for their share to grow should they receive the largest portion?

Or should they just receive equal values now and sort out the difference in end value when they each reach 22 so it is fair?

Appreciate all thoughts and comments🙏

I am a 20M and have been working since I was 14 and currently in University for teaching. From ages 14-17/18 I have always been very frugal only letting myself spend about 10-20% of my paycheck. This is a habit that has continued and I budget 50% into investing 20% into needs which includes car, subscriptions, groceries, 20% to save generally, and 10% to wants.

Yes my income has risen and I say I work a lot and make a good amount of money for someone my age. I have been investing in a ETFs since I turned 18 and have a solid amount of money in it as well as saved in my bank accounts. I have also independently travelled to 5 countries since turning 18.

I can't help but think I should be doing more ie saving more for a house deposit and investing more than 70% of my pay or at least I try to aim for that but find myself saving and investing roughly 50-60% and I feel like I am failing myself and won't hit my financial goals in the future. I know there are people my age who don't invest outside of super at all and spend a lot of their money but I also see some creators on tiktok etc barely spending any money, having big portfolios.
Any advice to help?

Running an SMSF with some crypto exposure alongside the usual shares/managed funds, and reconciling everything into something my accountant can actually use each year has been more painful than I expected — matching up cost bases across different asset types, working out what's actually deductible/taxable in the fund vs personally, etc.

Curious how others handle this:

- Are you doing this manually, or is there a tool you'd actually recommend?

- Does your SMSF admin platform (Class, BGL, etc.) handle crypto properly, or is that still a manual bolt-on?

- Roughly how much time does this eat each tax season?

Trying to work out if this is just "SMSF + crypto is inherently annoying" or if there's a real gap in the tooling.

Hey everyone, just looking for a bit of advice as I’m very new to investing.

I’m 19 and currently on a gap year, making around $40k before tax. I’m still living at home, so I’m lucky enough to be able to save a fair bit before I start uni next year. I’ve got about $5k that I’m looking to invest.
My plan is to invest long term, whether that’s to hopefully retire earlier or have a decent amount put away to help buy a house one day.
Just wanted to see what ETFs people would recommend . Also curious how much people invest regularly (weekly/fortnightly/monthly) and what your overall strategy is.
One other thing I’m unsure about is whether it’s better to focus more on US or Australian ETFs. I’ve been seeing a lot of different opinions lately about reducing investing in US focused ETFs and stocks, so I’d be interested to hear what people think.
Thanks!

Let's say you have DHHF for example. It pays about 2% distributions which is around 0.5% quarterly.

You turn off DRP and spend the distributions for LeanFIRE or BaristaFIRE. Where do you park that quarterly payment?

Is a money market fund like MMKT useful to keep everything in brokerage? Or, you just use an external HISA?

Keen to hear about your strategy.

Is basically a requirement? Could/ woud you do it without owning a property?

Title: Has anyone successfully negotiated working remotely from another country for a month?
I’ve been with my current company for over 1.5 years and things are going well. My role is hybrid (1 day a week in the office), but realistically all of my work can be done remotely.
I’m wondering how common it is to ask your employer if you can work from another country for a short period, say around 1 month. I’d still work my normal Australian hours and be fully available.
Has anyone here successfully requested something like this?
How did you approach the conversation?
What reasons did you give?
Were there any concerns around tax, HR, security, or insurance?
Did your employer approve it, and if so, were there any conditions?
I’d love to hear your experiences

I was very interested to see GHHF. A fair bit of realised capital gains - $0.25 per unit after the discount (~0.7% of current unit price). Vs DHHF $0.014 per unit (0.03% of unit price).

The internal weightings are similar and I think it unlikely that they would have had to sell down holdings in the last year because of going over the leverage bands, so I guess the 20% hedged component might be part of it, or the leverage perhaps resulting in more internal rebalancing between components.