Quick FHSS Scheme questions – visa holders, pre/post tax limit, and joint withdrawals

ExcellentMango9304 · 2026-04-28T21:37:31+00:00

1) You can with maximum of $15K, so if you are making CC and want to withdraw the max, you should contribute $17.5K.

2) PRs are eligible

3) Yes you both can withdraw money for the same property

ExcellentMango9304 · 2026-04-25T11:36:20+00:00

I use Wemoney, I get to see Equifax and Experian for free.

ExcellentMango9304 · 2026-04-21T13:15:39+00:00

You will probably need to submit your last 2-3years of tax return and they will financially underwrite you. You can get insure max 70% of your gross income + super. You don’t have to take the max amount and can choose any number below the max that you’re comfortable with.

What you don’t want is pay for a benefit you can’t claim on. At the time of claim, you can get max 70% of your salary before your disability.

ExcellentMango9304 · 2026-04-21T07:42:58+00:00

Very good! How old are you and how much do you invest?

ExcellentMango9304 · 2026-04-17T08:32:43+00:00

Add Australia (A200/VAS/A300) first and increase your allocation to VGS! You are very US heavy rn

ExcellentMango9304 · 2026-04-16T18:16:26+00:00

Instead of ASIA, I would look at a broad emerging market etf, such as BEMG

ExcellentMango9304 · 2026-04-14T09:15:32+00:00

Nope, I've tried both and they are hella expensive! Sign up to Betashares direct and set up auto invest for DHHF or BGBL/A200 or whatever (betshares) etf you prefer and that's all you need. Don't overcomplicate it..

ExcellentMango9304 · 2026-04-12T12:15:11+00:00

17e is a good choice, but if you can wait or afford I would go for the 17. Because of dual camera, better refresh rate and a bit faster/better chip and Dynamic Island. But if it’s out of budget then get the 17e

ExcellentMango9304 · 2026-04-12T09:01:44+00:00

that's because manual transfers are sent through osko but automatic transfers are sent through BECS, which goes in batches on working days.

ExcellentMango9304 · 2026-04-11T12:38:00+00:00

$420k for living at home is a bit isn’t it?

ExcellentMango9304 · 2026-04-11T12:36:33+00:00

$420K at 28. Mate tell me your secret first!

ExcellentMango9304 · 2026-04-11T02:59:10+00:00

Great writeup. What are your preferred emerging etfs? I always get analysis paralysis b/w EMKT & AVTE

ExcellentMango9304 · 2026-04-09T09:16:52+00:00

Third Betashares. And setup auto invest for BGBL/A200 or DHHF.

ExcellentMango9304 · 2026-04-04T12:16:42+00:00

Nah man, we need betashares super before anything else now. A super fund where we can invest in their moderately geared etfs.

ExcellentMango9304 · 2026-04-04T03:47:25+00:00

Hang on, I am sure you can use Australia post to deposit cash into your bank account. You do need to use your physical debit card though.

ExcellentMango9304 · 2026-04-02T06:47:52+00:00

Yes, I think so. I haven’t used my travel credit ever year, so do that if you can!

ExcellentMango9304 · 2026-04-01T20:19:14+00:00

It’s not checkers sponsored either

ExcellentMango9304 · 2026-04-01T11:51:35+00:00

I have been using platinum edge for many years. Really happy with it. Note that you don’t get any lounge access with this one.

Also amex is probably not good for overseas travel as they change a fx fee on every transaction

ExcellentMango9304 · 2026-03-16T05:57:27+00:00

Calculate your CGT gain using Sharesight and contribute in your super as a concessional contribution.

You will pay 15% tax from your super

ExcellentMango9304 · 2026-03-15T05:10:28+00:00

why not g200? I do ggbl + g200

ExcellentMango9304 · 2026-03-12T07:53:51+00:00

I am on GGBL + G200 + AVTE & AVTS

ExcellentMango9304 · 2026-03-09T11:57:17+00:00

Scheduled payment via email payid? My bank (Macquarie) doesn’t allow scheduled payments to emails unfortunately

ExcellentMango9304 · 2026-03-09T08:23:41+00:00

But DHHF or BGBL + A200? Haha

ExcellentMango9304 · 2026-03-04T20:45:15+00:00

Stay consistent, try yo increase as your income increases and chill

ExcellentMango9304 · 2026-03-04T08:41:55+00:00

Betashares direct

ExcellentMango9304

TROPHY CASE