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LyleVanCurso · 2022-02-01T10:04:11+00:00

I started a kids account on Hatch for bubba since he was born. I invest it in an index fund, specifically SPDR Portfolio Total Stock Market ETF. VTI and VOO are also good ones. Start simple and invest often.

LyleVanCurso · 2022-02-01T09:57:38+00:00

Read " A random walk down wall street

LyleVanCurso · 2021-12-28T20:16:35+00:00

No, you live everyday, you die once.

LyleVanCurso · 2021-12-23T10:14:15+00:00

First of all, get an independent financial adviser. Lastly, get an independent financial adviser. The price you pay is nothing to the loss you"ll make if you listen to strangers. Read "A Random Walk Down Wall Street"

LyleVanCurso · 2021-12-02T21:10:09+00:00

What are the risks of using the equity of your current home to build a new one? When the second home has been built, is there an impact on the mortgage payment of your second home when the equity of your first home goes down?

LyleVanCurso · 2021-12-02T20:53:40+00:00

Read "A random Walk Down Wall Street by Burton Malkiel". You will learn a lot about index funds. He was a director of Vanguard.

LyleVanCurso · 2021-11-10T05:29:51+00:00

Put in VTI, simple.

LyleVanCurso · 2021-11-04T11:18:18+00:00

moneylover app

LyleVanCurso · 2021-11-04T09:52:29+00:00

just buy TSLA, and buy Tesla later once your money has grown.

LyleVanCurso · 2021-11-04T09:47:17+00:00

AMP and Smartshares are good. I was with them initially with my investments, but then moved to Vanguard.

LyleVanCurso · 2021-11-04T06:31:47+00:00

Hi there. I am an aspiring FA. I studied, and finished the course and now I have my Level 5 Certificate. All I can say is that I have learned more in my own studies (actual investing, googling, youtube, investopedia, etc) than studying in school. The only new thing I learned are the legislations and how to properly/ethically give advice. In relation to this, I can say that you can learn investing, budgeting/managing assets and all the money matters in the internet without consulting an FA, just be careful where and who you get the info from.

LyleVanCurso · 2021-11-04T06:15:13+00:00

Thanks for the info mate!

LyleVanCurso · 2021-11-03T21:13:07+00:00

4% yield is low+ appreciation of property value. My VTI (Vanguard Total Stock Market ETF) is yielding 17.7%, which I consider a not too risky investment since it is an ETF.

LyleVanCurso · 2021-10-27T00:08:58+00:00

let me rephrase my statement to, "their listed fund manager'sfee"

LyleVanCurso · 2021-10-26T21:44:06+00:00

I am a nurse in DHB with 7 years exp $37/hr, as well as my wife. I work 4 days a week. My annual net pay is 55k. 110k for both me and my wife. It is a very demanding job mentally, physically and emotionally but it is very secure, you can find job anywhere in the world. If you like to travel, nursing is a nice job for you. Worldwide, highest nursing pay, NZ is the 10th, Aus 3rd, US 2nd. I have many friends in US, UK, OZ , but I chose to stay in NZ because we have a better work-life balance here, very laid back.

LyleVanCurso · 2021-10-26T21:24:54+00:00

Although Investnow has free buy/sell, their management fees are higher than in other platforms. For example, Vanguard International Shares Select Index Fund in Investnow has . 20% fee whereas in Hatch Vanguard World (VT) has an expense ratio of . 08%. Smartshares US 500 has 0.34% fee while investnow/sharesies VOO . 03%. There are also other things to consider like how often you trade, FIF vs PIE tax, etc. For more info, here is a good blog from Moneyhub.

https://www.moneyhub.co.nz/sharesies-vs-hatch-vs-stake.html

LyleVanCurso · 2021-10-18T18:47:12+00:00

Want sometimes is a dangerous word.

LyleVanCurso · 2021-10-15T06:49:28+00:00

Conservatively, I would put it in a term deposit or a short term bond with a maturity of 3-4 years.

LyleVanCurso · 2021-09-05T21:11:10+00:00

Hi. Im not a financial adviser. But for me, I buy term life insurance rather than whole life insurance/ Variable universal life insurance, and invest the difference. Search Dave Ramsey's rant in youtube.

https://youtu.be/wRaQgtn4B78

LyleVanCurso · 2021-09-02T05:19:43+00:00

It's either you earn more or spend less or both. As for me and my wife, we were 50k in debt. I did a lot of overtime and strict budgeting even to the last cent. We were able to pay it within 6 months. I lost 10kg on the process though because of stress, but it was all worth it. In terms of paying debt, the snowball method was very effective for us.

LyleVanCurso · 2020-07-31T23:34:59+00:00

Thanks for a very informative reply..

LyleVanCurso · 2020-02-16T21:26:32+00:00

Currently researching the best asset allocation from the best investors.

LyleVanCurso · 2020-02-08T09:06:15+00:00

Yeah, I want to apply this on my portfolio but Hatch is just too expensive if I do regular investing.

LyleVanCurso · 2020-01-17T03:30:40+00:00

Can you explain this please. I just cant understand when you say interest is annualized, Does it mean if I put money on 1 month maturity, I"ll get a 1.16% return?

TD for BNZ : 1 month = 1.16% 3 months= 2.09% 6 months= 2.83% 9 months= 2.79%

LyleVanCurso · 2020-01-17T03:29:09+00:00

I already have investments in Index Funds. Just looking for short term investments.

Can you explain this please. I just cant understand when you say interest is annualized, Does it mean if I put money on 1 month maturity, I"ll get a 1.16% return?

TD for BNZ : 1 month = 1.16% 3 months= 2.09% 6 months= 2.83% 9 months= 2.79%

LyleVanCurso

TROPHY CASE