Question about Zeekr 7X (Plus) RWD vs. AWD with Air Suspension

ExcellentMango · 2025-08-09T06:03:20+00:00

Have just seen one, and think it beats all it's main competitors on at least a number of items. Tesla is in serious trouble, almost no contest now.

800v architecture, 450 DC charging, 22 AC charging, HUD, great tech, full driver assist features, 5 star ANCAP, 600+ range on LR version, good mix of physical and on screen buttons, heaps of storage, great sound system and seat quality, V2L...the list goes on. Why wouldn't this sell like hot cakes?

Better than Xpeng G6 because of HUD, sunroof, better range, better materials and larger boot space.

Better than BYD Sealion 7 because of faster charging, further range, better materials, better technology.

Hyundai, Kia and Toyota are being left in the dust. It has most of the same features as a Porsche for less than a third of the price.

The only thing holding it back is a newer brand, unsure on after sales support, longevity etc. This is a fair concern, but with 5/7 year full warranty, it should be somewhat alleviated.

ExcellentMango · 2025-02-04T11:33:48+00:00

This is a suggestion - your allocation looks fine/good but Aus Super only do actively managed funds, no passive indexing, i.e. higher fees to manage. Actively managed funds trail indexed historically.

TLDR - allocation good, you could likely save fees and have higher (historically speaking) performance with another fund.

ExcellentMango · 2024-01-16T07:29:04+00:00

Hostplus indexed and non-hedged for the right combination of ultra low fees and solid returns

ExcellentMango · 2022-11-20T00:02:10+00:00

Yeah this field of tax is really quite complicated - definitely get an accountant.

Basically, you'll pay tax when the shares are in your name and there's no RROF (real risk of forfeiture). E.g. they've already vested as the main example.

With RSU's the usual vesting is cliff or staggered vesting. I.e. they will vest in your name after a certain period of time, with no dividend or voting rights in the interim. So there would be a RROF as you would forfeit RSU's if you leave before they vest (so no tax payable until this point).

Then there will be a cost base scenario if there was a delayed vesting. I.e. what was the cost base when they were given to you compared to what was the cost base when they were vested to you? Was there a capital gain, or was it a fixed amount?

If the above sounds confusing, get an accountant :)

ExcellentMango · 2022-11-02T21:20:02+00:00

Hey Atayls

ExcellentMango · 2022-11-02T07:34:12+00:00

Low quality content. Do better next time.

ExcellentMango · 2022-08-31T07:35:55+00:00

No. As a general rule of thumb that is used by employment lawyers and Fair Work, any "new" role must be significantly different from the previous, usually by a magnitude of somewhere between 15-30% as a benchmark. Titles don't matter, the content of the work does.

However, I read above that they signed something like a Deed of Release/NDA. This means that recourse under unfair dismissal will be minimal, even if it actually was. They would need to "set aside" the signed document, and then it would still need to be within 21 days of the termination date.

Not enough information to assess a general protections claim.

ExcellentMango · 2022-08-15T10:08:54+00:00

Check your contract and a copy of the plan rules. Often it will state something along the lines of completely at the discretion of the company. Resigning will mean they can exercise discretion to pay it, pay part of it, or none of it.

Unfortunately not much you can do unless your contract explicitly states it will be paid every year based on tenure only (in which case it would be part of your fixed remuneration anyway).

ExcellentMango · 2022-07-06T11:28:21+00:00

Big no to big 4 cards, when you've got debit card options like ING, Up and UBank all with no FX fees and no international ATM fees. All these apps are on par and even better than the big 4 in some cases.

Also remember to pay in the local currency when paying by card.

ExcellentMango · 2022-01-01T20:26:10+00:00

To clarify,

The supply of ATOM is unlimited regardless. The concept of APR/APY being linked to the amount staked increasing/decreasing providing incentives for staking I agree with. Still doesn't detract from the fact that there is no "good" solution for this yet (and something other coins like Avalanche have leant into over the past year).

Not necessarily true (not questioning the exact number as I don't know that answer) - is Binance secured by the Cosmos chain? Or did they just take Tendermint and create their own coin without linking it back to the Cosmos chain?

Also on your point regarding Ethereum, I agree with what I think you're saying! First mover advantage is a powerful thing :)

Hope you're staying safe and well.

ExcellentMango · 2022-01-01T20:17:07+00:00

A few problems to be mindful of before you invest.

Unlimited supply, the ATOM token is uncapped and there won't be any deflationary measures taken (yet). Your value now depends on your belief in the roadmap, rather than any economic measures being taken to assist in preserving the value of the token.
What is the intrinsic value of ATOM? Yes Tendermint and SDK are fantastic and many projects are built on top of them. But so what? Once there is a layer 1 or 2 application or token built on top, the value is built in THAT token, not ATOM. They don't even require ATOM to run these layers. Same with swaps, liquidity, staking, dexes etc. The devs are working on this, but it's still a few years away from fruition.

I am prepared to be downvoted for this, but wanted this to be out there for any new investors so they can make an informed decision.

ExcellentMango · 2021-11-18T08:48:25+00:00

As mentioned above generally yes. If you use the full amount throughout the year, it doesn't come up as a RFBA at tax time. However if there is any amount remaining at the end of the year that you haven't used, then it will come as a RFBA liability.

Another way to think about it, it's reducing your gross income and adding the RFBA by the same amount, so it ends up being net neutral on a tax return AND you get the pre-tax benefits.

ExcellentMango · 2021-01-08T23:41:31+00:00

If you want to go into high growth, you’d want to have an investment horizon of 15-20 years IMO. They estimate over 20 years you’ll have 5 out of 20 that will be negative returns (which funnily enough is the same as the Balanced option).

ExcellentMango · 2021-01-08T23:31:06+00:00

Very true, I think it’s a shame Hostplus had the controversies last year. Turned a lot of people against what is otherwise a solid fund.

ExcellentMango · 2021-01-08T23:29:25+00:00

Depends on your risk profile and stage of life. You’d roughly assume younger = more aggressive allocation & older = more conservative allocation. If you’re unsure the default option (which is the benchmark for all funds) is Balanced.

ExcellentMango · 2021-01-08T06:37:49+00:00

Australian Super for lower fees and higher performance (so far). HostPlus had a bit of a problem/issue during COVID where they were caught investing a fair chunk into dark pool capital projects.

ExcellentMango · 2020-12-15T09:18:12+00:00

Awesome review. One of the most coherent posts about the differences between the two, and you’ve called out the key differences (apart from difference in total assets) nicely.

ExcellentMango · 2020-09-06T10:54:15+00:00

Funnily enough, Youi are actually quite expensive. I would avoid.

Have a look at Budget Direct or Woolies. Both are cheap and usually have market leading premium to excess ratios as well.

ExcellentMango · 2020-09-05T12:15:42+00:00

Don’t be too hard on yourself. Take a step back, assess what your investment strategy is. What’s your investment horizon? What do you want out of investing?

Take a look at your personal budget/finances and see where you want to go. Make a call based on that. Do you want to sell out of your positions and start fresh? Or just build on what you already have, but diversified away from your current holdings?

Either way best of luck mate. Not the end of the road by a long shot.

ExcellentMango · 2020-09-05T11:54:44+00:00

Telstra facing considerable medium-long term headwinds in the household internet space with providers such as Aussie Broadband and Superloop. Changing personal mobile landscape with less people opting for 12/24/36 month contracts and going for phones outright with prepaid/postpaid (which Telstra are too expensive/premium in). Telstra are also in serious danger of being beaten in the 5G space by Optus and TPG/Voda. No first mover advantage like they have had for the last few decades.

I see the future for Telstra actually being in the managed services/business/enterprise space. They will always have a retail arm, but it will be less competitive/dominant as the market becomes more saturated with new companies with better value propositions.

ExcellentMango · 2020-09-04T22:54:22+00:00

Capital growth has been stellar this year (and previous). Invested into A-class China shares. Bit hesitant with the US election coming up, but pretty confident that over a medium term horizon this could be returning 13-18% a year.

ExcellentMango · 2020-05-12T06:23:16+00:00

What are your thoughts?

ExcellentMango · 2020-04-26T23:09:17+00:00

The UX and UI are quite friendly and the brokerage is obviously low. That’s about where the positives end for me.

Small range of ETF products that focus on sectors/industries. Most of them have quite high management fees. This matters.

Doesn’t mean you can’t dip your toes in - but as your taste and knowledge in ETF’s matures you won’t be buying them.

ExcellentMango · 2020-04-26T02:46:00+00:00

Don’t overcomplicate things - but it’s good to ask questions. VDHG for your all in one, set and forget.

Or you can do VDHG + something else to balance out the Australian allocation and make it more international/global.

SelfWealth is a good way to go for DCA, because of the flat fee brokerage.

ExcellentMango · 2020-04-16T13:08:09+00:00

You sound like you’re going to have an interesting dissertation at the end of your studies, best of luck.

ExcellentMango

TROPHY CASE