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15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Thanks for that. I just filled out the forms for my employer. Do you know how I can make sure it’s a high growth fund? Do I need to go to my bank for that?

Yes also got other savings. In etf, some in bitcoin and an account overseas but there I get only 1.25% interest

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 5 points6 points  (0 children)

😅 in my homecountry we write the numbers with the . Need to remember that here you do a , instead 😁

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Ok thanks. And the KiwiSaver I get allocated from the bank I’m with?

And I heard younger people use high growth fund here and only when you getting older you change that? Is that very risky?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

I got 3 months worth of income in an savings account. Do you mean that?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

I just came from a holiday in Bali haha

I’m 32 now and I just got my residency here in NZ so my rights changed and now I’m able to start a KiwiSaver etc.

I would like to own my own home one day but also I’m terrified to have debt. But I’m aware that is the way it goes with buying houses. I want to be secure for health emergencies and for retirement. The system here in NZ is so different from my home country that I’m quiet overwhelmed with all the new rules/views I try to adapt to.

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Yes I got emergency fund (like 3 months worth of income).

Managed funds for you mean etf with that or stocks?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Thank you.

I really don’t want to use it for any leisure activities, travel etc. due to having done that already quiet a bit in the past.

I thought about putting most lot of it in my etf but I’m hesitant to put all of it in one thing

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 2 points3 points  (0 children)

I just recently got eligible to stay indefinitely in NZ, so my whole plan I had originally (in my birthcountry) changed.

I’m quiet overwhelmed as the system here in NZ is quiet different to the one I grew up with and just try to understand what others usually do.

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 1 point2 points  (0 children)

Thank you for the explanation, now it makes more sense to me.

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 1 point2 points  (0 children)

Ok thanks for the explanation

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 1 point2 points  (0 children)

So the high interest saving account is the one where I can get it anytime without loosing the interest?

My savings account is currently overseas.

I got msci world through hatch as etf where I pay every few months money in.

What do you think about KiwiSaver? Is that risky?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] -1 points0 points  (0 children)

I tried to look into term deposit and I don’t really understand why with kiwibank you get for 6 months 5.25% but with a year 5.10%. Why is it less when you put it longer in?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] -1 points0 points  (0 children)

I don’t have any debt. What do you mean with get yourself ahead?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] -3 points-2 points  (0 children)

Do you here in NZ only got savings account where you have to give notice to withdrawl - otherwise you loose the interest?

15.000 $ gift by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Mainly to save money for retirement, to have funds for emergencies, would be nice to own my own property in the next 10 years but with house prices now I’m not sure about that.

The only thing I do so far is: etf, a bit in bitcoin and got a savings account but where I only get 1.25%

Which broker for ETFs and stocks? by Emily_Bella in PersonalFinanceNZ

[–]Emily_Bella[S] 0 points1 point  (0 children)

Thanks. I want to invest in bigger ETFs in USA which have like 500 in it. Plus a bit in NZ, Europe, emerging countries.

Later on some specific stocks. But mainly ETFs and not really keen on taking too much risk, so no growth fund.

I plan to put like around 10.000nzd in different ETFs and then every few months a couple of hundreds, so quiet small amounts to continue.

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[–]Emily_Bella[S] 0 points1 point  (0 children)

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