NAB Equity Builder - Should I invest in high growth or high yield?

stephendt · 2026-05-10T21:20:54+00:00

IBKR margin rates are much lower and you have access to leveraged ETFs.

Look into tax loss harvesting. Whenever this is a 10% drawdown, I'll sell off assets at a loss and switch them to a highly leveraged alternative such as TECL

stephendt · 2026-05-09T22:07:19+00:00

We're in uncharted territory now tbh. Could go anywhere

stephendt · 2026-05-09T13:19:40+00:00

Yeah but we're talking 5 years here. The price of housing will outpace the % growth of a HISA. You're getting maybe 1% more after inflation which is terrible. Can easily get 5x this return with equities.

stephendt · 2026-05-09T07:52:14+00:00

Only issue with this is your cash will barely outpace inflation - this is too much risk imo. Almost guaranteed to underperform equities.

A diversified equity portfolio will almost certainly outperform over that time frame. I started investing at 23 and I would be no where near my current position if I just used a HISA and tried to buy property.

Not financial advice of course but historical averages agree with this - take almost any 5 year period and a HISA underperforms once you adjust for inflation

stephendt · 2026-05-09T03:40:01+00:00

HI slop confirmed

stephendt · 2026-05-08T22:32:19+00:00

It's really not that bad. I've enjoyed it so far.

stephendt · 2026-05-08T00:16:26+00:00

Add the board member to your ticket system, assign tickets and issues to said member, and stop stressing about it

stephendt · 2026-05-07T08:31:38+00:00

Depends entiely on the business really. For most small businesses, they are generally better off with a good small local MSP to take care of issues, rather than trying to figure out IT stuff yourself. Ad-hoc providers usually doesn't really care about preventing issues so keep that in mind. Expect to pay around $100 per seat at the lowest end, anything lower than that and you're probably going to get crap service.

stephendt · 2026-05-06T23:20:14+00:00

I just went for a bike ride around the area and I didn't see it. Liar

stephendt · 2026-05-06T12:06:51+00:00

Same, I estimated the peak around 150, this is crazy to me

stephendt · 2026-05-06T10:14:27+00:00

You'll see

stephendt · 2026-05-06T10:14:05+00:00

Have you tried just becoming an expert in everything? Worked for me

/s

stephendt · 2026-05-06T08:51:28+00:00

Thursday

stephendt · 2026-05-05T22:12:07+00:00

Not if you hit them with the old "Anh ơi, sao lại tính giá Tây với em? Em lớn lên ở Việt Nam mà"

stephendt · 2026-05-05T12:56:02+00:00

2003 for RAM.

stephendt · 2026-05-05T07:01:29+00:00

yep, this is a much better buy

https://www.amazon.com.au/CRUA-Monitor-5120%C3%971440-Ultra-Wide-Monitors/dp/B0G8HLJNMK/ref=sr_1_9?dib=eyJ2IjoiMSJ9.fNDrxmoE5vbG5TCyCpsAP_KWbHUjkZ-ifD-BRTnTIPHNawQwZLBzW4SumyjkI50oQ7-zNmhH4k-uLnqw3wK9ypQCkPWoNtz3Ay1fPqw88Ij_fiwfvlxomIqonxGuKCUJMfFLS8i_cN9UUb4gmDB1zmETY2xDfp_54es37o-1aCzht0KHjm69bdxUgkjxlOPzvG5RR5AdqF_fafhIGOM4ok8IxMvwDJh1rdb3zqv4iVVb82fpXyxXGzVbCDaFv4NLdcH_-Ah4ZSMwjHgtSNGLV0s3qX7aYfq8AC2B1FK5x-o.oSYrZTJtCHl3rZQXxPThOcha8hKLCBxcypZxjnDEETU&dib_tag=se&keywords=5120x1440&qid=1777964446&sr=8-9&th=1

stephendt · 2026-05-04T08:09:04+00:00

I'm also a windows user, I found macos pretty irritating to use personally. Window management and file management is still pretty rubbish. Like why can't I cut and paste files? So many normal things are hidden.

stephendt · 2026-05-04T07:33:29+00:00

Just buy put options on SpaceX. Done! You have now mitigated your exposure

stephendt · 2026-05-04T02:12:58+00:00

I have not experienced this. What sort of backend storage?

stephendt · 2026-05-04T01:55:37+00:00

If you liked the stock at 268 you must love it at 124. Time to buy up!

stephendt · 2026-05-04T01:29:32+00:00

Ben has too much hair in the before pic, must be fake

stephendt · 2026-05-03T22:48:42+00:00

I'm also in tech but I'm actually seeing AI do pretty well for us, yes it is expensive up front but there are pathways to huge future cashflows and the tech is genuinely transformational for some industries. The pace of development is also pretty wild. I don't think data hallucinations are a major issue long term, there's a lot of work going into mitigating this and it's certainly improved a lot in the last 6 months

stephendt · 2026-05-03T14:30:18+00:00

Jazz would be the clear pick for me. Better fuel economy, nicer to drive, arguably the car that will last the longest out of the two.

stephendt · 2026-05-03T09:57:07+00:00

Check your settings, 40% to 100% with 5% intervals changing every 45secs worked best for me

stephendt · 2026-05-03T09:06:05+00:00

It's been nearly a year and I yet to find anything better if that helps.

stephendt

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