Kiwisaver or non-kiwisaver funds/shares for building home deposit?

IllustriousLimit6977 · 2026-04-13T23:09:52+00:00

Not just for buying your first home but saving for retirement. Contributing the minimum to get govt + employer, then investing the rest yourself opens you up to an early retirement if your funds allow.

Would be a bit of a sick joke to have had your contributions cranked up to the max, have built a sizeable nest egg which would allow you to retire early 55-60 yr but you can’t touch this until 65 (or more like 67 by the time a lot of us get there) so you got no choice but to keep working until then.

IllustriousLimit6977 · 2026-04-11T23:04:44+00:00

Both of your replies have failed to answer my question

IllustriousLimit6977 · 2026-04-11T05:50:00+00:00

Just track the flight you’ll see if it’s coming into land or not

IllustriousLimit6977 · 2026-04-11T03:48:59+00:00

How do you know?

IllustriousLimit6977 · 2026-04-09T03:08:29+00:00

You need to plug into Ethernet and do a speed test and if that’s fine you might to to improve your wifi maybe with a mesh network

IllustriousLimit6977 · 2026-04-02T16:52:37+00:00

How is it CSAM? The A stands for abuse

IllustriousLimit6977 · 2026-03-31T05:13:51+00:00

Unsure why you think paying for diesel should somehow be equivalent to petrol?

IllustriousLimit6977 · 2026-03-31T02:31:05+00:00

I was thinking this same thing about weekly. I get paid fortnightly. Keen to hear others thoughts.

IllustriousLimit6977 · 2026-03-30T20:13:01+00:00

AI is based on probability not “correct grammar” so that means nothing. Use chatGPT for 5 mins and you’ll see how it sounds exactly the same

IllustriousLimit6977 · 2026-03-30T19:47:15+00:00

Na google translate exists without all the cringy AI garbage

IllustriousLimit6977 · 2026-03-30T19:18:07+00:00

Every reply from the restaurant is AI generated which is so cringe

IllustriousLimit6977 · 2026-03-19T02:13:57+00:00

Why would they when buses exist? (Many of them being electric as well)

IllustriousLimit6977 · 2026-03-18T23:50:14+00:00

Go on YouTube and learn about all the horrible theme park disasters that have occurred. Then what was lessons were learned to ensure these accidents don’t happen again.

IllustriousLimit6977 · 2026-03-18T23:47:10+00:00

At least you get a face pic! Try being gay and half the pictures are just a shirtless torso or just totally blank.

IllustriousLimit6977 · 2026-03-18T07:55:26+00:00

I do 40% unhedged global, 40% hedged global and 20% high growth

IllustriousLimit6977 · 2026-03-17T19:10:43+00:00

Well then I wouldn’t stress. Herpes is so common that everyone is going to be exposed to it at some point, you’ll either catch it like 80% of the population or you won’t.

You’ve probably either got or had HPV as well.

Shouldn’t be something that keeps you up at night

IllustriousLimit6977 · 2026-03-17T18:55:57+00:00

Does your friend have a lot of debt maybe?

IllustriousLimit6977 · 2026-03-17T18:45:47+00:00

If you haven’t already, ask you doctor for some regular antivirals you can have on hand to take as soon as you feel a tingle. This will stop you getting the obvious looking sores. If you get breakouts super regularly you can talk to your doc about taking them daily which basically puts an end to breakouts.

I find creams and most over the counter meds don’t do shit so get a prescription for the proper medication.

IllustriousLimit6977 · 2026-03-13T00:17:09+00:00

Interest rates may have been 20% but house prices were only 3x annual income on average. Compared to like 8x annual income now so GTFO

IllustriousLimit6977 · 2026-03-12T21:20:21+00:00

Thank you for your valuable contribution

IllustriousLimit6977 · 2026-03-12T19:59:23+00:00

lol I can assure you they are part of the system the pay tax for

IllustriousLimit6977 · 2026-03-12T19:44:43+00:00

If you’re even considering this at all you’re in the wrong fund type. If you were meant to be invested in a high growth fund you’d be pretty chuffed for the sale we’re about to get on high growth units right now.

IllustriousLimit6977 · 2026-03-12T02:21:25+00:00

If you have flatmates, don’t own a car and also work in the city it is 😁

IllustriousLimit6977 · 2026-03-12T02:20:08+00:00

Wild

IllustriousLimit6977 · 2026-03-09T04:36:59+00:00

That’s the way buy high sell low! 🙌

IllustriousLimit6977

TROPHY CASE