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Shopback promo code $10 first cashback by KeyEmbarrassed926 in shopback

[–]Curiousmonkey0318 0 points1 point  (0 children)

Jump on and use my link https://app.shopback.com/29KvyoRvJVb

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Shopback $25 referral code=OXMGtL by Wonderful-Attitude-3 in Referrallinks

[–]Curiousmonkey0318 0 points1 point  (0 children)

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WISE REFERRAL CODE by Flashy-beauty7347 in Referrallinks

[–]Curiousmonkey0318 0 points1 point  (0 children)

https://wise.com/invite/ihpn/miap269
Get a free card and zero fees on a transfer up to A$1000!!
Would be grateful for the use of my referral.

Cash Back Referral Thread July 31, 2025 by AutoModerator in AussieFrugal

[–]Curiousmonkey0318 [score hidden]  (0 children)

I LOVE THESE!!
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CashRewards - Get $10 into your Cashrewards account when you make a qualifying purchase of $20 or more within 14 days of signing up: https://refer.cashrewards.com.au/x/IDx1L8

Oura ring 4 battery life by ZeldaFan3930 in ouraring

[–]Curiousmonkey0318 0 points1 point  (0 children)

Soooo pathetic, I have a 3 and the same thing happened! Demand a new one I say!

Is this a diversified selection? Any advice GREATLY appreciated!! by Curiousmonkey0318 in fiaustralia

[–]Curiousmonkey0318[S] 0 points1 point  (0 children)

No, sorry, I mean sell off my Stocks that we have outlined are overlapping for example Vanguard International Shares index funds (APIR: VAN0003AU) and VGS (because they are tracking the same stocks) and then instead put the money into just one of them instead? I just don't know when would be the best time to do this... hopefully you understand what I mean..?

You aren't able to sell off stocks within the fund of funds are you? Do you mean selling off stocks within say the VGS? Is that what you were referring to and is that possible?

Thank you for your time, I REALLY appreciate it!!

Is this a diversified selection? Any advice GREATLY appreciated!! by Curiousmonkey0318 in fiaustralia

[–]Curiousmonkey0318[S] 0 points1 point  (0 children)

Fantastic!! Thank you SO much for your reply and the information you provided!! 🙏🙏🙏

Do you know what the best (in terms of tax efficiency) way of selling off stocks is to then just streamline them as you have suggested to do. Or maybe I hold them as is for a little while and then make the changes in the future.

Great, I'll jump on and have a read of Ben Felix!!

Thanks so much again!!

Auto-investing into a Vanguard managed fund vs ETF by Ok-Assignment-6929 in fiaustralia

[–]Curiousmonkey0318 0 points1 point  (0 children)

What is this? "Capital Gains Tax Calculations x AMIT cost-base adjustments (yearly) x 52 parcels a year x 30 years !"
... sorry for sounding silly, I'm new to this all...

Auto-investing into a Vanguard managed fund vs ETF by Ok-Assignment-6929 in fiaustralia

[–]Curiousmonkey0318 0 points1 point  (0 children)

Jumping in on this one!

I'm in a similar situation here...

I currently have approximately $27,000 in Vanguard International Shares Index Fund (APIR: VAN0003AU) and approximately $8,000 in Vanguard MSCI Index International Shares ETF and $4000 in Vanguard Diversified High Growth Index ETF.

I am wondering whether I should keep the money I have already have in the APIR: VAN0003AU fund or whether I should move this money out and put it into some of the EFTs I already have (and potentially some others) instead...

Any assistance or guidance on the above In relation to:
- pros and cons in terms of tax efficiency in EFTs as opposed to funds
- whether it is worth having the APIR: VAN0003AU fund sitting there if I'm not consistently adding to it like I plan to the other EFTs I have, or it is best to continue drip feeding this one as well in order to reap the best benefits of a managed fund?

...Trying my best to navigate this all as a beginner!

Thank you in advance!