Investing: Get Your Money Working For You

One of the hardest aspects of your personal finance is Investing. Investing is all about buying things that put money back into your pockets. Anyone can have an investment portfolio, whether it is in shares, index funds, real estate, bonds, cash, peer to peer lending, or even cryptocurrency- if that’s your thing.

Here are some recent blog articles related to Investing that will get you started.

Get Your Personal Finances Sorted in Five Stages

Get your personal finance sorted in 5 stages

It takes time to get your personal finances sorted. And often you don’t know where to start. And the thing is that no one can really show you how you should sort your personal finance, after all, personal finance is exactly that- Personal. However, there are several key stages in personal finance that you do need to get sorted. These…

AMP NZ Share index fund vs SmartShares NZ Top 50: Fee Update

AMP NZ Share Index Fund Vs SmartShares NZ Top 50

A little over two years ago AMP Capital NZ introduced three new low-cost index fund for Kiwi investors. They were the; NZ Shares Index Fund with a management fee at 0.33% and Buy/Sell spread of 0.10% All Country Global Shares Index Fund with management fee at 0.38% and a Buy/Sell spread 0.15% Hedged Global Fixed Interest Index Fund with a…

NZX50 Past Percentage Returns table

Past returns and average returns of the NZX50

The year by year returns of the NZX 50 Index, an index representing the 50 largest stocks listed on the New Zealand Exchange.Table of returns for the NZX50. As of April 2020- the NZX 50 has returned 476% since the year 2002. Historically, the New Zealand Stock Market (NZX 50) reached an all-time high of 12107.45 in February of 2020- just before COVID 19- which was…

What is the NZX50?

what is the nzx 50, and how can you make money with the nzx50. list of companies

A common question among Kiwi investors, now more than ever, is “what is the NZX50”? It’s a good question. So here’s a post about what the NZX50 is. So if you already know what the NZX50 is from front to back, then you might want to skip this one. Intro to the NZX50 What Companies make up the NZX50 What…

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…

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,…

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…

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…

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…

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…

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…

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…

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…

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…

Vanguard Through InvestNow or Hatch: Which is Cheaper?

Which is cheaper- investing in InvestNow or Hatch US500

A fee week ago I wrote a post outlining how you can get access to Vanguard’s Index fund from New Zealand. I don’t think I need to point out why you would want to invest in Vanguard- it’s widely known that they have a range of low fee, well-diversified index funds. And then last week- I had a look into…

End of Year wrap up and Personal Finance Checklist

End Of 2019 Wrap Up And Personal Finance Checklist

2019 is coming to an end. And what a year it has been. I managed to sort out my Kiwisaver by switching to a lower fee option- granted it’s not the lowest option out there, but I like the customisation that Superlife gives me. I did manage to take my time making this decision and ultimately I was overwhelmed by…

Do Fees Really Matter When it comes to Investing?

Do Fees Really Matter When it comes to Investing?

Sometimes I keep beating the same drum. Do fees matter when it comes to your investments? I’ve previously talked about how funds with higher fees eat into your returns over time- but today- let’s look at whether or not higher fee funds produce better returns. Higher fee Higher Return It’s easy to think if your new to investing that higher…

How to Invest in Vanguard’s Index Funds while Living in New Zealand

how to invest in Vanguard from New Zealand

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- founded by the late Jack Bogel- credited for creating the first index fund.  There is also iShares (ETF) managed by BlackRock. We all…

Tracking Your Share Investments with Sharesight

Tracking Your Share Investments with Sharesight

I’ve recently discovered Sharesight– although it has been around for over ten years now. So what is Sharesight? It’s a New Zealand company which gives investors an insight into how their share investment portfolio is performing in real-time. I’ve always thought that there should be a better way of tracking my share performance every month. An alternative to googling “Genisis…

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