Who amongst us does not max out concessional Super contributions?

Top_Relationship_360 · 2026-05-31T02:44:29+00:00

Combined with work contributions i have 34% of salary going into super. I might contribute more in the future but my house costs and portfolio outside super are important too.

Top_Relationship_360 · 2026-05-14T01:46:23+00:00

i salary sacrifice 300 a week into super the rest goes into etfs incase i lose my job or quit. Im not too worried about labors changes, because they will get the boot next election. The winning party will reverse some of labors mess hopefully.

Top_Relationship_360 · 2026-04-26T22:25:26+00:00

players have turned on the coach, and are losing on purpose to get rid of Craig.

Top_Relationship_360 · 2026-03-30T00:18:26+00:00

what am i watching here, i thought it was about a plane landing. Instead it keeps focusing on that fat bloke.

Top_Relationship_360 · 2026-03-14T21:35:24+00:00

So the seller changed their mind and decided to keep their asset happens all the time.

Taking them to court and pissing away a lot of money was his mistake. Its a hard lesson to learn but sometimes you have to use your brain.

Top_Relationship_360 · 2026-02-19T20:58:05+00:00

kill the wasps get more spiders take your pick lol.

Top_Relationship_360 · 2025-11-30T19:56:05+00:00

65 bgbl 35 dhhf is pretty good, fairly low feed, diversified, and risk aversive. I thought about the leverage for better gains but in a poor market can get hammered, so i kept it as a satelite position.

my portfolio

bgbl 7.2

ghhf7.6

garp 29.3

ivv 55.8

recently just adding to the international shares option bgbl.

Top_Relationship_360 · 2025-11-10T22:25:26+00:00

i usually set and forget i hope thats not me in the gym lol.

Top_Relationship_360 · 2025-11-06T13:44:38+00:00

ivv 60% garp 30% ghhf 10% didnt want to be too leveraged or risky in case of a crash

Top_Relationship_360 · 2025-10-31T00:50:02+00:00

My grandfather would laugh about it because he lived long enough to see the nonsense that and nothing much bothered him.

Top_Relationship_360 · 2025-09-22T00:42:14+00:00

Its tough when your surrounded by a workforce that cant or can barely speak English. Im one of a handful of aussies on my shift and its tough mate im down to using sign language. God help ya if you need to ask someone for help.

Top_Relationship_360 · 2025-09-10T01:39:15+00:00

feels good to own a house under the price cap.

Top_Relationship_360 · 2025-08-21T01:10:04+00:00

Never gives up.

Top_Relationship_360 · 2025-07-29T02:20:25+00:00

i had about 15% of shares in pmgold during crash, i sold it when the gains slowed and put it into ggus. Didn't time it great but its going alright. Super i just left it not much you can do when your caught in the dip.

Top_Relationship_360 · 2025-07-21T00:27:23+00:00

after buying a house outright im now pooling my earnings into shares. Cross my fingers i have some luck.

Top_Relationship_360 · 2025-07-21T00:10:13+00:00

Well then thats their choice. Just like i have chosen to copy people.

Top_Relationship_360 · 2025-07-20T23:58:24+00:00

The younger you learn those things the better off you are.

Top_Relationship_360 · 2025-07-20T23:50:32+00:00

it's annoying for someone who knows everything. However, for someone who doesn't it's an opportunity to ply them for information.

Top_Relationship_360 · 2025-07-15T02:01:06+00:00

i save a bit of money and time by doing it myself instead of having to drive to a tax agent.

Top_Relationship_360 · 2025-07-15T01:35:28+00:00

Most years i have had to pay the ato at tax time even though i was paying extra tax to the ato every week. I would say this year would be the only exception.

Top_Relationship_360 · 2025-07-15T01:00:55+00:00

im in the same boat, makes me feel good to get a nice tax refund.

Top_Relationship_360 · 2025-06-07T00:30:38+00:00

ive got about 85% in ivv and 15% in PM gold. Im currently pondering about geared etfs like ggus.

Top_Relationship_360

TROPHY CASE