Can You Tell Me, Should I be Investing?

Can you tell me- should I be investing?

So-how about it, can you tell me, should I be investing? Yes- absolutely you should be investing… Good simple question… …actually it’s a terrible question. It’s really an oversimplify question. And one that everyone seems to have, and that the internet seems to be able to answer with a resounding yes. The question, Can You Tell Me, Should I be Investing, creates a false dichotomy. There is much more nuanced …

Read MoreCan You Tell Me, Should I be Investing?

How to Invest in iShares Index Funds by Blackrock while Living in NZ

New Zealand Personal Finance and Investing blog, all about Money budgeting debt credit cards and insurance for Kiwis NZ

The passive index investing movement has taken off in a big way- in New Zealand, we’re just catching up with the rest of the world- especially the US. The big-name when it comes to Invex funds is Vanguard, but there is also iShares (ETF) managed by BlackRock. We all know what makes passive index funds appealing- they are low cost, expose us to a large number of companies and a …

Read MoreHow to Invest in iShares Index Funds by Blackrock while Living in NZ

A lesson Learnt: Emergency Funds and Risk Tolerance

A Lesson Learnt in Emergency Fund -And Risk Tolerance

There are some things in life that you can only truly learn through experience. Right now, what the world is teaching us (at least in terms of personal finance, there are many other lessons being taught too) is just how important it is to figure out our risk tolerance- and the need to have an emergency fund. It’s not that you can’t learn about risk tolerance and the need for …

Read MoreA lesson Learnt: Emergency Funds and Risk Tolerance

Past Viral Outbreaks and the Share Markets Reaction

Past Viral Outbreaks And The Share Markets Reaction

Surprise market crash It’s a tough time to be an aggressive investor- that’s for sure. Covid-19 has turned the volatility level in the share markets up to 11 with share prices dropping almost universally. Many investors are running for the exits as countries suspend air travel and go into lockdown. I didn’t want to write about Covid-19 and the market crash. There is already so much much information out there …

Read MorePast Viral Outbreaks and the Share Markets Reaction

Creating an InvestNow Portfolio: Let’s get things Started

the ins and outs of creating an investnow porfolio

When it comes to DIY investing in New Zealand it’s hard to look past the InvestNow platform. And there’s a good reason for that. InvestNow has zero fees and you can start investing a minimum investment amount is $50, when part of a Regular Investment Plan, or $250 for one-off investments. InvestNow is a fund platform that offers you access to a variety of funds to invest in. They have 130 funds and offer …

Read MoreCreating an InvestNow Portfolio: Let’s get things Started

10 Steps Needed to Achieve Financial independence in NZ

10 Steps Needed to Achieve Financial independence in NZ

If you’re like me then you have a dream to become financially independent- it’s an admirable goal. But why do so few people actually become financially independent in New Zealand? Financial independence doesn’t happen overnight- and that’s where the problem lies. It takes a detailed plan and years of willingness to commit to the plan before you will financially become financially independent in New Zealand and any other country around …

Read More10 Steps Needed to Achieve Financial independence in NZ

What does the Typical NZ Investor Look Like?

What does the typical NZ investor look like

Everyone knows I hang out on the InvestNow platform and website quite a bit. I log onto their website every month to look at how my investments are doing. And from time to time I’ll have a look around their website. They have quite a lot of good resources and even an articles page which makes for interesting reading every now and then. Recently I rediscovered their LikeMe tool, which …

Read MoreWhat does the Typical NZ Investor Look Like?

NZ Funds: More Funds Does Not Necessarily Mean More Diversification

More Funds does not mean more diversification

I’ve been having a hard look at my investment funds after realising I have too many. At the end of 2019 I had 11 funds, which is just getting out of hand (again). What are they all doing? How did I end up in this situation? So this year, along with continuing my automatic investing, I want to downsize my investment portfolio. I think one reason is that I ended …

Read MoreNZ Funds: More Funds Does Not Necessarily Mean More Diversification

Investing in Rental Properties: A Sure thing

Investing in real estate is sometimes thought of as a sure thing

It’s heartening to be able to talk about investing and money out in the real world. At least I got to talk shop with some old friends at a recent social gathering. Anecdotally, I think that the number of money conversations I’ve been having in the real world has increased over the years- Have we a society become more comfortable talking about money? Maybe. But, it could also be me …

Read MoreInvesting in Rental Properties: A Sure thing

Dave Ramsey’s Investing Advice

Dave Ramsey's Investing Advice

I’ve always liked Dave Ramsey’s advice. The 7 baby steps have definitely helped many millions of people. They are simple, understandable, and achievable. If you haven’t come across Dave Ramsey’s 7 baby steps, here they are; Save $1,000 for you starter emergency fund Pay off all debt (except the house) using the debt snowball Save 3-6 months of expenses in a fully-funded emergency fund Invest 15% of your household income …

Read MoreDave Ramsey’s Investing Advice