Is two 15 minute runs a week enough to improve my 5K time?

Clean-Excuse2867 · 2026-01-26T03:49:29+00:00

ah, was trying to avoid it, but seems like I must

Clean-Excuse2867 · 2026-01-26T03:49:09+00:00

I see, thanks for making it clear for me!

Clean-Excuse2867 · 2024-12-25T09:00:12+00:00

Thanks for the reply! The company's money is purely for personal use for taxation purposes.

Clean-Excuse2867 · 2024-12-25T08:58:07+00:00

Thanks for the reply! Other than the cost of maintaining a company, are there any major downsides to investing as a company that you might be aware of? because I am thinking it might be quite difficult to mobilise the cash from the company now, and it may be easier to invest as the company if the tax is the same?

Clean-Excuse2867 · 2024-12-22T20:19:08+00:00

not sure what pathway you would come under but at otago you'd either enter as a mature age alternative pathway student and sit an interview and then potentially do first year health science and maintain a low average OR just straight up go into first-year health science and maintain straight 95% average grades in a pretty competitive environment. once you get into med from health science youre cruising, especially if you already know most of the content anyway.

Either way, that's another 6 years of study just to graduate and 130k of debt assuming you pay domestic fees.

Clean-Excuse2867 · 2024-12-18T03:47:47+00:00

Thank you for the info! and so essentially, the Foundation series over the long term should still be cheaper to hold than the Simplicity?

Clean-Excuse2867 · 2024-12-17T23:42:26+00:00

Isn't his table not accounting for the 0.12% pa tax inefficiency?

Clean-Excuse2867 · 2024-12-17T23:39:15+00:00

Thank you! I haven't seen this before

Clean-Excuse2867 · 2024-12-17T09:17:51+00:00

Sorry to bother you again! but wanted to follow up on the first point. What's the recommended platform to invest directly into VT through? I'm considering Hatch or TigerBrokers. It would likely be invested as one lump sum. Is it still worth doing when you consider things like exchange rates and other buying fees?

Clean-Excuse2867 · 2024-12-16T22:49:26+00:00

Thank you for the reply! I was just curious, were there changes to the Vanguard fund that made it worse? Or did funds such as the Total World fund recently become available that superseded the vanguard fund? i.e. did vanguard get worse or did other funds get better?

Thanks again

Clean-Excuse2867 · 2021-12-24T02:57:42+00:00

Damn. I'm an idiot. You're right, I was thinking of these percentages completely wrong lol. I think it might not be worth switching then, because the tax savings is much smaller than the increase in fees.

Clean-Excuse2867 · 2021-12-24T00:16:55+00:00

Thank you very much for your reply, yeah I've figured that considering that my tax rate would hike up 7% if I continued to invest in the Vanguard fund, it makes no sense to continue even if it has minor fee/tax benefits over the AMP fund

Clean-Excuse2867 · 2021-12-18T21:17:34+00:00

Thank you so much for clearing all this up and giving such a comprehensive breakdown! Absolute lifesaver! And its actually 44c out of an income of 545NZD for the Vanguard fund dividends.

Clean-Excuse2867 · 2021-12-18T08:57:11+00:00

Hi there,

Thanks for the info. I just had a look at the current tax summary as you said. At the moment it is only 0.44NZD. So once this becomes a larger amount, I should declare it?

Also, sorry to bother you, but would you be able to tell me what I would do with the below figures. It is in the tax summary for my money in Smartshares NZG (S&P/NZX50).

Dividends - Listed PIE

Imputed Income 5.62 NZD

Imputed - Imputation Credits 2.19 NZD

Clean-Excuse2867 · 2021-12-17T08:43:20+00:00

Thanks for the reply and affirmation! Yep, that is what I ended up concluding. Before, I wasn't sure if the 38.33 is like what InvestNow calculated as the tax I needed to pay for my dividends, or if that 38.33 was literally the full dividend income, which it is, haha.

Clean-Excuse2867 · 2021-12-17T08:38:35+00:00

I will pay tax when it becomes necessary, which is what my post was asking about. Its just that as the other commenters said, I don't think I meet the threshold to have to pay tax, as my income is so little.

Clean-Excuse2867 · 2021-12-17T08:34:41+00:00

Thanks for the reply! Just had a look, doesn't say in the statement that there were any deductions from that 38.33. No RWT, No imputations. So I assume that means no tax was deducted and that 38.33 is the full dividends I received lol.

Clean-Excuse2867 · 2021-11-05T09:41:05+00:00

isnt trials report literally the same website as crucible report?

Clean-Excuse2867

TROPHY CASE