All in Investment

Begin at the Beginning: Step-by-step Path to Financial Independence

Begin at the Beginning: Step-by-step Path to Financial Independence

Ruth
Budgeting, ETFs, Index Funds, Investment, KiwiSaver, Personal Finance, Shares, Sharesies, Sharesight, Simplicity, SmartShares

Whatever it is that you are embarking on that’s always the best place to start in my opinion. The beginning. Then just follow the path, in my case, the path to financial independence and eventually not being tied to a job to earn my income. It’s a long journey but it’s one worth starting. I’m often writing emails that cover the same points over and over again, so I thought that today I’d put that information into a blog post for all of the people wondering where to start and how to string all the bits of information you have learned about money into a cohesive order.

Should I buy VTSAX or US 500 in New Zealand?

Should I buy VTSAX or US 500 in New Zealand?

Ruth
ETFs, Hatch, Index Funds, Investment, Kernel, Shares, Sharesies, Sharesight, SmartShares

This week I read a question on the Kiwi Mustachian Facebook page from a woman by the name of Kimberly who was asking a particularly good question. I thought that such a question required more than a social media soundbite and that it might also be useful to other Happy Savers. This is an important question and it needs a detailed answer because in my view Kimberly is on the brink of making one of the most important investment decisions of her life and she needs to feel comfortable with what she is doing.

An Alternative to Property Investment that Works

An Alternative to Property Investment that Works

Ruth
ETFs, Hatch, Index Funds, Kernel, Investment, KiwiSaver, PocketSmith, Sharesies, Sharesight, Simplicity, SmartShares

I’ve long said that there are alternatives to buying rental property and today I wanted to actually give you some decent detail on this. So today I’m going to give you an idea of what investing into KiwiSaver and index funds/ETFs actually looks like a few years down the track. I find with this blog of mine that it’s helpful to share some real numbers instead of just talking hypothetically all the time.

“Borrowing money won’t take you where you want to go”

“Borrowing money won’t take you where you want to go”

Ruth
Debt, Investment, Mortgage, Index Funds, Banks

Rental real estate investment brings out some pretty passionate opinions and although I always enjoy a conversation, I don’t like arguing, therefore I rarely write about property. That and the fact it just does not interest me as a way to grow wealth. I regularly speak with such a wide range of people about money and I’m lucky that I get to see the allure or otherwise of property from many different angles and I conclude from talking to a lot of people who are ‘real estate investors’ that most of them appear not to be making any money.

Consistency and Planning, boring yet effective.

Consistency and Planning, boring yet effective.

Ruth
ETFs, Index Funds, Investment, Money Education, Saving, PocketSmith

I thought I would start the year with something that I think is a mega important topic if you want to get your finances in order, Consistency and Planning. Both are boring yet effective. As always, I like to share what I’m up to and what works for us, you can then take from it what you will. A few years back I implemented a few simple things and today I’m reaping the rewards of my consistency, planning and good habits. You can do the same, but you do need to start today.

2020 MONEY WINS from fellow Happy Savers!

2020 MONEY WINS from fellow Happy Savers!

Ruth
ETFs, Index Funds, Investment, Kernel, KiwiSaver, Money Education, SmartShares, Sharesies

I recently asked subscribers of my blog to share their money wins for 2020 so you could get some insight into what fellow Kiwis did on a personal level to navigate 2020. It has been particularly awesome to hear from people during 2020 who had sorted themselves out financially either before, during or after Covid-19 came along and they are each now looking to the future feeling empowered and in control.

The Bitcoin experiment is over!

The Bitcoin experiment is over!

Ruth
Cryptocurrency, Investment, SmartShares, ETFs, Index Funds

If you have been following my blog for a while you might remember that back in 2017, three long years ago when the world was more normal, Jonny bought some Bitcoin. Actually, “some” Bitcoin is a bit misleading because to be more precise he bought “a bit” of a Bitcoin. He had been following its evolution for a couple of years and had been wanting to buy Bitcoin for a long time, in fact, he would have done as much, if I didn’t always scoff at the idea as being far too speculative. So three years on, how did his Bitcoin perform…

Should you combine finances with your spouse?

Should you combine finances with your spouse?

Ruth
Personal Finance, Banks, Debt, Investment, Saving, Money Education

I have the privilege to speak to so many people about “money stuff” and a very common scenario is that of a couple who have been together for a long time yet they still keep their money completely separate from each other. If you are committed to him or her being “the one”, you trust each other and have combined everything else in your life (your wardrobe, the bathroom cabinet, your home, your children, your pets), then why not your money?

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