retire2asia

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Category: Investment Avenues

Our investments take flight

As anyone who’s read any financial independence blog will know, investing in index funds is the most surefire way to achieve reliable gains over time. But it can be fun to invest in the odd individual company on the side as a hobby or an experiment. I don’t recommend making such investments a large portion of your portfolio, but some people do try this.

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Can you eat your lunch and have it?

The conventional wisdom in the financial independence community is that index funds are the slow but sure way to wealth and I agree with that. Consequently, the vast majority of our investments are in Exchange Traded Funds (ETFs). Because we are in “growth” KiwiSaver funds, our provider invests the majority of our retirement money in ETFs. The majority of our Sharesies investments are also in ETFs. But, we have specialised on a couple of companies recently and I want to share why.

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Rental Properties – A Contrarian View

It’s important to preface this by saying I will be discussing rental property in New Zealand in this article. From what I’ve heard and seen on various US personal finance blogs and podcasts, the property market over there seems to vastly different so what I say here likely won’t apply. Please refer to my disclaimer as well, where I will further attempt to extricate myself from the idea I’m providing any real advice 🙂

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KiwiSaver – What is it good for?

Well I don’t want to give away too many spoilers early on, but the answer is definitely a lot more than absolutely nothing! As per my disclaimer, I would recommend getting personalised financial advice before making any decisions, but the general consensus here in NZ is that you need to have a really, really good excuse to not be in KiwiSaver, and I’m yet to hear such an excuse.

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Investing with Sharesies

I should introduce this post by saying I don’t have any connection to Sharesies beyond using their product, but the links I’ve included in this post are referral links so I will benefit if you sign up for their service.

Sharesies is a New Zealand company who have created an online platform to invest mostly in ETFs and managed funds (at this stage). They are popular for their simplicity, but the fees can be a drawback, which I’ll go into more detail about soon.

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Pros and Cons of P2P Lending

A few years ago we started putting money into peer-to-peer lending, specifically Harmoney. Currently we’re gradually phasing out of the investment and I want to tell you why, but first I’ll cover off what P2P lending is and what the up sides are.

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Why We Hold Bonus Bonds

If you’ve been reading my net worth posts, you’ve probably noticed we have $20 in something called Bonus Bonds. For the uninitiated, or those outside New Zealand, Bonus Bonds are not really bonds, at least not in the traditional sense. I’ll give a quick run down and then explain why we’ve decided to have $20 in Bonus Bonds but do not consider them an investment.

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