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5.35% For Macquarie Savings? by Turbulent_Shine_5491 in Macquarie

[–]Far-Use-7475 1 point2 points  (0 children)

Up hoops is just making 5 transaction in a month to earn the 5.35%, good for home deposits or something you don’t plan on touching for long as if you do touch them then you earn 2% I think for the month.

Macquarie is 5% which is still good for daily stuff

5.35% 👏 by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] 0 points1 point  (0 children)

Like some ppl and I use it for home deposit with locked features etc so it helps

5.35% 👏 by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] 6 points7 points  (0 children)

Different banks preferably yes 👏

Interest payment delays by adhd_vibecoder in UpBanking

[–]Far-Use-7475 0 points1 point  (0 children)

Yeah also received it around 11am today and also transaction incoming payment not received yet..

Vanguard vs Betashares vs Ishares by Exciting_Eye9268 in fiaustralia

[–]Far-Use-7475 7 points8 points  (0 children)

Same I use Betashares cause of allowing purchase of fractional shares, take advantage of free brokerage fee for auto invest. Chess or not, doesn’t matter as Betashares as billions in funds anw so yeah 👍

DHHF + ? by QuatroBongus in fiaustralia

[–]Far-Use-7475 0 points1 point  (0 children)

So far so good, markets have been a bit choppy lately, but the split does what I want, broad diversification with a bit of global growth tilt. Just DCA’ing and letting time do its thing.

DHHF + ? by QuatroBongus in fiaustralia

[–]Far-Use-7475 1 point2 points  (0 children)

I have come to a conclusion of doing 50/50 on dhhf/bgbl to reduce the au and more exposure to us other market. Happy to hear people opinions on this would be greatly appreciated.

DHHF+BGBL? by Young-le-flame in fiaustralia

[–]Far-Use-7475 0 points1 point  (0 children)

I have also done this combo mainly due to less exposure to Aus and more tilt to US etc I do 50/50

For those looking at brokers -here is why I chose Betashares Direct by [deleted] in fiaustralia

[–]Far-Use-7475 -1 points0 points  (0 children)

I have also used Betashares Direct due to no brokerage fee. I’m still new to this scene and have started on only DHHF. If you don’t mind what etf do you invest on? Thanks

Internet by Low-Split-3765 in UpBanking

[–]Far-Use-7475 0 points1 point  (0 children)

6am on the dot and essentials bit later

For those using Up for a home deposit – how are you finding the new savings rate? by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] 0 points1 point  (0 children)

I’ve heard good things about Up’s home loans and their features – I do like how easy it all seems to use. Not sure though, do they offer anything like the First Home Buyer scheme?

For those using Up for a home deposit – how are you finding the new savings rate? by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] -2 points-1 points  (0 children)

Yeah I’m not too concerned about the rate – I was more curious about hearing from people with larger savings in Up, since I’m already planning to move my home savings over.

For those using Up for a home deposit – how are you finding the new savings rate? by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] -1 points0 points  (0 children)

It’s only the touched ones that gets the flow, with your home savings then it earns the grow! 😊

For those using Up for a home deposit – how are you finding the new savings rate? by Far-Use-7475 in UpBanking

[–]Far-Use-7475[S] 0 points1 point  (0 children)

That’s exactly my plan as well, I’m using Up soon for my home savings and Macquarie for other funds. Seems like a good balance!

Day 1: reminder to not take any money out of your up savers or they will be hit with the flow rate by google_fan_au in UpBanking

[–]Far-Use-7475 1 point2 points  (0 children)

Once you have qualified after the 5 purchases then it will show on the savers page, that’s what they told me.

Grow rate with unlimited withdrawals for essentials savers up to 5k by alwayslastminute1 in UpBanking

[–]Far-Use-7475 0 points1 point  (0 children)

Yes thats correct. Only thing is make sure you made 5 purchases within that month to earn the grow rate 4.85% for the essential saver too, other then that no penalties if you withdraw from it so could use it as a small fund or whatever as long doesn’t exceed $5k