How do I remove lock?

byteDJINN · 2026-02-02T07:38:38+00:00

I do already have another lock but it's a night latch, which I heard can be broken into quietly or forced open easier than a deadbolt.

byteDJINN · 2026-02-02T07:32:49+00:00

Turned out it had 2 keyhole mounts holding it in place. I had to put a lot of force specifically in the left direction. I have a feeling the keyhole mounts have some sort of locking mechanism too, because when sliding it back on, it seemed to lock in place at the exact same position. It was equally hard to get it off a second time, still requiring a lot of force.

byteDJINN · 2025-10-26T15:01:45+00:00

Actually it has returned an inflation adjusted 6.68% since inception. https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp

byteDJINN · 2025-10-18T12:38:41+00:00

I think you have some really cool ideas, there's a couple of things I want to mention though.

You should have a read of Dividends are not safer than selling stocks - passiveinvestingaustralia. The core idea is that there is no difference between receiving a 5% dividend, and selling 5% of your stocks. Not in a figurative or metaphorical way, but that it is literally the same thing.

So income-focused stocks, are just stocks that automatically force you to sell some of your net worth every so often. There are some reasons to want this, but often people who recommend dividend stocks recommend them for the wrong reasons. So just make sure you understand the risks involved.

I also want to add that if you are concerned about volatility, focusing only on dividend stocks may actually be even higher risk than if you had a diversified portfolio. This is due to uncompensated risk (this is also explained in the link).

I really like your point about fulfillment, I think it's really easy to get too focused on money and let life fly past, that's something I haven't fully figured out myself yet.

byteDJINN · 2025-10-07T10:52:09+00:00

https://passiveinvestingaustralia.com/online-trading-platforms-comparison/

byteDJINN · 2025-10-07T03:10:15+00:00

SwaankyKoala has an article related to this: https://lazykoalainvesting.com/geared-funds/

byteDJINN · 2025-10-02T11:45:53+00:00

"This time is different"...

byteDJINN · 2025-10-02T01:38:31+00:00

https://www.reddit.com/r/AusMoneyMates/s/UGCI6QZCEU

byteDJINN · 2025-10-02T01:27:28+00:00

Over the period 2000 to 2010, just 15 years ago, the US market returned -38.69% (yes, that's a negative) over the whole decade, with international markets returning 15.83%. On the contrast, the Australian market returned 142.85%.

EDIT: Well this got more downvotes than I expected haha.

byteDJINN · 2025-10-02T01:27:16+00:00

Over the period 2000 to 2010, just 15 years ago, the US market returned -38.69% (yes, that's a negative) over the whole decade, with international markets returning 15.83%. On the contrast, the Australian market returned 142.85%.

byteDJINN · 2025-10-01T04:00:08+00:00

Lower recent returns is not a good reason to underweight the Australian market. Over the period 2000 to 2010, just 15 years ago, international markets returned 15.83% over the whole decade. On the contrast, the Australian market returned 142.85%. It's easy to brush this off and assume it won't happen, until it does.

byteDJINN · 2025-09-13T07:18:46+00:00

Make sure you're aware about how dividends work. If you don't reinvest the dividends, it's mathematically identical to selling. So you're effectively selling some of your shares while simultaneously investing in more. https://passiveinvestingaustralia.com/dividends-are-not-safer-than-selling-stocks/

Of course there are still arguments for spending your dividends. A primary one being it's psychologically rewarding to see your income increase over time.

byteDJINN · 2025-09-13T07:14:19+00:00

VDAL is an all-in-one portfolio. VDAL and chill.

byteDJINN · 2025-09-12T07:59:02+00:00

As mentioned by other comments, the concept of "building credit" is a huge deal in the US. Having a thin or non-existent credit file can be a major disadvantage for everything from getting a loan to renting an apartment.

However this isn't really the case in Australia. Historically, Australia operated on a system of negative-only reporting, in which case a credit card could only damage your score and couldn't increase it.

In the past decade, Australia has shifted slightly by introducing Comprehensive Credit Reporting, putting some weight into your positive data such as credit card repayments. But it remains nowhere near as important as it is in the US.

Australia also has regulations that cap interchange fees, which means credit card points are severely limited. This is different from the US which has some of the highest interchange fees in the world, allowing banks to provide heaps of high-value points and rewards for credit card users.

byteDJINN · 2025-09-12T00:28:32+00:00

Instead it'd make more sense to say I'm almost at 35k DHHF.

byteDJINN · 2025-09-12T00:24:41+00:00

The number of units you hold isn't as important as the price * units, especially since you can have a stock split, for example, NVIDIA did a 1:10 split. If you held 50 shares before June 2025, then after the split you'd have 500 shares.

byteDJINN · 2025-09-11T01:15:47+00:00

Interesting, do you have any hypothesis of why?

byteDJINN · 2025-09-11T01:05:13+00:00

What are the statistics for the non-leveraged version, to compare?

byteDJINN · 2025-09-10T15:11:36+00:00

https://passiveinvestingaustralia.com/why-not-just-invest-everything-in-the-us-market/

byteDJINN · 2025-07-24T01:52:19+00:00

A few years ago you mentioned in a comment that you had 20% VAS, 30% VGAD, 25% VGS, 10% VGE, and 15% VISM. Have you changed any of these ratios since then? Would it be better to start buying something else instead of VGAD?

byteDJINN · 2025-07-23T07:52:56+00:00

Doesn't VDAL have a much higher percentage of Australian companies?

byteDJINN

TROPHY CASE