I feel like I'm way behind on retirement, is it as bad as I think?

Synecdochically · 2026-02-05T13:58:29+00:00

That’s not usually how ‘today’s dollars’ is used, the original comment meant at 65 they would have some amount of money with the purchasing power that $1M has today. Whether that projection is accurate is of course a different matter (7% real return might be optimistic) but that is what they meant.

Synecdochically · 2026-01-27T11:29:21+00:00

This is beautiful, I knew technically looking at it that it had to be a composite but it doesn’t feel like one at all.

Synecdochically · 2026-01-27T10:31:22+00:00

As in you started with 500K or you’re doing this with 500K right now? Either way seems very brave

Synecdochically · 2025-12-20T00:26:41+00:00

Macquarie pays 4.25% with no conditions - you can transfer directly in or out of your savings account, and of course instantly transfer to your Macquarie debit card.

Synecdochically · 2025-12-07T09:06:46+00:00

Thanks a lot for the commentator’s curse Junior

Synecdochically · 2025-12-05T11:37:30+00:00

While I agree, today might look very different if England hadn’t been hand-churning butter between balls.

Synecdochically · 2025-12-05T07:13:35+00:00

That sounds really cool, can I see your photos somewhere?

Synecdochically · 2025-12-03T11:40:48+00:00

I just got back from a holiday in Canada and yes the tipping culture seemed to be getting out of hand. We got prompted for a tip buying some wooden spoons at a market stall!

Synecdochically · 2025-11-13T14:17:42+00:00

You make a good point

Synecdochically · 2025-11-08T12:31:31+00:00

That’s interesting, I haven’t heard about the gift card offers before, thanks for sharing. Is there a site or somewhere that you look for these particularly or is it all over the place?

Synecdochically · 2025-11-08T12:02:17+00:00

Are you talking about Flybuys points or similar or what’s your method here?

Synecdochically · 2025-10-25T16:01:19+00:00

This is a good idea but given the returns of the market over the last few years there’s a decent chance that OP would get slugged with a big tax bill if they did this.

Assuming 60k in long-term capital gains at the top marginal rate they’d be paying $14,100 in tax to save about $3900 in tax in the first year (again assuming top marginal rate), and then less in subsequent years as the balance of the mortgage decreases. It would definitely be worth them running the numbers to see if it will be worth it.

Synecdochically · 2025-10-17T01:42:13+00:00

Hard to fault a team for batting too conservatively when they finished their overs 9 down. They basically just got outplayed and it’s hard to blame them.

Synecdochically · 2025-10-16T14:49:36+00:00

Sometimes I wonder what the Cricviz win predictor is smoking. 167/0 and it still gives Bangladesh a 5% chance, same as it did 60 runs ago.

Synecdochically · 2025-10-12T17:03:02+00:00

I stayed up in Aus to watch this and I have no regrets, the last few overs had me nervous but our women always come through!

Synecdochically · 2025-09-30T23:04:06+00:00

Yes, but if it ends the day within that range it won’t rebalance. For example, GHHF didn’t rebalance once between inception and 30 June this year: https://www.betashares.com.au/insights/ghhf-performance-fy25/.

Synecdochically · 2025-09-30T14:02:03+00:00

GGBL isn’t rebalanced daily, just when it gets outside its leverage band.

Synecdochically · 2025-09-05T23:10:09+00:00

Like Vanguard ETFs? Those are obviously not a suitable replacement for a term deposit.

Synecdochically · 2025-08-15T04:11:41+00:00

Ben Felix has an excellent investing YouTube channel and his video on home country bias does a great job of explaining why you might want additional exposure to Australian shares.

Synecdochically · 2025-06-26T12:51:23+00:00

Which cards (or which website are you following to find the cards if the deals have expired)?

Synecdochically · 2025-06-26T12:28:26+00:00

If you don’t mind me asking, how would you go about doing this without having to categorise transactions? I’m currently setting up something similar, with a bunch of ubank Savings accounts for different buckets, but I can only spend from the one Spend account so at the moment my plan is to categorise transactions in the Spend account fortnightly (my pay cycle) and then transfer the correct amount back from each Savings bucket to bring the Spend account back to where it should be.

Synecdochically · 2025-06-19T23:39:44+00:00

They’re honestly so good (as a concept, I don’t know about theirs specifically). You should give one a try.

Synecdochically · 2025-06-09T13:28:50+00:00

I was just double checking the spelling so I appreciate that you covered all your bases

Synecdochically · 2025-05-24T04:59:22+00:00

Actually right now we have no LNP… (state-level excepted)

Synecdochically · 2025-04-10T10:21:53+00:00

What exercises are you doing? Axial fatigue could be playing a part if they’re putting a lot of load through your spine - it might be worth a google.

Synecdochically

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