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We're an app that simplifies investing for financial independence. Get involved: pearler.com/exchange

04/11/2026

Tech stocks had a rough week. Pearler investors were paying attention. ⁠
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A reminder, though: market movements can create different reactions among investors. Some get nervous, others see an opportunity to stick to their investing plan. ⁠
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Of course, a dip doesn't automatically mean something is cheap or that it's the right time to buy. Do your research, understand what you're investing in, and make decisions that suit your goals. ⁠
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Not fine print: We’re proud to provide this general information, and just want to remind everyone to do their research because when you invest, your capital is at risk. ⁠
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Also, you and your approach to investing, your goals and needs are much more important than any fake urgency apps may try to create in order to get you to trade. The same goes for apps that try and make it seem so simple that it doesn’t matter. ⁠
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Before considering any financial product, make sure you read the relevant disclosure documents, including the product disclosure statement and, if relevant, the Target Market Determination. Of course, if you’re unsure, seek out a licensed adviser.⁠
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Pearler Investments Pty Ltd (ABN 32 625 120 649) is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927).

03/11/2026

Higher interest rates might be good news for your savings account, but what does it mean for your ETFs?⁠
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Both can compound. Tax changes how much you’re compounding on.⁠
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Savings account: the bank pays you interest, and you’re taxed on it at your marginal rate each year. If you leave the interest in the account, the next lot of interest is earned on what’s left after tax. You’re still compounding, just on a post-tax amount.⁠
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ETFs: when your units rise in value, that gain is unrealised. You generally don’t pay tax on it until you sell, so future growth builds on the full gain, including the part that will eventually be taxed. When you do sell, capital gains tax applies.⁠
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Distributions (the ETF version of dividends) work more like interest. They’re taxed each year, whether you take them as cash or reinvest them. They can also include capital gains the fund itself has realised.⁠
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And the obvious one: ETF prices can go down. Your savings balance won’t drop because the market had a bad week. Your ETFs can.⁠
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So neither is better in every case. It depends on your timeframe, your tax situation, and how comfortable you are watching your balance move. Everyone’s tax situation is different, so consider getting tax advice.⁠
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Not fine print: We’re proud to provide this general information, and just want to remind everyone to do their research because when you invest, your capital is at risk. Also, you and your approach to investing, your goals and needs are much more important than any fake urgency apps may try to create in order to get you to trade. The same goes for apps that try and make it seem so simple that it doesn’t matter. Before considering any financial product, make sure you read the relevant disclosure documents, including the product disclosure statement and, if relevant, the Target Market Determination. Of course, if you’re unsure, seek out a licensed adviser.⁠
⁠
Pearler Investments Pty Ltd (ABN 32 625 120 649) is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927).

03/11/2026

Cash rates move and can be unpredictable, but your plan doesn’t have to be. Here is what today could mean for you.

Not fine print: We’re proud to provide this general information, and just want to remind everyone to do their research because when you invest, your capital is at risk.

Also, you and your approach to investing, your goals and needs are much more important than any fake urgency apps may try to create in order to get you to trade. The same goes for apps that try and make it seem so simple that it doesn’t matter.

Before considering any financial product, make sure you read the relevant disclosure documents, including the product disclosure statement and, if relevant, the Target Market Determination. Of course, if you’re unsure, seek out a licensed adviser.

Pearler Investments Pty Ltd (ABN 32 625 120 649) is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927).

02/11/2026

$50 a week really does add up. If we zoom out and use a compound interest calculator (we have one on our website if you want to go and have a play around with the numbers), here is what it would look like assuming a 9% annual return compounded monthly. ⁠
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Not fine print: We’re proud to provide this general information, and just want to remind everyone to do their research because when you invest, your capital is at risk. ⁠
⁠
Also, you and your approach to investing, your goals and needs are much more important than any fake urgency apps may try to create in order to get you to trade. The same goes for apps that try and make it seem so simple that it doesn’t matter. ⁠
⁠
Before considering any financial product, make sure you read the relevant disclosure documents, including the product disclosure statement and, if relevant, the Target Market Determination. Of course, if you’re unsure, seek out a licensed adviser.⁠
⁠
Pearler Investments Pty Ltd (ABN 32 625 120 649) is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927).

02/11/2026

Victorians get a public holiday. Your office probably gets 2 minutes 30 seconds of free time. But do investors invest less on Melbourne Cup Day, and what does the sweepstake potentially look like if you were to opt out? ⁠
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Not fine print: We’re proud to provide this general information, and just want to remind everyone to do their research because when you invest, your capital is at risk. ⁠
⁠
Also, you and your approach to investing, your goals and needs are much more important than any fake urgency apps may try to create in order to get you to trade. The same goes for apps that try and make it seem so simple that it doesn’t matter. ⁠
⁠
Before considering any financial product, make sure you read the relevant disclosure documents, including the product disclosure statement and, if relevant, the Target Market Determination. Of course, if you’re unsure, seek out a licensed adviser.⁠
⁠
Pearler Investments Pty Ltd (ABN 32 625 120 649) is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927).

31/10/2026

30/10/2026

Don’t stress if you haven’t got your Halloween outfit sorted. Here are some quick back up options 👻

Address

Gate 2 Avenue
Kensington, NSW
2033

Website

http://pearler.com/

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