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So just spotted this new micro investing app apparently been in the states for a while. It basically rounds up the loose change from your purchases and invests it in a portfolio for you. Myob 12 Full Cracked' title='Myob 12 Full Cracked' />They do charge a fee but it is a conveniently automated process. What does everyone think. Good or bad idea. Reminds me of the old shrapnel jar I used to have. I have created the account. Ive got an account, im liking it so far but have mine set on a high risk strategy so time will tell as to how effective the investments are. WELCOME. A very warm welcome to Accounting Business Expo, the muchanticipated and talked about event of the year. Weve created an unbelievable lineup for you and. Hey all, Im just wondering and I know this is a very broad question as suburb, demand, etc. Have you ever had the software that you always wanted to have, but unfortunately it was a trial software that would expire after a specific period of time. Did you. Very easy to set up. O. P. Might set one up this arvo, what details do they require to work their magic Yes I Put mine one in high risk Strategy as well. Indeed time will tell. Is it actively managed or just dumping in index funds if so youre just paying a small premium for convenience. O. P. Not sure Im keen on handing them my bank account access details. I wonder if the banks are aware of people doing this sort of thing as it breaches the terms and conditions in regard to not giving out your account access details. I know Acorns is a large trustworthy company but it just doesnt feel right. It basically rounds up the loose change from your purchases and invests it in a portfolio for you. They do charge a fee but it is a conveniently automated process. I have this, I deposited 1. Im down 2 dollars, if I get to 4 dollars down Ill pull out. Not sure Im keen on handing them my bank account access details. I wonder if the banks are aware of people doing this sort of thing as it breaches the terms and conditions in regard to not giving out your account access details. Money. Brilliant does the same thing, there are a few apps on the Mac Store that also do the exact same thing. I personally dont see any issues with this, I have known about Acorns. AU for quite a while and only recently was approved for their BETA trial before the official service came out actually its still in BETA. Its like POLi as well, it requires you to login via your bank account details and you can use this in the replacement of BPAY for a few services. Duram writes. lt p data select like a boss1 I have this, I deposited 1. Im down 2 dollars, if I get to 4 dollars down Ill pull out. Thats pretty drastic, only 4. Myob 12 Full Crack ArchiI have lost thousands but Ive also made thousands, you cant just expect to put money into a risk category and expect it to only go up. The Ziggster writes. Port Royale 3 Crack. Is it actively managed or just dumping in index funds if so youre just paying a small premium for convenience. Nah. Just index funds. You only pay a fee if you have more than 5. Id love to use an app like this for investing in funds But I think there are more fees than is obvious. New Whirlpool User writes. Nah. Just index funds. You only pay a fee if you have more than 5. In the PDS it says there is a 1. It looks like there is also a buy sell spread and the fund manager also charges a management fee. There are transaction costs but they arent lists, they just say You may request and we will inform you of any Transaction Costs incurred. If you dont add in money regularly they sell your units monthly to cover fees. Could be a tax nightmare Im pretty sure my commsec account is more flexible and cheaper in the long run particularly with the first 6. Im also pretty sure I can save and invest my money myself but I suspect the app is reaching out for the low hanging fruit nuts of the personal finance world. I signed up to try it out. Great User Interface, I was a bit disappointed by the 1 a month admin fee given some people might only invest a few dollars a month. Hopefully this teaches some young people about investing. In the PDS it says there is a 1. Oops didnt see that monthly fee. Mike. BT writes. Yep, people who dont have the knowledge, want to get into investing and like the convenience factor. Fees might be a killerThough, its not much different from just dumping your change at the end of year with the fees from other stockbrokers right Could be a tax nightmareThis is my thinking. Duram writes. I have this, I deposited 1. Im down 2 dollars, if I get to 4 dollars down Ill pull out. Lmfao. Are you serious Dont check your super balance. AdmiralMason writes. Lmfao. Are you serious Dont check your super balance. Yeah that didnt work out for me last time Rest was down or only slightly up for 2 years so I changed to ING direct and put most of it in cash, that year Rest went 1. So I switched back and now Rest is down, Ive given up on Super. O. P. Its a long term investment you need to look at how it performs over a few years not taking a sample here and there. Duram writes. Yeah that didnt work out for me last time Rest was down or only slightly up for 2 years so I changed to ING direct and put most of it in cash, that year Rest went 1. So I switched back and now Rest is down, Ive given up on Super. It sounds like you dont understand capital markets and investments at all. Your super probably includes some complimentary time with an advisor to talk about what direction is best for your circumstances or at least charges a small fee, which they take from the super balance. You are doing yourself no favours blindly reacting to changes without understanding why they happen. Pathologies Of Rational Choice Theory Pdf Printer. Duram writes. Yeah that didnt work out for me last time Rest was down or only slightly up for 2 years so I changed to ING direct and put most of it in cash, that year Rest went 1. So I switched back and now Rest is down, Ive given up on Super. Hahaha. Good thing youve given up. Theres a similar startup planning on launching soon called First. Step that pretty much does the same thing. It has slightly lower, but comparable fees https getfirststep. I think for someone that wants convenience these schemes look pretty good since the fee structure is really easy to understand just a single maintenance fee charged monthly and seems to my untrained eye to be low. Im very interested in this. Although like others I think it feels weord to willingly give your bank details over to a 3rd party. I assume I can manually deposit funds just to have a play around first The rounding method sounds quite good though, I use my card for everything, dozens of times a week. So funds should build pretty quickly. Sounds ok, though Id rather just buy vanguard or wait for robin hoodilikechicken writes. I assume I can manually deposit funds just to have a play around firstFrom the quick look I had you pay a fee to acorn plus the fee on the ETFs as part of the allocation. So double dipping on fees. Could be 0. 2 on the ETFs in the allocation plus 0. Acorn. There is a range listed on the ETFs. ETFs direct aussiemillion writes. From the quick look I had you pay a fee to acorn plus the fee on the ETFs as part of the allocation. So double dipping on fees. Could be 0. 2 on the ETFs in the allocation plus 0. Acorn. There is a range listed on the ETFs. ETFs direct Buying ETFs outright via a broker requires a brokerage fee. Acorns doesnt have one although they have the 1. Acorns has an effective starting minimum investment amount of 5, and from there you can make microinvestments lt 1 at no extra cost. Buying ETFs via a broker, because of the brokerage fees, means that you should really save up a few thousand before you buy to get the most for the fee. This puts a lot of people off who may not have that much money yet. How much do takeaway stores make Get. Back. To. Work writes. India where its 11. Because I do it my self which cost me nothing which is less than the 11. Or give him remote access so he regularly sets up appointments, defrags your HD, scans for viruses, manages your PC remote so you can save a couple of hours per week doing it yourself. I use a Mac no viruses no defraging or any other annoying traits of using a PC hence the change from PC to Mac I dont see why Trust issue Too far awayWhats the matter An hour of your time here 4. And hour of his time. You save money and have more more free time, so what keeps you from doing it No trust issues, I employ 5 people who perform around 9. I would recommend all business owners to do, not to mention it is something I enjoy. Just like the biz owner you will think of a whole series of things about why it wont work. Many business owners see the same hurdle. Its much easier to just sell and move on. The argument was the claim that the Takeaway iswas a cash cow so if it was indeed a cash cow why would you sell it, then it was stated that employing someone to run it would cost too much and the return would be come to little and to risky to sustain the business. I wouldnt expect much for it, if its a cash cow hire people to do the work. I gave the example of hiring someone to manage it, but you could just as easily hire several people for less money to simply work there while you continue to manage it at a distance. I dont do any of those things. Talked to a biz owner last week, he has a store netting him 1. He is selling the entire store for 1yrs worth of net income. Asked why he doesnt just hire someone. He comes up with a whole hosts of reasons like the above example. Many business owners I know get too burnt out and just want to give up. Its not easy putting in 1. Money is no longer 1 priority when you work like a slave. Maybe instead of selling he could look at means of streamlining his processes, and working smart not hard. When I started out sure i did 7. Labour, Marketing, accounts you name it.