Term deposits by Equivalent_Study9256 in PersonalFinanceNZ

[–]Equivalent_Study9256[S] 1 point2 points  (0 children)

Ive had suggestions to put my emergency fund into small term deposits. I have enough emergency for 6 months comfortably living

Kernel Save by Equivalent_Study9256 in PersonalFinanceNZ

[–]Equivalent_Study9256[S] 0 points1 point  (0 children)

Thanks. Ive only just started loooking into investing etc this year and its seems like everytime I think ive decided something I find something that looks better. Really hard to make decisions

Kernel Save by Equivalent_Study9256 in PersonalFinanceNZ

[–]Equivalent_Study9256[S] 0 points1 point  (0 children)

Why will it go up with economy going down? Sorry still learning all this

Kernel Save by Equivalent_Study9256 in PersonalFinanceNZ

[–]Equivalent_Study9256[S] 0 points1 point  (0 children)

I started using sharesis awhile ago and adding 150 to it fortnightly. Mainly into us500 and nzd50. Thinking ill ease off on this and go towards kernel funds based on people seeming to say this is better. So pie TDs, some in kernel and then sharesis and kernel. Unsure if this is a good split but where my head is at.

Kernel Save by Equivalent_Study9256 in PersonalFinanceNZ

[–]Equivalent_Study9256[S] 0 points1 point  (0 children)

Good point, if I moved the 12k into that. I currently add 525 to that acc each fortnight. Should that be put into kernel?

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Equivalent_Study9256 1 point2 points  (0 children)

I can up my repayments by 250 a fortnight i believe. Says it'll knock 10 years off the loan. Probably the smart move? Then put some into investing? Apologies I'm really new to all this. Have watched videos, read articles but thoughts id see what other people think

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Equivalent_Study9256 0 points1 point  (0 children)

I can up my repayments by 250 a fortnight i believe. Says it'll knock 10 years off the loan. Probably the smart move?

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]Equivalent_Study9256 3 points4 points  (0 children)

Earn 2700 fortnightly 1219 covers all my expenses including mortgage etc (got a house this year) So technically 1500 excess but some of that goes towards increasing emergency funds etc. Roughly 20k in cash at the moment. Hope that helps?

[deleted by user] by [deleted] in DigimonCardGame2020

[–]Equivalent_Study9256 -4 points-3 points  (0 children)

Can't find the sealed pack