All in Investment

What does ‘locking in your losses’ mean?

What does ‘locking in your losses’ mean?

Ruth
Investment, KiwiSaver, Retirement, Simplicity

In mid-March, I happened to have RNZ on in the background when one of their guests mentioned that they got such a fright at the drop in their KiwiSaver balance that they immediately switched from a Growth fund into a Conservative fund in an effort to stop themselves losing money. I remember stopping what I was doing and smacking myself on the head in a Homer Simpson ‘DUH’ moment and saying out loud to myself “Noooo. What did she do that for? And why did she have to say it on the radio where other people might think it’s a good idea to do the same?”

Why save, plot and plan for my financial future?

Why save, plot and plan for my financial future?

Ruth
Personal Finance, Retirement, Debt, Investment, Saving, Money Education

There has been quite an increase in questions over the last couple of weeks, which is not at all surprising given how much uncertainty is out there. And this week, having answered so many emails, plus I was finishing writing and recording my final podcast episode of this series, I’ve not quite gotten around to a new blog post. So this week I’ve decided to republish a post I wrote back in 2017 because I feel that it’s still very relevant today.

“Don’t look for the needle - buy the haystack”

“Don’t look for the needle - buy the haystack”

Ruth
Index Funds, ETF, SmartShares, Sharesies, Hatch, Investment

There has been a sudden interest in the share market and it has me worried. I am noticing that there is a cohort of investors frantically rushing to invest in shares to “make the most” of this current crisis. I, on the other hand, have resisted all instincts to DO SOMETHING, to rush around and find those one or two companies that are at what I believe to be rock bottom prices so I can buy low and sell high. Instead, I have calmly followed the advice of John C. Bogle when he said: “Don’t look for the needle - buy the haystack”. That’s what I’m doing, I’m just buying the entire market.

The blog post I never wanted to write: TAX

The blog post I never wanted to write: TAX

Ruth
Hatch, Index Funds, Investment, KiwiSaver, PocketSmith, Sharesies, Sharesight, Simplicity, SmartShares, ETF, Tax

With so many new investment platforms coming on stream in the last couple of years, it has never been easier to buy a stake in a company via either an index fund or by buying individual shares. It is awesome how accessible investing has become. But in this effort to uncomplicate becoming an investor a lot of these newer investment platforms have inadvertently put investing through the complicator when it comes to tax time, because many of you are unsure about how to handle investments in regards to tax. So this blog post is going to focus on how I go about things at tax time.

Finally, I'm a net worth millionaire!

Finally, I'm a net worth millionaire!

Ruth
Index Funds, Hatch, Investment, KiwiSaver, Personal Finance, PocketSmith, Shares, Sharesies, Simplicity, SmartShares, ETF

I’ve waited a long time to fill out my own Net Worth Millionaire Questionnaire! YES, our net worth has finally ticked over from 6 numbers to 7 and it’s fair to say I’m delighted. But what is the purpose of me and other people sharing this information? It’s so that you can apply it to your own situation and see the variety of ways that other Kiwi’s have created wealth for themselves and know that it is possible for you as well.

The Family Christmas Newsletter

The Family Christmas Newsletter

Ruth
Hatch, Index Funds, Investment, Kids and Money, PocketSmith, Sharesies, Simplicity, SmartShares, ETF

Christmas at my house when I was growing up was always a busy, crowded and fun time. We used to receive heaps of Christmas cards and the most exciting ones were the cards that contained the “annual Christmas letter” from the sender. So, I thought I would write you a Christmas Newsletter from my whanau, with a personal finance twist of course…

HATCH

HATCH

Ruth
Hatch, Investment, Personal Finance, Shares, Index Funds

Way back in February 2019 I created an account with Hatch, they were a very new startup at that time and many people had sent me emails asking me to look into them. They have created a simple and intuitive platform that has cut out a lot of the jargon and brokerage fees and made it pretty straight forward for you and I to invest in the biggest companies in the world.

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