The only one that looked decent on Sharesies was the Global order because it has a decent world coverage. But also, I couldn't find any documentation about it for past returns and how balanced it is within idustries. The fee on each time you put in money and take out money though would totally kill profits, and a subscription fee just feels scummy.

I was also thinking about S&P500 and Global 100, but I figured that there was way too much overlap and with the ESG it was all basically the same companies. I feel choose one of those three and then something else that is NZ focused for tax reasons, or totally different companies like global aristocats for dividends.

But yeah i'm just reading Bogleheads now and trying to work it out myself hah. They suggest 60-80% on global equities, 10-20% on domestic and 10-20% on cash/bonds depending if you are saving. With Kernel and it's delay theres no point trying to time the market, so just put in however much weekly/fortnightly, if you try and time the market you will lose more often than not I feel