All in Sharesight

Begin at the Beginning: Step-by-step Path to Financial Independence

Begin at the Beginning: Step-by-step Path to Financial Independence

Ruth
Budgeting, ETFs, Index Funds, Investment, KiwiSaver, Personal Finance, Shares, Sharesies, Sharesight, Simplicity, SmartShares

Whatever it is that you are embarking on that’s always the best place to start in my opinion. The beginning. Then just follow the path, in my case, the path to financial independence and eventually not being tied to a job to earn my income. It’s a long journey but it’s one worth starting. I’m often writing emails that cover the same points over and over again, so I thought that today I’d put that information into a blog post for all of the people wondering where to start and how to string all the bits of information you have learned about money into a cohesive order.

Should I buy VTSAX or US 500 in New Zealand?

Should I buy VTSAX or US 500 in New Zealand?

Ruth
ETFs, Hatch, Index Funds, Investment, Kernel, Shares, Sharesies, Sharesight, SmartShares

This week I read a question on the Kiwi Mustachian Facebook page from a woman by the name of Kimberly who was asking a particularly good question. I thought that such a question required more than a social media soundbite and that it might also be useful to other Happy Savers. This is an important question and it needs a detailed answer because in my view Kimberly is on the brink of making one of the most important investment decisions of her life and she needs to feel comfortable with what she is doing.

Become Your Own Financial Advisor

Become Your Own Financial Advisor

Ruth
Financial Advisors, Money Education, Personal Finance, PocketSmith, Sharesies, Sharesight, Simplicity, SmartShares, Hatch, Kernel

Before I started The Happy Saver I thought the only way to learn about money was to seek out a financial advisor, the supposed experts in the field, so I did go to a couple of financial advisors. As a result of these attempts I completely gave up on letting anyone else tell me what to do with my own money and decided that no one cared more about it than I did myself so I decided to take matters into my own hands and educate myself. I did it by actively taking an interest in my/our money and reading, listening, asking and deep-diving into all things personal finance related.

An Alternative to Property Investment that Works

An Alternative to Property Investment that Works

Ruth
ETFs, Hatch, Index Funds, Kernel, Investment, KiwiSaver, PocketSmith, Sharesies, Sharesight, Simplicity, SmartShares

I’ve long said that there are alternatives to buying rental property and today I wanted to actually give you some decent detail on this. So today I’m going to give you an idea of what investing into KiwiSaver and index funds/ETFs actually looks like a few years down the track. I find with this blog of mine that it’s helpful to share some real numbers instead of just talking hypothetically all the time.

Did my financial plan stand up to the test?

Did my financial plan stand up to the test?

Ruth
Budgeting, PocketSmith, Sharesight, ETFs

Even though Level 2 had felt quite ‘normal’ here in Alexandra, going to Level 1 on the 9th of June did have me going “phew, we did it”. Collectively as a town, region and as a country, WE DID IT! That’s a pretty good feeling. Well done whanau of 5 million! But personally speaking, I don’t quite feel out of the woods yet. My thoughts are along the lines of “don’t relax too soon Ruth”. Therefore, I’m going to listen to my gut instinct and from a financial standpoint, I’m not done with being cautious just yet.

The COVID-19 Emergency Budget Meeting

The COVID-19 Emergency Budget Meeting

Ruth
Budgeting, Debt, Index Funds, KiwiSaver, Personal Finance, PocketSmith, SmartShares, Simplicity, Sharesight, Sharesies, ETF

If there was ever any doubt about what an emergency might look like, well this is it, folks! I hope that each and every one of you is coping well and today I wanted to let you know what Jonny and I are doing, in the hope that you might gain a few pointers about what to do with whatever situation you may find yourselves in.

The share market is doing what it does, so JUST CHILL!

The share market is doing what it does, so JUST CHILL!

Ruth
Index Funds, KiwiSaver, Personal Finance, Sharesies, Sharesight, Simplicity, SmartShares, ETF

I’ve had a “conscious uncoupling” from worldwide events and am instead reflecting back on the basics of how Jonny and I operate to make sure we are steering our waka in roughly the right direction during these rough waters. This is the first more serious market dip I’ve been through but I’ve read enough and learned enough from those who have gone before to know that the right thing to do is just hold my course and hold my nerve.

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