All in KiwiSaver

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.

Applying The Barefoot Investor in NZ

Applying The Barefoot Investor in NZ

Ruth
Index Funds, KiwiSaver, Personal Finance, Retirement, Shares, Simplicity, SmartShares, SuperLife, Insurance, Sharesight, ETF

The Barefoot Investor by Australian Scott Pape is an excellent book and it has been instrumental in changing the financial direction of not just Australians but also of Kiwis. Many people have asked me to work out what the Kiwi equivalents are of the providers he recommends. I’m not saying this is a conclusive list, but I’ve given it my best shot.

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