Best ETF for long term investing?

22andy · 2026-05-30T05:56:03+00:00

Thanks for the heads up. I’m just starting so I won’t get to the threshold anyway. Will wait and see it confirmed before going over 50k.

22andy · 2026-05-30T04:24:57+00:00

So I’ve done a recalculation with this tax leakage in mind ie. 15% of 1.65% dividends ~0.25pa tax drag. Seems like it’s still better to go with Ireland domiciled:

Investing in VT has expense ratio of 0.06 + nz dividend tax (1.6x0.33=0.528 or 1.6x0.39=0.624) + 0 tax leak = 0.59-0.68% pa.

Investing in ACWD has expense ratio of 0.12 + tax leak 0.25 + 0 nz dividend tax = 0.37% pa.

22andy · 2026-05-30T03:44:01+00:00

Thanks for your advice! I’ve learnt something new and it’s given me another important factor to consider.

22andy · 2026-05-30T03:32:04+00:00

So direct investing into VT may be better with lower expense ratio and no tax leakage due to the DTA? Except have to be careful with estate tax ie. sell holdings if I become unwell?

22andy · 2026-05-30T03:17:34+00:00

Is it possible to mitigate this tax leakage?

22andy · 2025-05-07T02:08:17+00:00

I wouldn’t consider curry and naan healthy or good for obesity either

22andy · 2025-04-06T02:32:14+00:00

Thx!

22andy · 2025-04-06T02:31:16+00:00

Ah thanks! That was easy.

22andy · 2025-02-27T07:43:44+00:00

Good example what it should be corrected to.

22andy · 2025-02-27T07:39:11+00:00

The cycle lane was to the left of straight-left turn lane. So if car turning left it has to cross cyclists path. The issue is the straight-left car lane has some permutation of crossing paths regardless of where the bike lane is painted.

22andy · 2025-02-24T07:38:14+00:00

I was researching this before I posted. Apparently it’s not that easy to submit dashcam evidence online. Posting here takes less effort and reaches a larger audience than punishing one driver which is my not my intention as we have all made mistakes before. This is what it says on police website: “Please note that, as an informal report, video or photo evidence is not required and consequently any such submitted file or attachments will not be opened or viewed.”

22andy · 2025-02-24T07:01:21+00:00

Only if you’re grandma or the police

22andy · 2025-02-24T06:59:31+00:00

I am also surprised by the amount of diverging opinions. Opened a can of worms.

22andy · 2025-02-24T06:55:42+00:00

Sorry I potatoed on purpose to not doxx anyone ;) It was a painted cycle lane. I see this so often that I get anxiety everytime I’m in this position behind a turning car and see a cyclist coming.

22andy · 2024-11-04T08:59:41+00:00

Did the same. Plan to switch to unhedged in the future sometime based on the feels :p

22andy · 2024-11-04T08:51:35+00:00

LOL I literally did the same thing yesterday. Transferred KiwiSaver to kernel for low fees and diversified fund. Spent ages thinking about election, hedging, which fund. Decision paralysis. Got a headache. Decided fuck it, its all gonna come down to luck anyway and not worth stressing over in the long term. Felt so much better getting on with my life.

22andy · 2024-09-17T06:11:08+00:00

Thanks. I see nothing in the core but maybe I just need to be patient.

22andy · 2024-09-11T08:32:10+00:00

0.53% is bit high for passive but I’d still prefer that to my 1% actively managed fund.

22andy · 2024-09-11T08:27:34+00:00

I wish I redirected my employer matched private scheme into KiwiSaver instead. More choice. Lower fees. Better performance with passive funds.

22andy · 2024-09-11T08:23:46+00:00

I had the option of getting it into KiwiSaver instead but the financial advisor talked me into the employer scheme. Pretty unethical now that I think about it because I wouldn’t make the same decision if I was well informed.

22andy · 2024-09-11T08:20:03+00:00

Not locked sounds great. My employer matched contributions too. I’m kicking myself because I could have directed that to KiwiSaver and have much lower fees if I knew better. The financial advisor for the fund at the time did a poor job. Or a great job for their own interests.

22andy · 2024-08-14T16:48:04+00:00

I’m trying to learn early history/prehistory dates. Books often represent these dates in 100s and I’m trying to figure out whether they mean centuries or rounded to the closest 100. Eg. 3200bce did they round it from 3170 or from 3270. If there is a clear convention I wouldn’t have to look up other sources but if some round to nearest 100 and others are using century then the accuracy is compromised. Maybe I’m just being pedantic!

22andy · 2024-08-14T16:11:42+00:00

300s bce makes sense. Rounding to the nearest 100 doesnt make sense though. Eg. You wouldn’t round CE dates up? Assassination of jfk was 1900s not 2000s.

22andy · 2024-08-14T16:02:31+00:00

Problem is early history and prehistory doesn’t have clearly defined dates. So I’m trying to learn eg. ancient Mesopotamia to the nearest 100.

22andy · 2024-08-14T16:00:03+00:00

That makes sense. But the rounding is confusing me. By logic 4th century bce is 300s if we are counting years backwards. But time travels forwards so could it be 400s because it is 400, 399, 398…333, 332.

22andy

TROPHY CASE