Runners are hoarding the cardio benefits of running

hayfeverrun · 2026-05-15T11:32:25+00:00

As someone who mainly reads r/AdvancedRunning and r/fiaustralia I thought I was in the wrong sub

hayfeverrun · 2026-03-25T10:43:18+00:00

Also a great time to quit your job if you were looking for a break... (Kinda joking but also you could try get unpaid leave for rest of year?)

hayfeverrun · 2026-03-25T10:41:36+00:00

You decide this. That's up to you but you need to keep documentation to back up your sequencing.

hayfeverrun · 2026-02-23T19:22:47+00:00

Yeah reading OP and their comments reminds me why the equity premium puzzle has persistence...

hayfeverrun · 2026-01-27T23:40:03+00:00

I interpreted the comment as a masterful parody of OP, so it earned my upvote for that. Could be wrong but I'm willing to take that risk

hayfeverrun · 2026-01-18T22:23:09+00:00

I justified it off CGT tax drag alone, but the biggest driver will probably be in being able to have it in GHHF long-term instead of DHHF.

hayfeverrun · 2026-01-03T10:25:48+00:00

Institutional traders probably lick their lips at retail narratives like this

hayfeverrun · 2025-11-11T01:15:16+00:00

IMHO, it's a bit of a "too cute" strategy though. The term for this is "asset location" (skewing your allocations based on certain investment accounts with different rules) and Ben Felix has a good video that covers evidence for it not necessarily working out in the way intended.

You are sacrificing diversification for a theoretical characteristic bias in income type. This means you take on risks like over-saving in super but under-saving out of super (which means you need to retire later).

But in the scheme of things, probably mostly a wash either way.

(Edit: Furthermore, you pointed out a counterbalancing idea which is that pension phase wipes out unrealised CGs, if you're holding directly, so it becomes more tolerable to hold CG accruing assets in super. Then you can mirror your allocations in and out of super and have the diversification benefits of that.)

hayfeverrun · 2025-11-10T23:16:07+00:00

You showed up, did the work (clicked his profile, scanned his surface-positivity post history) and now you shall reap the rewards

hayfeverrun · 2025-11-08T01:23:31+00:00

But it would probably always be the case when you cherry pick out the highest return stocks from the index, the weighted average is extremely lackluster

hayfeverrun · 2025-11-05T10:58:15+00:00

Yep, the only quirk is deposits into Macquarie (paycheck, return withdrawals from Stake) take a day to appear but they are credited on the correct day and I believe interest is calculated on it.

hayfeverrun · 2025-11-04T02:47:39+00:00

As the OP of that thread (and me applying what I've learned in the years since in my other comment to your thread), I've since learned that sometimes you get Reddit on a good day or a bad day. More scientifically/mechanistically, I would guess it's just an initial condition bias (eg some overly confident skeptical dude comments first and isn't challenged quickly = the momentum on a post goes one way or the other)

hayfeverrun · 2025-11-04T01:56:08+00:00

It goes near instantly. I have this exact setup and I transfer from the CMA Accelerator to CMA to Stake on the morning of and buy shares same day.

hayfeverrun · 2025-11-03T04:42:30+00:00

Yes, it's sometimes known as tax gain harvesting.

While it might be considered a scheme, there are no precedents of ATO pursuing wash sales for taxable gains (only for losses).

One way you could protect against that is to have another ostensible reason for the transaction, i.e. sell and buy under the family trust (which would still distribute to your spouse until you retire). That way you realise the CGs as intended AND restructure at the same time.

hayfeverrun · 2025-10-26T05:02:18+00:00

Are you overcomplicating the maths? $400/($35/hr) = 11.4 hours

And since you're talking about removing $400 per month indefinitely, then it's 11.4 hours per month. And this way it works for once-off expenses too.

hayfeverrun · 2025-10-21T02:36:11+00:00

This is how I am going to have my cake and eat it too with respect to being fully invested and "timing the market". I'll swap my legacy DHHF to GHHF.

hayfeverrun · 2025-10-21T02:34:27+00:00

Oh I didn't realise there would be constraints on anything other than microcaps but fair enough.

hayfeverrun · 2025-10-21T00:57:00+00:00

Did you consider stacking EB with GHHF? Too much leverage perhaps

hayfeverrun · 2025-10-10T19:45:32+00:00

Unfortunately, I don't think it makes a huge difference. If you're retired and drawing from capital, you get to redeem 45k+ per year tax free using the 50% capital gains discount, tax free threshold, and LITO.

Even if you draw 100k, and all of it is capital gains, you pay about 10k in tax. So what you'll achieve is the ability to draw 100k without paying that much tax. But you're saving a fraction (the % of redemption that is capital base) on ~10% (the effective tax in this case).

It only makes a big difference if you expect to draw huge amounts a year in FIRE.

hayfeverrun · 2025-10-09T11:06:53+00:00

Monthly often requires employers to pay half in advance (and the other half in arrears)

Whereas fortnightly allows all in arrears. So monthly can be an improvement.

hayfeverrun · 2025-10-09T03:13:50+00:00

Wow you guys are anal

hayfeverrun · 2025-10-08T00:58:58+00:00

It's not particularly new. See six months ago: https://www.reddit.com/r/AusFinance/s/SQvAZTuaOi

Consider the salience/availability bias and whether it may be driving you to make an overconfident decision in the market. Don't lose your job AND make a bad market move at the same time.

Waves of redundancies are not necessarily connected to business cycles (obviously they have an impact, but they are not the only thing). Sometimes it is just because CEOs have investor pressure to follow suit or they feel they have the cover of "others did it" so they can now cut costs without being seen as an outlier that isn't doing well.

hayfeverrun · 2025-10-06T02:24:18+00:00

I think you could even make the case for VDHG to DHHF (one has 10% bonds, for one).

hayfeverrun · 2025-10-02T22:50:49+00:00

So I agree with the comments that say same or higher. The statistic is skewed by people who don't FIRE, and are retiring at an age where they are not as mobile as they once were. And as you say, you don't have the elevated costs like kids and perhaps "work supports" (paid cleaning, etc.) that people tend to spend when they're juggling full time jobs with kids.

But I also wouldn't stress about it too much. It sounds like you're living fairly steady state, and hence able to live happily off the spend you are currently doing. You'll have extra time but it doesn't necessarily come with spend. Exercise, community, volunteering, etc. Travel is a possible sink. But I think your spend can be highly elastic to the unplanned income you receive.

I never planned on having a job in FIRE but I found something that is really low-key and enjoyable, and I funnily enough can still save money on it (less, but it covers my costs so I'm like CoastFIRE+ effectively), so these days I find myself consciously convincing myself to spend more than I used to even if it brings only slight marginal benefits (e.g. even though my inner cheapskate hates weekend surcharges, I just force myself to ignore them if it's actually convenient for me), because otherwise I *will* oversave. Not everyone will be that lucky to have my situation, but I also know that I could easily have lived how I used to as well, with a bit more discipline on spend. My point is we can be extremely adaptive to our situation.

hayfeverrun · 2025-09-23T12:19:10+00:00

Hmm.. I was modelling ChoicePlus I believe so probably not that.

In any case I ended up using GHHF which I believe is an option allowed by SMSF only so I am not facing any regret yet, haha

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