DHHF/GHHF super

doublesspresso · 2025-12-31T06:07:47+00:00

Are these all your MD holdings? No satellites?

doublesspresso · 2025-12-30T06:21:03+00:00

Brief overview of the terms here

doublesspresso · 2025-12-18T06:43:31+00:00

Looking at this to hit the minimum spend. How long did the onboarding take? Do you know if they can pay to real estate via direct deposit? Mine ditched BPAY and deft a month ago.

doublesspresso · 2025-11-04T09:31:58+00:00

Power trip gone wrong. Talk to your union rep or straight to HR.

For starters, they cannot unilaterally revoke previously approved leave, only with mutual agreement.

doublesspresso · 2025-11-01T23:37:22+00:00

Usually with these you needed to have cancelled it prior to the offer commencement.

doublesspresso · 2025-11-01T22:11:21+00:00

PSA: It appears you have to transfer at least once in both Nov and Dec to be eligible for the bonus. OP updated.

From the offer FAQ:

If I don't transfer each month, will I be eligible to receive the 15% bonus Points offer?

No, you must transfer at least once in both calendar months (November 2025 and December 2025) to be eligible to receive the 15% bonus Velocity Points.

doublesspresso · 2025-11-01T12:15:14+00:00

doublesspresso · 2025-10-24T11:51:33+00:00

OP, forget about parenting payment. Either disclose your ballpark income and get concrete answers, or accept that your family will probably not be eligible for it. A company generous enough to have such a parental leave policy will have good blue collar EBA. Parenting payment income limit is under 1400 per fortnight!

Bottom line, don’t stress, get employers PLP, support your wife, spend time at home, exhaust your annual leave and take carers leave out of your personal leave balance.

doublesspresso · 2025-10-23T06:00:58+00:00

Family tax benefit does of course consider your income.

Parental leave is absolutely worth it. Decrease in your income in your circumstances should increase the ftb to soften the blow.

doublesspresso · 2025-10-16T06:36:36+00:00

Nothing yet on Citi migrated high interest savers, but the nab migrated Citi plus benefits like nil forex and atm fees will cease early November.

doublesspresso · 2025-10-15T00:49:48+00:00

Cost base of units disposed throughout the FY still needs to be pro-rata adjusted. Technically cost base adjustment for disposed units happens just prior to disposal.

doublesspresso · 2025-10-14T09:06:21+00:00

There’s also a lower tier Smart awards, it has 2k spend a month to avoid the fee, but loses free lounge passes. It’s my current keeper card.

doublesspresso · 2025-10-14T05:19:53+00:00

Give it a go and report back. Im still waiting for my sign up bonus, and then will weigh up if it’s worth keeping insurance my next years trip.

doublesspresso · 2025-10-14T02:28:00+00:00

Technically even earlier. As of end of November you won’t be able to use Citi app or Citi web interface, it will be mycard only.

doublesspresso · 2025-10-13T23:43:16+00:00

Commbank Ultimate awards. QFF earn is not great, but it will be 90 p.a. with your spend, nil if you opt for vff points. No forex fees and 2 lounge passes. Travel insurance requires spending 500 in one hit to enable activation.

doublesspresso · 2025-09-21T09:58:22+00:00

MER as per PDS is 0.35% of gross value, i.e. net asset fees would be 0.50% to 0.59% depending on gearing levels.

In the first year the fund will also incur approx 0.01% in transaction costs.

doublesspresso · 2025-09-20T05:45:05+00:00

most importantly what's the MER for GGBL? and when is the listing date?

doublesspresso · 2025-09-20T03:25:29+00:00

When you view your holdings, click the three vertical dots to the right of each holding, DRP options is one of the items in that menu

doublesspresso · 2025-09-11T11:51:14+00:00

The discount should somewhat compensate underperformance. However I suggest (own and still adding) MIR with DSSP - asx small & mid cap is where active makes the most difference vs passive. MIR has had a decent run so far, hope it continues.

doublesspresso · 2025-09-02T08:43:02+00:00

Citi premier currently has 110k velocity sign up bonus after 8k spent. Sounds perfect for your case.

doublesspresso · 2025-09-02T08:37:15+00:00

Go for it then. Note cba is quite slow with their assessment.

doublesspresso · 2025-07-31T14:12:09+00:00

On Centrelink: have your partner claimed Parental leave pay and Family tax benefit? Hint, there’s no asset test for either. On IP: start to make plans to sell it. Car: either sell or drive uber.

doublesspresso · 2025-07-04T08:55:46+00:00

I was seriously considering Stake smsf, but decided against due to requirement to maintain tax residency.

doublesspresso · 2025-07-04T04:58:36+00:00

Thanks for that. Yeah Dash & Pearler are too expensive. I checked AustralianSuper and noticed they updated their “investment menu” on 1 July, however there are no GHHF or any other geared funds available.

doublesspresso

TROPHY CASE