All in KiwiSaver

The blog post I never wanted to write: TAX

The blog post I never wanted to write: TAX

Ruth
Hatch, Index Funds, Investment, KiwiSaver, PocketSmith, Sharesies, Sharesight, Simplicity, SmartShares, ETF, Tax

With so many new investment platforms coming on stream in the last couple of years, it has never been easier to buy a stake in a company via either an index fund or by buying individual shares. It is awesome how accessible investing has become. But in this effort to uncomplicate becoming an investor a lot of these newer investment platforms have inadvertently put investing through the complicator when it comes to tax time, because many of you are unsure about how to handle investments in regards to tax. So this blog post is going to focus on how I go about things at tax time.

Finally, I'm a net worth millionaire!

Finally, I'm a net worth millionaire!

Ruth
Index Funds, Hatch, Investment, KiwiSaver, Personal Finance, PocketSmith, Shares, Sharesies, Simplicity, SmartShares, ETF

I’ve waited a long time to fill out my own Net Worth Millionaire Questionnaire! YES, our net worth has finally ticked over from 6 numbers to 7 and it’s fair to say I’m delighted. But what is the purpose of me and other people sharing this information? It’s so that you can apply it to your own situation and see the variety of ways that other Kiwi’s have created wealth for themselves and know that it is possible for you as well.

What's my Asset Allocation?

What's my Asset Allocation?

Ruth
Cryptocurrency, Gold, Hatch, Index Funds, KiwiSaver, Shares, Sharesies, Simplicity, SmartShares, ETF

I’ve been getting a few emails and comments along the lines of “can you please consider a post about your overall investment portfolio.” My investing strategy is pretty simple and straightforward and I can't help but think that those who work day in day out in the finance space will scoff and laugh at my lack of analysis and strategy. But don’t scoff too hard, because it appears to be working just fine, thank you. Here is how I allocate the money that comes into my life.

What do people email me about?

What do people email me about?

Ruth
Budgeting, Index Funds, KiwiSaver, Money Education, Personal Finance, SmartShares, SuperLife, Simplicity, ETF

Each week I get a lot of emails and it takes up a lot of time, but it’s an honour to answer each of them. People just want someone to ask a money question to but in their day to day lives it’s a complete lottery as to whether they can find the right person in their friend group to talk to, so they write to me instead. So, I just wanted to share with you an edited version of an email exchange I’ve been having with someone over the last few months which will give you an insight into what kind of stuff comes up when I chat to people.

How to avoid a student loan. Start saving today!

How to avoid a student loan. Start saving today!

Ruth
Kids and Money, Money Education, Personal Finance, Saving, KiwiSaver

A few weekends ago a young guy was scanning my groceries and he was chatting away about his final exam and his finish date. When I asked him what he had planned for the summer, he said he will be working for about 35 hours a week. Although I was desperate to ask him the finer details of his financial life, I didn’t want to freak this young guy out so I kept my questions to myself. But my absolute main one was “what is a 16-year-old proposing to do with all the money they will make this summer?

How I Help My Daughter Invest

How I Help My Daughter Invest

Ruth
Index Funds, Investment, Kids and Money, KiwiSaver, Money Education, Sharesies, SmartShares, Simplicity

Every week I receive one or two emails specifically asking about how to help children invest and there are often comments on various social media about whether you even should help your kids and if you do, whether you should tell them about it. Over the years we’ve evolved an investment methodology for our daughter that appears to be working so I thought I would share with you what we do in our own whare and that might give you some tips for what you can do in your own household.

Simplicity and The Icehouse - What does it mean?

Simplicity and The Icehouse - What does it mean?

Ruth
Index Funds, KiwiSaver, Simplicity

If you are a Simplicity investor you will have received an email where they announced: “We’re now investing in high growth Kiwi companies”. I did a bit of reading to get an understanding of what they are trying to achieve here because it’s not enough to just contribute to my KiwiSaver, it is important that I understand and feel comfortable with the choices they are making on my behalf.

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