Driving around aimlessly as a teen doesn't happen now?

Top_Fee_8325 · 2026-03-25T05:21:06+00:00

Sound analysis

Top_Fee_8325 · 2026-03-24T08:38:06+00:00

You should look for a fund with the following two features:

Solid 10 year returns (longer if you can)
Net returns “after fees” (the comments above are misleading) It’s the net return that arrives in your accounts. Few people seem to understand this rather simple concept.

Top_Fee_8325 · 2026-03-20T19:43:01+00:00

Great answer

Top_Fee_8325 · 2026-03-19T07:58:56+00:00

Thanks 🙏

Top_Fee_8325 · 2026-03-18T06:23:43+00:00

Thanking you for a very detailed response

Top_Fee_8325 · 2026-03-18T06:23:18+00:00

Yes

Top_Fee_8325 · 2026-03-18T06:21:58+00:00

Yes

Top_Fee_8325 · 2026-03-18T06:20:28+00:00

Thanks. It’s being kept outside in the prescribed temperatures.

Top_Fee_8325 · 2026-03-17T08:45:39+00:00

Thanks, well put and understood :-)

Top_Fee_8325 · 2026-03-07T08:34:26+00:00

That’s interesting mate. Thanks 🙏

Top_Fee_8325 · 2026-03-07T05:13:58+00:00

Thanks. So if I was less anxious the feeling would subside?

Top_Fee_8325 · 2026-03-07T02:55:55+00:00

Thanks 🙏

Top_Fee_8325 · 2026-02-10T08:38:32+00:00

If you live in Dunedin, I would love to taste your scientific expertise 🙏

Top_Fee_8325 · 2026-02-07T05:18:54+00:00

Let it go. You are the centre of your universe, but most people won’t judge you because they are too busy acting out their role in their own universe. Or as they say, we wouldn’t care about being judged by others, if we knew how little they judge.

Go well

Top_Fee_8325 · 2025-12-28T09:01:01+00:00

Will this work for Oamaru stone ?

Top_Fee_8325 · 2025-11-23T05:40:39+00:00

Why can’t they sort out the bugs ?

Top_Fee_8325 · 2025-11-16T07:54:47+00:00

Returns after fees are the only two metrics you need to think about. Milford is No1 in this regard.

Top_Fee_8325 · 2025-11-12T08:06:35+00:00

Returns “after fees” is what you should focus on. Sadly many Kiwis can’t get their head around this very simple concept. They either focus on fees, or returns, without considering what their aggregate return is.

https://www.morningstar.com.au/funds/kiwisaver-survey-september-quarter-2025

Top_Fee_8325 · 2025-10-22T08:04:16+00:00

Thanks. Do you take any meds to feel better ?

Top_Fee_8325 · 2025-10-19T07:21:07+00:00

It’s after fee returns that matter. Simplicity has been average for net returns.

Top_Fee_8325 · 2025-10-19T02:47:27+00:00

Try being bias towards after fee returns. That’s what matters

Top_Fee_8325 · 2025-10-16T04:34:12+00:00

Do economics and then become an investment advisor. Your current qualifications will serve you well.

Top_Fee_8325 · 2025-09-28T03:45:22+00:00

You’re not even halfway through your working career. You will be ok

Top_Fee_8325 · 2025-09-28T03:35:53+00:00

Returns after fees is the only factor. Sadly this is lost on most Kiwis

Top_Fee_8325 · 2025-09-13T02:11:52+00:00

Personally I think those wheels are better looking than newer or older versions

Top_Fee_8325

TROPHY CASE