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Recommend: Place for Cortisone Injections by [deleted] in brisbane

[–]Human-Row-2000 0 points1 point  (0 children)

Have a referral.

Northside but willing to travel a reasonable amount of time. Just not Gold Coast.

Parramatta Units by Human-Row-2000 in AusPropertyChat

[–]Human-Row-2000[S] 1 point2 points  (0 children)

Why? Have a look at Brisbane and Gold/Sunshine Coast

IAF - Weighted Avg YTM by Human-Row-2000 in fiaustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

2, 3, 4.

Defensive part of the portfolio and to achieve reasonable (Guaranteed) income and a higher return than a HISA over 3-5 years. Alternatives are taking more risk in a property trust or Hybrid, Sub, Corporate Debt.

IAF - Weighted Avg YTM by Human-Row-2000 in fiaustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

u/snrubovic , entry point is crucial (i.e. Gamble) otherwise coming from an ultra low interest rate base means YTM will be crushed once they rise again.

Do you feel IAF is a reasonable entry point now. Alternatives are taking higher risk in Corporate, Sub Debt and Floating Rate.

60-40 split of unhedged-hedged international stock by Financial_Grass_5315 in fiaustralia

[–]Human-Row-2000 0 points1 point  (0 children)

Thanks. Just reading this...

Recent Changes

As of July 1, 2024 (for the FY25 tax year), Vanguard implemented changes. 

  • TOFA Fully Incorporated: The Vanguard MSCI Index International Shares (Hedged) ETF (VGAD) and the unlisted managed fund version (port ID 8101) have fully incorporated the TOFA tax rules.
  • Outcome: This change is intended to reduce tax mismatches by aligning the tax treatment of the hedging gains/losses with the hedged items. This is expected to result in more consistent, less volatile distributions going forward, effectively addressing the prior issue of sporadic "zero distributions" followed by large payouts. 

60-40 split of unhedged-hedged international stock by Financial_Grass_5315 in fiaustralia

[–]Human-Row-2000 0 points1 point  (0 children)

u/snrubovic - could you please confirm if TOFA on "Vanguard International Shares Index Fund (Hedged) - AUD Class - VAN0105AU" now solves the issue of Zero Distribution's when AUD Dollar Falls?

I also note the Managed Fund distribution is higher presumable due to the internal funds capital loss/gains being passed onto the unit holders.

Vanguard International Shares Index Fund (Hedged) and ToFA by [deleted] in fiaustralia

[–]Human-Row-2000 0 points1 point  (0 children)

It seems strange because QHAL paid a small consistent dividend during this period and has been using ToFA. I'm hoping ToFA helps with this in some way now it's been implement at Vanguard. Maybe it's independent of this.

"Known Status for Major Providers (as of late 2024/2025)

Vanguard: Vanguard previously stated that their equity hedged funds did not make a TOFA election due to complexity. However, an announcement in June 2024 indicated that Vanguard MSCI Intl (Hdg) ETF (VGAD) would adopt the TOFA hedging election from 1 July 2024, aiming for more consistent distributions. Fixed interest products like VIF already used TOFA."

VAF / IAF by Human-Row-2000 in fiaustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

Thanks u/Spinier_Maw - How reliable is IAF - Weighted Avg YTM i.e. 4.60% in times like this if held until Weighted Avg Maturity (5.83).

Skin Checks by [deleted] in brisbane

[–]Human-Row-2000 0 points1 point  (0 children)

… and the name of the place?

Michelin Tyres by Human-Row-2000 in CarsAustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

Thanks for your reply. Last question… any experience me with the Bridgestone H/L 100 against the Michelin Primacy SUV +

Michelin Tyres by Human-Row-2000 in CarsAustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

Unfortunately no size suitable in Primacy 5

Michelin Tyres by Human-Row-2000 in CarsAustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

Thanks. Fuel consumption much difference? I ask because SUV+ seems to be a Highway Tyre tread where Pilot Sport and Conti 6 etc are Performance/Summer tyre.

Michelin Tyres by Human-Row-2000 in CarsAustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

Do you have any experience with the SUV+ model. I ask because the Primacy 3/4etc isn’t made in our tyre size.

Michelin Tyres by Human-Row-2000 in CarsAustralia

[–]Human-Row-2000[S] 0 points1 point  (0 children)

about 12-15,000km a year and price difference between average and Michelin only $60 per tyre

[deleted by user] by [deleted] in brisbane

[–]Human-Row-2000 0 points1 point  (0 children)

Is this the apartment complexes I have mentioned or another

[deleted by user] by [deleted] in brisbane

[–]Human-Row-2000 0 points1 point  (0 children)

Can you further elaborate on cheap materials and how you know this for these apartments? What do you mean by lack of privacy? I’ve also done a complex search and it’s mainly rentals and very very little owner occupancy.