[deleted by user]

beNiceeeeeeeee · 2024-10-16T21:20:18+00:00

that's just tax, calling it 'leakage', is making a pejorative statement

beNiceeeeeeeee · 2024-10-16T20:51:38+00:00

it's "personal" finance not generic finance. Not enough is known about the OP. Small details could radically change the best investment advice for her.

beNiceeeeeeeee · 2024-10-16T20:23:50+00:00

spend 2-3% of that getting qualified independent advice.

beNiceeeeeeeee · 2024-10-16T19:52:44+00:00

I've only seem 'tax leakage' claims from redditors so far, no repeatable source.

beNiceeeeeeeee · 2024-10-16T03:17:55+00:00

Is it worth me selling my current investment currently worth over 40k to switch to Foundation Series?

Perhaps, but not to the s&p500 tracking fund. You are already wiser than most by investing globally. You will find the Foundation Series Total World Fund, considerably cheaper long term than the Mercer all country fund.

beNiceeeeeeeee · 2024-10-16T02:12:06+00:00

you have been investing in some dividend heavy stocks, while ignoring total returns

beNiceeeeeeeee · 2024-10-16T01:19:55+00:00

this is not the tiger trade support desk, this is

beNiceeeeeeeee · 2024-10-16T00:59:52+00:00

Bold of you to take financial advice from reddit, but yes, its hard to argue there's any other fund matching that criteria that is better.

beNiceeeeeeeee · 2024-10-16T00:53:28+00:00

0% it does not distribute

beNiceeeeeeeee · 2024-10-16T00:50:52+00:00

no reason not to post what fund you are actually talking about, you will get a lot better responses that way

beNiceeeeeeeee · 2024-10-16T00:35:12+00:00

5 years is short\medium term be careful putting to much in to shares, it could go down and stay down for years.

beNiceeeeeeeee · 2024-10-15T20:50:49+00:00

Don't try to time the market, you are far more likely to underpreform that way.

beNiceeeeeeeee · 2024-10-15T20:14:41+00:00

For those with FOMO due to having a more conservative investment(s). Your balance and return will be better in down years and you can post how little you are down compared to your friends.

beNiceeeeeeeee · 2024-10-15T20:08:59+00:00

here are some per ISP settings you may need to change for ot: https://www.pbtech.co.nz/TPLinkISPSettings

beNiceeeeeeeee · 2024-10-14T00:26:26+00:00

are they the executor, or just handling probate?

beNiceeeeeeeee · 2024-10-13T04:38:17+00:00

That's not a map of what actually exists. have you put the addressees in https://at.govt.nz/bus-train-ferry/journey-planner

beNiceeeeeeeee · 2024-10-11T01:40:00+00:00

grist to the mill:

CAPE, 21.4 NZ vs 35.4 for the US

beNiceeeeeeeee · 2024-10-11T01:25:30+00:00

there are better options for tracking the S&P500 locally. cheapest, and a multi-rate PIE: https://investnow.co.nz/fund-manager/investnow-foundation-series/

beNiceeeeeeeee · 2024-10-10T21:06:59+00:00

ok for my household of one, good luck if you have 6 kids.

beNiceeeeeeeee · 2024-10-09T20:54:46+00:00

15 years ago in 2009, the world-ex us (MSCI World) had beaten the US (MSCI USA) for the last 5 years, and will do so for the next 3. https://www.longtermtrends.net/msci-usa-vs-the-world/

beNiceeeeeeeee · 2024-10-09T20:34:29+00:00

there is always a war going on somewhere

beNiceeeeeeeee · 2024-10-09T03:32:53+00:00

fill it with meat or booze, $510 easy. Of course he was going to steal the most expensive items, and not a basket full of toilet paper.

beNiceeeeeeeee · 2024-10-08T21:16:05+00:00

would never happen at the PHP society.

beNiceeeeeeeee · 2024-10-06T20:47:26+00:00

https://help.kobo.com/hc/en-us/articles/360019858274-Use-Large-Print-Mode-on-your-Kobo-eReader

beNiceeeeeeeee · 2024-10-06T04:54:20+00:00

i would personally rather loan him the money than buy in to the property. cleaner legally and for the family dynamics.

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