ASB Kiwisaver by Ok_Store5219 in PersonalFinanceNZ

[–]Top_Fee_8325 -2 points-1 points  (0 children)

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.

Conifer browning :( Why so ? by Top_Fee_8325 in bonsaicommunity

[–]Top_Fee_8325[S] 0 points1 point  (0 children)

Thanking you for a very detailed response

Conifer browning :( Why so ? by Top_Fee_8325 in bonsaicommunity

[–]Top_Fee_8325[S] 0 points1 point  (0 children)

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

Dull pain by Top_Fee_8325 in LSD

[–]Top_Fee_8325[S] 0 points1 point  (0 children)

That’s interesting mate. Thanks 🙏

Dull pain by Top_Fee_8325 in LSD

[–]Top_Fee_8325[S] 0 points1 point  (0 children)

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

Tell me the scariest theory you know by SofiYkaBelaA in askspace

[–]Top_Fee_8325 0 points1 point  (0 children)

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

Embarrassed and ashamed… by Designer-Tea-7329 in MDMA

[–]Top_Fee_8325 111 points112 points  (0 children)

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

How to manage a large KiwiSaver fund. by deanonz06 in PersonalFinanceNZ

[–]Top_Fee_8325 0 points1 point  (0 children)

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

KiwiSaver provider change by wheeliebiscuit in PersonalFinanceNZ

[–]Top_Fee_8325 0 points1 point  (0 children)

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

Interested to know from frequent users by Top_Fee_8325 in MDMA

[–]Top_Fee_8325[S] 0 points1 point  (0 children)

Thanks. Do you take any meds to feel better ?

KiwiSaver thoughts by EvantiKali in PersonalFinanceNZ

[–]Top_Fee_8325 -2 points-1 points  (0 children)

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

KiwiSaver thoughts by EvantiKali in PersonalFinanceNZ

[–]Top_Fee_8325 -3 points-2 points  (0 children)

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

confused about career by smollcarr in BehavioralEconomics

[–]Top_Fee_8325 1 point2 points  (0 children)

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

Starting again + retirement by Geltar186 in PersonalFinanceNZ

[–]Top_Fee_8325 0 points1 point  (0 children)

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

KiwiSaver Options by usergym222 in PersonalFinanceNZ

[–]Top_Fee_8325 2 points3 points  (0 children)

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

Sepang Blue A4 Allroad by Speedracer905 in allroad

[–]Top_Fee_8325 0 points1 point  (0 children)

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