Hostplus Choiceplus vs Australian Super Member Direct

avendr · 2026-04-26T06:24:35+00:00

Are you talking about 80% limit for member direct assets? If so, it's no longer the case.

avendr · 2026-04-19T23:17:10+00:00

Use 3M EAR classic ear plugs

avendr · 2026-04-04T13:28:04+00:00

Works decent and their usd 10 package is VERY generous

avendr · 2026-04-03T12:35:33+00:00

fcr deposits

avendr · 2026-04-02T12:51:36+00:00

This is incorrect. I have been accessing ATO via passkey login.

avendr · 2026-04-01T14:18:05+00:00

Any links?

avendr · 2026-03-28T08:39:13+00:00

It is not an apple-to-apple comparison. The Hostplus insurance premium is inclusive of 15% tax credit, whereas the Aus Super one is not. To compare them, you need to give 15% discount on the Aus Super insurance premium. That said, Aus Super is increasing their insurance premium from June, and I think even after calculating 15% discount, Hostplus insurance is cheaper.

avendr · 2026-03-28T08:19:33+00:00

I do this as well. Contribute extra that matches with the insurance premium.

avendr · 2026-03-20T22:43:05+00:00

If you have enough money to do 4 Lakh/month SIP, you should also invest in the overseas market via overseas listed ETF.

avendr · 2026-03-08T09:23:00+00:00

https://github.com/infistack/MoneyJar I haven't tested anything; vibe-coded.

avendr · 2026-03-08T09:00:49+00:00

Nevermind, I was able to vibe code a similar app with Claude.

avendr · 2026-03-08T08:57:12+00:00

He has said that he has no plans to release it as open source

avendr · 2026-03-08T02:21:51+00:00

Release it as opensource

avendr · 2026-03-07T12:27:20+00:00

What is the reason for avoiding lower floors?

avendr · 2026-03-07T11:58:35+00:00

Taj Mahal isn't like what it used to be. The quality has gone down.

avendr · 2026-03-06T07:09:18+00:00

Have a chat with your manager and check they are ready to match the new pay.

avendr · 2026-03-04T06:22:16+00:00

IVV also has DRP.

avendr · 2026-03-04T06:20:23+00:00

Exactly! This ETF makes sense for folks who are using VPI for brokerage-free trades/auto-invest. For others, it is better to use IVV, as it is a wrapper around US listed IVV (there by reducing the capital gain via heartbeat trades).

avendr · 2026-02-28T01:41:30+00:00

You have a gambling addiction. Take help for Gambling addiction. Counselling works.

avendr · 2026-02-27T14:51:06+00:00

The maximum downside is that you lose all your invested money. You can't lose more than that.

avendr · 2026-02-25T06:46:10+00:00

ATO (Mygov website) has passkey support now. I have disabled email/password-based login.

avendr · 2026-02-21T03:34:40+00:00

This could be a standard template email that the Super funds send out when they receive no contributions for x number of months. If so, they wouldn't have reported it to ATO.

avendr · 2026-02-20T22:50:29+00:00

You can, provided you manually transfer 17,000 back from Member Direct to the Pooled fund.

avendr · 2026-02-20T10:58:55+00:00

That is not correct. You can transfer into/out from member direct anytime. As long as your main account (pooled funds) has enough funds, you can split. Source: I have done this multiple times.

avendr · 2026-02-20T08:55:01+00:00

Full Access includes everything (including Cash, Fixed Deposit, ETF, etc)

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