All in ETF

Smartshares NZ Top 50 vs S&P/NZX 50

Smartshares NZ Top 50 vs S&P/NZX 50

Ruth
ETF, ETFs, Hatch, Index Funds, Kernel, Money Education, Sharesies, SmartShares

I’ve had a number of emails asking about the changes to Smartshares, in particular the introduction of their new S&P/NZX 50 ETF (NZG) and how it compares to their existing NZ Top 50 ETF (FNZ). A deep dive into Smartshares for this post was a timely reminder for me just how intertwined and complex the investing marketplace is and that it’s really set up for the investor that already knows how to invest. Finding information was tough, so I reached out directly to Smartshares as I figure it’s best to go straight to the source right?

“Don’t look for the needle - buy the haystack”

“Don’t look for the needle - buy the haystack”

Ruth
Index Funds, ETF, SmartShares, Sharesies, Hatch, Investment

There has been a sudden interest in the share market and it has me worried. I am noticing that there is a cohort of investors frantically rushing to invest in shares to “make the most” of this current crisis. I, on the other hand, have resisted all instincts to DO SOMETHING, to rush around and find those one or two companies that are at what I believe to be rock bottom prices so I can buy low and sell high. Instead, I have calmly followed the advice of John C. Bogle when he said: “Don’t look for the needle - buy the haystack”. That’s what I’m doing, I’m just buying the entire market.

My Lockdown Diary

My Lockdown Diary

Ruth
Budgeting, Index Funds, KiwiSaver, PocketSmith, Sharesies, Simplicity, SmartShares, ETF

I thought I’d keep a diary for this week, so you can see what we are doing to prepare for the months ahead in this rapidly evolving situation. Take from it what you will and discard the rest. But first and foremost when it comes to money at a time like this, whether your job is secure or you have just lost it, the absolute key thing to keep in mind is to: Always spend less than you earn

The COVID-19 Emergency Budget Meeting

The COVID-19 Emergency Budget Meeting

Ruth
Budgeting, Debt, Index Funds, KiwiSaver, Personal Finance, PocketSmith, SmartShares, Simplicity, Sharesight, Sharesies, ETF

If there was ever any doubt about what an emergency might look like, well this is it, folks! I hope that each and every one of you is coping well and today I wanted to let you know what Jonny and I are doing, in the hope that you might gain a few pointers about what to do with whatever situation you may find yourselves in.

The share market is doing what it does, so JUST CHILL!

The share market is doing what it does, so JUST CHILL!

Ruth
Index Funds, KiwiSaver, Personal Finance, Sharesies, Sharesight, Simplicity, SmartShares, ETF

I’ve had a “conscious uncoupling” from worldwide events and am instead reflecting back on the basics of how Jonny and I operate to make sure we are steering our waka in roughly the right direction during these rough waters. This is the first more serious market dip I’ve been through but I’ve read enough and learned enough from those who have gone before to know that the right thing to do is just hold my course and hold my nerve.

Applying The Barefoot Investor in NZ - UPDATE

Applying The Barefoot Investor in NZ - UPDATE

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

I originally wrote this blog post back in December 2018 and I’ve decided it was time to make a few updates to it so that all those people reading the book for the first time and those who are following along with the Barefoot Investor principles have a good New Zealand resource to come to. If you have read my original post, while it’s still relevant, this one is quite different because it takes into account different providers of services, so I encourage you to read this one too!

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.

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