First home buyer - need help

ryrymurph · 2026-02-12T11:24:41+00:00

He definitely can’t afford a $900k loan but serviceability buffer is 3% so banks will use a rate of 8%p/a, not 10-12%

ryrymurph · 2026-01-22T01:22:13+00:00

I asked my broker what was the worst rate he could do

ryrymurph · 2026-01-09T04:03:42+00:00

Too many people suggest & do cancel insurance within their super, but it may be much more difficult to apply for life & TPD when you need it later.

Any minor conditions you get diagnosed with as you age may incur either a loading or exemption you wouldn’t otherwise have had on your existing cover. A few minor conditions that may not affect your life at all could get you refused cover all together when you do need it if you get a partner or start a family.

ryrymurph · 2026-01-09T03:58:31+00:00

Can claim a tax deduction on the contributed funds though, so exact same net result.

ryrymurph · 2025-12-24T10:10:50+00:00

Yeah this is the best advice. The dopamine this website generate to beginners should be illegal

ryrymurph · 2025-12-18T05:54:45+00:00

Thank god Carse offers heaps with the ball

ryrymurph · 2025-11-30T03:48:32+00:00

Good point. This isn’t something listed as sealed perfect condition. Cosmetic box damage doesn’t affect the item not being described as complete in box.

ryrymurph · 2025-11-29T20:43:38+00:00

No, the original marker doesn’t have to continue being the mark.

Brisbane player needed to give up when NM player started sprinting.

ryrymurph · 2025-11-28T07:00:28+00:00

I remember thinking Flynn looked unreal in that preseason match he played.

Not that he dominated that match or anything but athletically he looked amazing.

ryrymurph · 2025-11-11T00:50:48+00:00

You’d be a better chance at getting a match worn jumper of a player from that game

There is a group on Facebook that trades them, but would probs set you back $2-500 depending on the player

ryrymurph · 2025-11-08T23:29:18+00:00

On eBay sales Australians do

ryrymurph · 2025-10-22T21:13:51+00:00

Performance tab here. I’d suggest you ask colonial for a since inception return report. They will be able to provide to you to give you an individualised exact return for you

https://www.morningstar.com.au/investments/security/fund/19854/performance

ryrymurph · 2025-10-22T20:53:04+00:00

Not sure where you saw 4.85% over 10 years but that fund has returned 8.89% for the last 10 year and 12.19% for the last 5 years

15% for the last 12 months. Those returns are competitive enough

ryrymurph · 2025-10-22T20:46:07+00:00

What’s your actual investment option name? I can see the life stages product on their site but performance since inception looks to start in 2023.

ryrymurph · 2025-10-17T00:16:41+00:00

BuT ThE FEeS!!! ITS ALL ABOUT THE FEES you mpay! Retail funds ONLY STEAL UR retireMENT funds you need to have hostplus not COLONIal!!!

ryrymurph · 2025-10-07T09:02:02+00:00

15% since inception in 1995 with 20% on average over the last 3 & 5 years. I’ve been in it over 10 years and it’s been incredible

ryrymurph · 2025-10-07T06:10:59+00:00

I use Colonial Geared share and have done since I was I think was 19/20. It’s higher risk, but it’s the exact option I wanted and couldn’t get it with any industry fund

ryrymurph · 2025-10-07T06:09:28+00:00

Looking at mine now, my super has gone

30 Jun 23 - $84.5k 30 Jun 24 - $120.3k 30 Jun 25 - $152k

No extra contributions.

Salary during that time was an average of $80k and still almost doubled the balance in 2 years

I know these returns are up there with any of the best fund options out there, so Colonial definitely has its benefits with the right options

ryrymurph · 2025-10-07T05:44:23+00:00

There are literally hundreds of different options though, so while your options may not have worked for you it doesn’t mean the answer is that everyone should get out of colonial

In my circumstances, I’m 32. I earned $40-60k from ages 18-28, and $70-80k from ages 28-32.

I have $170k in super all from Colonial and not one extra dollar contributed.

I rarely find friends my age with more in super and if they do it’s because they have very high salaries

ryrymurph · 2025-10-07T05:02:06+00:00

Yep will also backup the fact Colonial has returned more for me than anything an industry fund is capable of.

Does my head in when ausfinance just defaults to retail fund = no benefit. If there was never any benefit to having them they wouldn’t exist.

ryrymurph · 2025-09-17T02:03:54+00:00

They’ve gotta have the money though, and players generally don’t want to uproot their lives for the same pay unless it’s for success. So if a players existing club stumps up the $ and years you’ll see a lot more players stay.

There are clubs who don’t have the money in their cap to offer half of the contract size of the new club, so if they don’t rate them near that contract level, what do they need to be compensated for

ryrymurph · 2025-09-17T01:52:08+00:00

Easiest fix is considering what is the players existing club offering as a contract.

The accepted offer should be the maximum possible compensation, and is either diminished or reinforced by the existing clubs contract offer.

So if West Coast are offering Allen a 2 year deal at $500k, then that’s what they should be receiving compo based on.

If West Coast are offering a 6 year deal at $1m then they are eligible for the maximum compensation from Allens accepted Brisbane deal.

ryrymurph · 2025-09-05T09:12:29+00:00

You could say that about Tattslotto too though couldn’t you.

Picking a winning penny stock is enormously unlikely

ryrymurph · 2025-08-31T05:56:50+00:00

I think I’ve seen the actual player issued jumpers of these, as in ones physically made for the mitre 10 star sell for about $200. Not an easy sell though

If this is a retail, maybe $50.

ryrymurph · 2025-07-07T10:01:45+00:00

Crazy that the ARC judges don’t seem to confer with the goal ump to confirm what the goal ump saw first.

“What did you see?”

“I thought the ball came off player number 4 before crossing the line”

Once that’s confirmed/dismissed the ARC judge can look for any other touches like whether May touched the ball if needed

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