All tagged ETFs

2022 Review & Net Worth Update

2022 Review & Net Worth Update

Ruth
ETFs, PocketSmith, Sharesight, Simplicity, SmartShares

I’m about to share my 2022 numbers with you. The primary reason is so that you have someone to benchmark against. Because of my blog, I’m lucky that I’m regularly conversing with people interested in discussing personal finances. Those conversations also helped me learn what Jonny and I could improve. Chances are that very few of you have friends and family willing to share their experiences with money to help you learn. Therefore, I’m happy to share ours. Please don’t judge me and my financial position; it’s just information. Use it how you will.

Which is better: TWF or USF?

Which is better: TWF or USF?

Ruth
ETFs, Index Funds, Shares, SmartShares

This week I’m answering a question that Paul has sent to me, and it is a question that I’ve been dwelling on myself. I’m going to do my best not to get too deep in the weeds with my answer. It might sound like a niche question (Which is better: TWF - Total World Fund or USF - US 500?), but the answer I give is, in my opinion, widely applicable to investors.

Weekly vs Monthly Investing?

Weekly vs Monthly Investing?

Ruth
ETFs, Investment, SmartShares, Shares

Today I’m sharing a practical example of why it might be worth investing weekly instead of monthly and moving from Smartshares to InvestNow to enable that. I’ve met many lovely people via my blog, few more lovely than Dale and Dean. We have been emailing back and forth for three years, and they recently let me know of a significant change they have made to how they invest. With their permission, they have let me share it.

Pan(dem)ic Investing!

Pan(dem)ic Investing!

Ruth
ETFs, PocketSmith, Sharesight, SmartShares

Do you like my dramatic title? Does it make you nervous? Don’t be. This week I was given the ultimate compliment. Someone said, “I like hearing what you have to say, Ruth. You have common sense”. It seems to me that every investment provider is telling me not to panic at the moment. Common sense tells me there is no need to; volatile times come and go, but hearing it so often repeated gives my common-sense approach a run for its money and makes me wonder if I should be concerned?

How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing?

How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing?

Ruth
ETFs, Index Funds, Kernel, Sharesight, SmartShares

How is my “Kernel S&P Kensho Moonshots Innovation Fund” performing? In a word. Poorly. It’s down 27% with no signs of stopping its slide. But I can’t complain; the fund manager themselves forewarned me. Now that I’ve invested in this specific fund for almost a year, I thought it an interesting exercise to see if the returns are living up to my high expectations. Hmmm, let’s just say, it’s not quite what I was hoping for.

Happy Christmas!

Happy Christmas!

Ruth
ETFs, KiwiSaver, Personal Finance

I’m a giant jumble of competing thoughts as I sit down to write this final blog post of the year. I’m not much into the generic inspirational end of year content that gets pushed out, so instead, I’ll just keep this one real, and it’s a bit of an insight into my life during the first two weeks of December. I’ll try (and fail) to be brief.

How to Pay Cash for Tertiary Education

How to Pay Cash for Tertiary Education

Ruth
ETFs, Index Funds, Kids and Money, Money Education, Sharesies, SmartShares

This blog post results from a brief yet alarming conversation I had with a 15-year-old who has three years remaining at school before they planned to head off to university. In answer to my question, “how are you going to pay for it,” they quickly replied, “with student loans, because they are interest-free”. It was not my place to comment at the time (although in my head I was screaming to say something), but given I write a blog, I’ve created a space where I can give their response some thought. So, I will.

Are you scared of NOT buying a house?

Are you scared of NOT buying a house?

Ruth
ETFs, Index Funds, Investment, Mortgage, KiwiSaver, Hatch, Kernel, Sharesies, SmartShares

I received an email recently that brought tears to my eyes if I’m frank. It was from someone who is in despair about not being in a position to own a house in New Zealand. I wanted to create a blog post about it because the struggle that the writer is experiencing is not unique; in the same week, I received several other messages along the same lines.

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