March 2022: Journey to Financial Freedom update

Journey To Financial  Freedom Update

Welcome to Passive Income NZ, my Journey to Financial Independence. Every month I share how I am tracking towards financial freedom by providing you with an update of where my portfolio is at and how far I am from financial freedom, and how my spending is tracking. My definition of financial freedom is not really the same as everyone definition. It’s not to stop working; …

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End of Year wrap up 2021

Another year is coming to an end. I hope that you will get to get the chance to take a small break over the holidays. It’s been a challenging year, to say the least for me. Not only did the lockdown and Covid measures make work very demanding, my family situation has changed significantly in the last year. Hence I have taken some time off …

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Online Finance tool testing

Testing online tool

This post is a little bit different to my normal posts. An Auckland university student who is interning for a finance company has reached out to me. They are looking for people to user test a new product. Their product is a personal finance management tool that presents you with different insights about how you spend your money and helps you automatically categorise bank transactions. …

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May 2021: Journey to Financial Freedom update

Journey To Financial  Freedom Update

Welcome to Passive Income NZ, my Journey to Financial Independence. Every month I share how I am tracking towards financial freedom by providing you with an update of where my portfolio is at and how far I am from financial freedom, and how my spending is tracking. My definition of financial freedom is not really the same as everyone definition. It’s not to stop working; …

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The Difference Between Cheap and Frugal

The difference between cheap and fugal

I think there is a real difference between being cheap and being frugal. The difference might be small, but it’s there. I don’t mind being called frugal- but I wouldn’t say I like being called cheap. And believe me- I have been called cheap many times. “You can afford it, don’t be so cheap- live a little- just put it on finance” is what people …

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March 2021: Journey to Financial Freedom update

Journey To Financial  Freedom Update

Welcome to Passive Income NZ, my Journey to Financial Independence. Every month I share how I am tracking towards financial freedom by providing you with an update of where my portfolio is at and how far I am from financial freedom, and how my spending is tracking. My definition of financial freedom is not really the same as everyone definition. It’s not to stop working; …

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My Experience with Peer to Peer Lending

When I started investing in 2013, I only knew one thing: I needed to start investing. I was still working out the details of how and what I would be investing in. I tend to learn best by just doing. So I jumped into investing with a small amount of money. The first investments I ever made were in four active managed fund using RaboDirect. …

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How Can You Change Your KiwiSaver Provider?

How Can You Change Your KiwiSaver Provider

When you join KiwiSaver, you are automatically assigned a default provider if you don’t select a fund. But you don’t need to stick with this same provider. You can change your provider at any time. The best thing to do is spend some time choosing the KiwiSaver scheme that is right for you- which in the long run, you will mean that you are better …

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Besides house, contents, and car, what other kind of insurance should you take into consideration? My Experience with Insurance

My Experience With Insurance (1)

We all know about the importance of home, contents, and car insurance- but what other insurance should you consider? As I’ve been getting older- I’ve been looking into whether I need more insurance. Sometimes while walking to work, I can feel my hips hurting and wonder what I would do if I cannot work anymore- should I get insurance for that? I’ve now had a …

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Thematic Investments: Reviewing Kernels New funds

A Review of kernels new thematic funds from S&P Kensho Moonshots Innovation and Electric Vehicle Innovation

If you haven’t heard, Kernel has introduced two new funds. Both these new funds are thematic funds. Thematic funds are the opposite of diversified funds like Vanguard International Shares Select Exclusions Index Fund or AMP’s All Country Global Shares Index Fund. Both of which have thousands of companies in them both diversified in terms of country and industry. Thematic funds have a theme and are more …

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