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Posted by6 hours ago

Daily General Discussion and Advice Thread - June 26, 2023

6 comments

Posted by3 hours ago

Proceeds of investment property.

Hey all, recently sold an investment property with $80k post tax profit. Advice on what do to with it to gain long term benefit.

I’m 36. Single. No kids yet, trying for one now. One dog 😂. Renting. Australia. Earn $122k/year and save $2600/month. I have $45k in medical/ivf loan (11% interest rate) and $6k in tex debt - no other debt.

Plan atm is pay off tax debt, use $55k for house deposit (11.5% LMV then have $350k home loan), so I can stop renting and move into something, then $8k emergency savings, $6k off personal loan and $5k into etfs. Then focus on smashing my personal loan with approx $1000/month and begin adding $200/month onto etfs.

Advice? Good plan or no?

19 comments

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316 comments

140

Posted by15 hours ago

Where do I start if I'm interested in investing in bonds?

Already know the different types and currently reading about credit ratings. There's so many different ones, what would you mainly take into consideration?

Was looking into high yield savings accounts but since I already been trading stocks for about 3 years I think learning and diversifying into bonds would be next best step forward.

My main goal is to create some passive income

140

46 comments

Posted by12 hours ago

How does the Walton Family Holding Company work legally?

I was researching estate tax minimization strategies and I saw an article about how the Walton family holds most of their shares in a holding company, Walton Family Enterprises LLC in which each of the Walton heirs is a trustee and holds an equal ownership share.

My main question was whether each trustee in such a structure would have the ability to unilaterally withdraw their share of the assets from the company or is that something that would have to be approved by all of the trustees?

Also, how does the tax structure of a Holding Company that is an LLC work? Does it have to pay corporate tax on dividends or does all income pass through to the individuals?

8 comments

Posted by6 hours ago

Long term investment from Trust Fund

I am 18 and just received my child trust fund, it’s a UK thing which you’re parents put money into and you get the money when you’re 18, and not sure what to put the money into. Not a big fan of doing shares/stocks but would like something stable over a long period of time. Any help at all would be appreciated, thanks.

3 comments

Vote

Posted by53 minutes ago

Financial advisor vs flying solo

I currently have about $1million invested In a stock account managed by a well-known financial advisor (national, advertise on TV, etc.). They're pursuing an almost all equities strategy, which I am on board with and for the most part they've picked good stocks.

My issue is with the fees. I pay them about $11-$12k a year (1%) which is fine except they are barely beating the market and sometimes lagging the market. They do provide me some other value in terms of information and planning.

But I'm just wondering: would I be better off keeping the $1M in diversified ETFs like SPY or QQQ, and firing the financial manager?

(I have a much smaller fund that I keep in ETFs and it's doing just fine. Which has me wondering why I am bothering with the financial manager).

Vote

16 comments

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