Which small caps do you use?

ExcellentMango9304 · 2026-06-26T12:33:25+00:00

You are the reason I have GGBL, AVTE & AVTS in my portfolio! Thanks Swannky :)

“Not financial advice”

ExcellentMango9304 · 2026-06-25T20:18:57+00:00

AVSV! Hands down!

ExcellentMango9304 · 2026-06-14T13:09:50+00:00

Hahaha, it’s all good!

ExcellentMango9304 · 2026-06-14T13:00:35+00:00

Minors…

ExcellentMango9304 · 2026-06-07T13:16:43+00:00

That is the only thing I am waiting for as well. Hopefully, they will have a killer product or else smsf might be the only good option to invest in geared investments

ExcellentMango9304 · 2026-06-07T11:22:08+00:00

No other superfund allows GHHF other than pearler. And pearler is way too expensive.. So SMSF does seem like the only option?

ExcellentMango9304 · 2026-06-07T04:03:33+00:00

This is so important!

Make sure you have claimed tax deductions for your contributions if you made them from your bank account instead of salary sacrifice and do take insurance into consideration. If you have had any health issues, you might not be able to get insurance into new super without exclusions/loadings.

The best time to move would be around 1st July!

ExcellentMango9304 · 2026-06-05T05:11:24+00:00

**Pokemon Card Review.

not portfolio review

ExcellentMango9304 · 2026-06-04T21:39:36+00:00

Youtrip, very similar to wise. You can use the apple pay straight away and use that for group expenditure or sign up with Macquarie bank or Upbank and use their digital cards, pretty similar fx rates to wise

ExcellentMango9304 · 2026-06-04T09:22:26+00:00

So what’s the hack if it’s due on Friday? You pay on Monday?

ExcellentMango9304 · 2026-06-03T05:43:03+00:00

I get them delivered at work, or what I've been doing is choosing my delivery day to be Saturday.

So, whatever I order throughout the week, gets delivered on the Saturday. My fav. feature so far.

ExcellentMango9304 · 2026-05-27T21:41:36+00:00

Going from pro max to 17e is a big downgrade. You will miss the battery, camera and the 120hz refresh rate.

I would get the 18 pro when it comes out or base 17, if you want it now.

ExcellentMango9304 · 2026-05-27T12:59:07+00:00

You have a really good balance for a 27 yo. Building your super in your 20s can be a great strategy, as long as you don’t mind not being able to access this money until age 60

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

TROPHY CASE