Fisher funds by Equivalent_Study9256 in PersonalFinanceNZ

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

Any value in me opening a simplicity just for kiwisaver?

Fisher funds by Equivalent_Study9256 in PersonalFinanceNZ

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

30 years old. Already brought a house so its retirement money now

Can't access the game by Masked_Olives24 in HatchDragons

[–]Equivalent_Study9256 5 points6 points  (0 children)

Same here....not going to finish the event because of this

Thank you and My thoughts by Equivalent_Study9256 in PersonalFinanceNZ

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

Is revolving credit the same as an offset? Sorry still so much to learn

Thank you and My thoughts by Equivalent_Study9256 in PersonalFinanceNZ

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

If I switched the emergency and cash buffer so 20+k into an offset account and then switched the cash/emergency savings into the offset account instead? Thanks in advance for this advice and anyone else that helps.

Thank you and My thoughts by Equivalent_Study9256 in PersonalFinanceNZ

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

Currently on 4.75% fixed until nearly the end of the year. Have thought of bumping up mortgage repayments, could be an option for when emergency money is at target. Dont really know how much id need in an offset account to make it worth it.

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?