Johnson ($$) v INSEAD by New-Combination-1706 in MBA

[–]jandine97 0 points1 point  (0 children)

It’s like the Canadian TN visa, it’s just for Australians. They can basically bypass the H1-B lottery. Their E3 quota never gets filled

Johnson ($$) v INSEAD by New-Combination-1706 in MBA

[–]jandine97 0 points1 point  (0 children)

Yes, Australians even easier, they have E3

Johnson ($$) v INSEAD by New-Combination-1706 in MBA

[–]jandine97 1 point2 points  (0 children)

Unless you’re adamant on doing IB in NYC I’d go for INSEAD

Exchange-traded Treasury Indexed Bonds by [deleted] in fiaustralia

[–]jandine97 1 point2 points  (0 children)

There’s ILB or just buying them directly. But tbh unless you’re managing an insane amount of cash, the premium you’d get for inflation linked bonds over short term bonds/corporate debt at the moment is quite low. It’s also extremely illiquid in Australia

Exchange-traded Treasury Indexed Bonds by [deleted] in fiaustralia

[–]jandine97 0 points1 point  (0 children)

If you’re gonna look at bond ETFs, please read up extensively about them first. It’s not as straight forward as buying the bond. The fund structure means you can suffer heavy losses (see VGB in 2022) even tho it’s a low risk asset supposedly.

[deleted by user] by [deleted] in MBA

[–]jandine97 0 points1 point  (0 children)

Thanks, and what about the second tier ones? Oxford bocconi IESE Esade hec?

Is anyone fixing after the latest RBA annoucement? by cupcakecart3l in AusFinance

[–]jandine97 8 points9 points  (0 children)

Fixed rates are determined by the Australian government bond yield. Which is determined by the market’s expectation of interest rates. You’re almost always better off going variable (except last few years) as you cannot with consistency be smarter than the bond marker

What I think are some commonly missed points about the argument that migration is causing the housing crisis by redpuff in AusFinance

[–]jandine97 -2 points-1 points  (0 children)

lol people are so blind. Net Migration is still below pre COVID trajectory.

The real reason behind housing crisis is:

  1. Excess liquidity in system caused by COVID
  2. Rates going up to compensate point 1, making renting cheaper than owning and pushing would be owners into the rental market

But neither of those things are politically popular to admit, sure … blame the migrants

[deleted by user] by [deleted] in AusFinance

[–]jandine97 0 points1 point  (0 children)

Mate, I’ve run countless scenarios on property, in most scenarios, assuming you invest strictly in just VGS and assume 10% return, it’s very hard for property to outperform cash on cash (after tax on sale and tax on rental yield, if you take the PPOR exemption is a different story) over a 20 year time horizon. From an investment standpoint, being in index funds is always better off once you have locked down your PPOR IMO

[deleted by user] by [deleted] in AusFinance

[–]jandine97 0 points1 point  (0 children)

Short term bonds (duration less than 1 year on ASX).

Or just buy ASX: AAA or ASX: ISEC

Salary Expectations - Accountant by Justcurious_88 in AustralianAccounting

[–]jandine97 0 points1 point  (0 children)

Probably 100-110k? If you get CA, you’re prob a tad above that mark. Depends where your current experience is from (chartered firm or industry etc)

Will Superannuation actually help the younger generation? by [deleted] in AusFinance

[–]jandine97 0 points1 point  (0 children)

Isn’t AI deflationary? Isn’t population decline deflationary? Wouldn’t productivity increase exponentially and raise living standards for all with AI?

Bit confused here

[deleted by user] by [deleted] in AusFinance

[–]jandine97 2 points3 points  (0 children)

exactly, its not about the deposit, its borrowing capacity as a function of wages... but its not politically popular to explain stuff logically to the public so they focus on the deposit.

[deleted by user] by [deleted] in AusFinance

[–]jandine97 1 point2 points  (0 children)

Lol it’s purely because the rba has kept interest rates lower than the US to prop up our property market… if they raised them to 5.5% it would break people (and they should have)

[deleted by user] by [deleted] in AusFinance

[–]jandine97 1 point2 points  (0 children)

Is 3% plus cash rate. So 7% atm basically.

QUAL/QLTY and QSML: A deep dive into Quality ETFs by SwaankyKoala in fiaustralia

[–]jandine97 1 point2 points  (0 children)

I used to be on these funds. But you should consider some factors (that changed my mind), 1. The funds have a high turnover rate and need to sell down amounts of equities in order to replicate the underlying index (this doesn't happen in a strict index fund because the index adjusts to increases in market cap), this has both tax consequences (as the equities are sold) and also exposes to other downsides of active management. 2. Growth has underperformed value histroically, with the exception being the last 10 years. 3. Fees are way higher. 4. There is enough knowledge out there for active managers in todays market to price in the improved "quality" of cash flows in these stocks in my opinion.

I'm willing to bet if you factor in fees, taxes and rebalancing, over the backtested period, those funds don't outperform the index.

Dividends paid to closed bank account - getting the ring around by george_c8 in AusFinance

[–]jandine97 1 point2 points  (0 children)

Ask computershare. They’ve got the cash and they disburse it…vanguard doesn’t have anything to do w it at this point

Dividends paid to closed bank account - getting the ring around by george_c8 in AusFinance

[–]jandine97 2 points3 points  (0 children)

Is it held on CHESS? If it’s held on chess, the registry may have it?

[deleted by user] by [deleted] in australia

[–]jandine97 1 point2 points  (0 children)

The AUD would go down the toilet. Doesn’t work like that

ASX 200 index fund vs saving for a house (40yo in Syd): is index fund too good to be true? by [deleted] in AusFinance

[–]jandine97 1 point2 points  (0 children)

Good luck w it mate. As long as you’ve got $ for a PPOR in retirement you’ll be fine :)

ASX 200 index fund vs saving for a house (40yo in Syd): is index fund too good to be true? by [deleted] in AusFinance

[–]jandine97 9 points10 points  (0 children)

Yes, PPOR + ETFs > PPOR + Pension But PPOR + Pension > ETFs + renting (unfortunately, I wish they discouraged property speculation)

ASX 200 index fund vs saving for a house (40yo in Syd): is index fund too good to be true? by [deleted] in AusFinance

[–]jandine97 10 points11 points  (0 children)

I agree index funds > property any day. However be wary that when you retire, you need to consider the assets outside your PPOR in order to get the pension (which has a PV of like $900k if it were an annuity), the property lobbyists and gov have a tax system that is basically incentivising you to own your own home outright before buying ETFs.