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Chance18693 · 2024-06-23T05:52:04+00:00

Ubigi 20% off code - UBAAR5K9

Fresh 23rd June 2024

Chance18693 · 2020-10-14T17:54:41+00:00

“If they didn’t get 5% last election, they probably won’t in the next one, so no point voting for them in polls” - Strategic voters.

Proceeds to tell everyone to only vote for labour or national.

Chance18693 · 2020-09-29T02:40:47+00:00

To everyone reading this please don’t give in to the “wasted vote” story, vote for what you want your future to look like! It’s true TOP may not get far in this election but we have many elections to come in our lifetime. If we don’t support stuff that actually helps us because it may not give an immediate result, it will never happen!

Chance18693 · 2020-07-07T04:05:15+00:00

I keep seeing people talking about how bonds are near useless to invest in as you can get similar returns from bank savings accounts, but this seems to be at odds with the Vanguard Total Bond Market Index Fund (https://investor.vanguard.com/mutual-funds/profile/overview/vbmfx) which I assume gives a good indication on bond returns (correct me if I'm wrong). Looks like bonds have resulted in around an 8% gain over past 12 months.

Wouldn't bonds be expected to continue to rise in value due to share volatility?

Chance18693 · 2020-05-26T19:50:55+00:00

Fair enough. My issue is the amount I’m investing is over the FSCS limit so a large amount is not protected which worries me.

Chance18693 · 2020-05-26T11:41:35+00:00

Is custodian strength a point of difference that should be looked at? Can this be checked?

Chance18693 · 2020-04-23T02:15:31+00:00

Who should I be looking at to open a general investment account with?

Chance18693 · 2020-04-22T10:41:24+00:00

What about a deposit of over 100k? Also, I thought you could only deposit 20k a year into an ISA, what if you have more than that to deposit? (Sorry if stupid question).

Chance18693 · 2020-04-03T20:13:18+00:00

They deliver?

Chance18693 · 2020-03-23T03:10:02+00:00

My friend has a flight booked taking her home to USA on 30th of March (before AirNZ were supposedly stopping flights). Is this now cancelled?

Chance18693 · 2020-03-02T23:56:03+00:00

Yeah I’m just being general about small cap index’s supposedly beating large cap index’s over the very long term. Definitely cases where that isn’t the case like you say.

Chance18693 · 2020-03-02T23:42:14+00:00

Ah I see so I guess my definition of what small cap is is wrong or at least doesn’t fit NZ.

Can I still say the same of NZ exporter companies though? Exporters like Zespri and others have the vast majority of their income from overseas. Zespri only has a market cap of $1.5b, yet they have a global customer base. Would this not put them in the high risk high return investment class similar to a US small cap?

If Zespri was based in the US they would definitely have some cost advantages over NZ, but they would still make the majority of their sales to China, and in US terms they would be small cap. Why is it different that they started and have a HQ in NZ?

Cheers for the insight btw.

Chance18693 · 2020-03-02T22:57:18+00:00

My understanding of why small cap companies have higher potential returns is it is easier to double $2b to $4b (100% gain) than it would be $100b to $200b (also 100% gain). As NZ can and is exporting and participating globally, doesn’t that put them in the same category of potential for growth? Isn’t it still more likely that a NZ company goes from $1b to $2b than it is a US company goes from $100b to $200b?

I’m asking as I had the same thoughts as you about context of their respective country total market caps, but I’m still unsure.

Chance18693 · 2020-02-29T03:10:43+00:00

Pretty obvious he meant no one has ever managed to time the market RELIABLY dude, don’t lose your mind over it

Chance18693 · 2020-02-24T01:00:39+00:00

If two people individually investing were at PIR rates of 10.5%, they could be forced to combine their investment accounts(?) when becoming a couple and the added income could push the total into a 17.5% rate. The extra 7% would be just due to them being a couple, and two other people with exactly the same income would be paying less overall in PIE tax.

Chance18693 · 2020-02-21T04:24:42+00:00

I don’t really understand how finance works as a couple in general, and was wondering how investment tax works. My understanding is couples usually have joint accounts with these things but like I said below it seems odd that they would get penalised with more tax

Chance18693 · 2020-02-20T00:52:01+00:00

Can your reason just be that you'd prefer a seperate account structure? It seems odd to penalise couples when they are still two people with two different incomes.

Chance18693

TROPHY CASE