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4 Keys to Financial Success

 

There are rules to getting the most out of your money and these rules apply to everybody irrespective of your personal circumstances, stage of life, or goals. They are basic common sense.

  1. Live within your means

This is the most basic money management rule. If you do not follow this rule then you are going to struggle to get ahead financially. There are several reasons why people do not live within their means. The main ones are:

(a) Their income does not match their lifestyle

Some people have a lifestyle which is not compatible with their income level and so they overspend or they spend everything they earn with the result that there is nothing to show for their labours. The easy solution is to be more modest in your lifestyle choice. Cutting out things which do not add any kind of value to your life.

(b) Easy access to credit

Easy access for credit has enabled people to bury their heads in the sand rather than confront their financial issues. After all, if you want something then just put it on the plastic. There is a cost to all of this credit and it is called “Interest.”

(c) Lack of self control

Lack of self control is the main factor why people do not live within their means. Being able to say “No” to things you want will stand you in good stead. 

  1. Save

The habit of saving is a habit which will open doors for you as far as being able to afford things. It means that you do not have to borrow money for basic household appliances or a motor vehicle if one is needed. The money saved by not paying interest on these things add up to a fortune during one’s lifetime.

  1. Invest

Investing your money will enable your wealth to grow. Today, there are so many opportunities for those of modest means to invest with so many online investing platforms available. Sharesies and Hatch are excellent online platforms where investors can drip feed money into the share market. Most people in New Zealand have money invested in Kiwisaver. This is New Zealand’s retirement scheme. The annual tax credit and the employer contributions make this the best way of saving for your retirement. Even if these incentives were not available, Kiwisaver would still be a brilliant scheme even without the government money and employer contributions, because funds are locked up until you reach the retirement age of 65.

  1. Make right choices

It is important to make the right choices in order to live a more prosperous life. If you are on the minimum wage then your options are limited as far as what you can afford and the choice to get married, have kids, or buy a car is among those choices which cannot be taken lightly. It is all about making choices which align with your income level and your goals.

I am not saying that you should not get involved with someone if you are on a low income, but rather make sure that you are in a good financial position before you make major life decisions.

About this article

The information in this article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com

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How to get the most out of your Kiwisaver this year

How to get the most out of your Kiwisaver this year

Are you getting the most out of your Kiwisaver? 

Here are the main ways of making the most out of your Kiwisaver. If you live in a country outside of New Zealand then some of these points may not be applicable to you.

  1. Claim your full tax credits

The government will pay you $260 every July as an incentive for contributing to Kiwisaver, but to claim this amount you must deposit at least $1,040 every year. This needs to be the goal for everyone who is in Kiwisaver.

Women have breaks in their employment to have kids and often miss out on the government tax-credits. It makes sense for husbands to make voluntary deposits into their wife’s Kiwisaver to ensure that she makes the minimum deposit of $1,040 in order to qualify for the $260 annual tax credit.

  1. Choose the right fund

Choosing the right fund can help your savings grow and grow in the long term. If you are too conservative then you are going to leave yourself short-changed by the time you retire. Retirement savings are considered a long-term investment if you have at least ten years before you retire, however, if you intend to continue working after you reach the age of 65, then you may wish to stick with growth/balanced funds. It all boils down to the risk you are willing to accept and whether a market downturn is going to affect your lifestyle.

You may have your kiwisaver invested in growth funds, but that does not mean that other investments should also be in growth funds. It all depends on your timeline and when you may need the money. If you need the money within five years then it may pay to take a more cautious approach and invest conservatively.

  1. Invest what you can

If you are not employed or are self-employed and can afford to make voluntary contributions into your Kiwisaver then do so by all means. Your future self will thank you for it. Think of what you spend your money on which does not provide you with any value. This could be diverted into your retirement fund instead. 

  1. Check what your contributing

Employers have the option of paying in 3% up to 10% of their gross wages into their Kiwisaver. If you have not nominated how much then you’re probably putting in the minimum amount of 3%. 

  1. Start young

If you have children then it is important that you teach them good financial habits. That is saving for the future. As far as Kiwisaver goes, the age of qualification for the Kiwisaver tax credits has been lowered to 16. This will give youngsters extra motivation to join. 

Saving for your future needs takes vision and is the responsible thing to do and with Kiwisaver you have a scheme which will take care of your needs in later life, providing that you keep contributing during your working life.

About this article

This article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Read my other articles on www.robertastewart.com

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How Sharesies is turning ordinary people into Investors

How Sharesies is turning ordinary people into Investors

Written by R. A. Stewart

When I was young there were limited opportunities to get involved in the share market. You had to save up a certain amount of money and invest it in your chosen company. In order to diversify you had to repeat that same saving up then investing process several times.

Then came managed funds where your money was combined with other investors which enabled you to have a diversified portfolio. Not only that but you have the opportunity to choose a fund according to the level of risk you are willing to take, whether it be growth funds, balanced funds, or conservative funds.

80% of Sharesies investors are under 40. There are benefits to getting involved in the markets from a young age. They are:

  1. Young people have time on their side and therefore are able to be more aggressive with their money by investing in growth funds.
  2. Young people have more time to recover from market meltdowns. The Share market is a long term game worth taking on board.
  3. Investing from a young age will increase an investor’s financial literacy and this is an experience which they can take with them into the future.
  4. Young people do not have as many commitments so have more discretionary money to invest into the markets.

If there is one habit which should be developed from a young age it is the habit of saving and investing. Making provision for your future needs is the responsible and mature thing to do. Indeed, it is a red flag when a potential life partner pays no attention to monetary matters. As they say, “Most marriages which fail, do because of financial issues.”

People do not change their spots overnight. If they give that appearance, it will only last until they have you and then he or she will revert to their old habits.

Now and again there will be a financial guru who claims that they made a killing on the share market and are willing to share their secret with you. What generally happens is that the person who made the killing will try to repeat the effort and end up losing their gains and a lot more. Then there is the fact that for every person who made the killing, a lot more tried the same thing and lost all of their money.

Experience will give you the wisdom to know when to take what someone has said with a grain of salt. 

Never allow the fear of making a mistake prevent you from investing. It is better than you making your mistakes when you are young because they will not affect you as much as when you are older and have more commitments.

As for Sharesies, I treat it as another string to my financial bow. Here is my strategy. I choose one New Zealand company to invest in per year and drip-feed money into this company every year. Some of the companies I have on Sharesies are Spark, Genesis Energy, Fletcher, PGG Wrightson, Fonterra, and Contact Energy. I have not decided on which company to invest in 2026.

Invest according to your own personal goals and circumstances and not what others are doing. It is your responsibility to set out your finances according to your goals and not what others suggest you should do with your money.

There are some great books on personal finance available. Frances Cook and Mary Holm are two New Zealand authors whose books are worth reading so if you can obtain a copy of their books then it will steer you in the right direction.

All the best with your investing.

ABOUT THIS ARTICLE

The content of this article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your website/blog or ebook.

Read my other articles on www.robertastewart.com

Start investing on a shoestring

Sharesies makes it possible for anyone to get into buying and selling shares. It is an online share market platform where you have the option of purchasing shares in individual companies or in various funds (managed/mutual funds). You can even start with $5. This is a no brainer because it gives investors young and not so young the chance to improve their financial literacy. There is certainly no substitute for experience when it comes to learning and this is applicable to everything else, not just investing.

Join sharesies here: https://sharesies.nz/r/377DFM

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The Benefits of getting into the habit of Investment

 

Written by R. A. Stewart

“A dollar saved is better than a dollar made because you don’t pay tax on a dollar saved”-Anonymous

Saving money from your wages is easily done for most people. It is a habit which can reap dividends in the long term. No pun intended.

A lot of people are good at saving money but have not got into the habit of investing.

In order to build up your wealth, it is imperative that you develop an investor mindset. These days in the internet age it is not necessary to be rich to invest, but you certainly need to invest to become rich.

Investing increases your financial literacy. The only way to become a good investor is to become one and with that experience will come knowledge. Reading books about personal finance is one thing but in order to turn the information you read into knowledge it is necessary to put into practice what is taught in those books.

I am keen to point out that not everything in personal finance type books will be applicable to your personal circumstances, but if you know where you are going then you will have the common-sense to discern which advice is applicable to your situation.

Becoming a good investor requires practice, practice, and more practice. To become a good investor requires an investor mindset. If you can handle the highs and lows of the markets and not panic when the market goes down. 

During market slumps we hear stories about people who changed from growth or balanced funds to conservative funds. A week or so later the market rallies and these people miss out on the rises which would have seen their retirement funds rise. It is a lose-lose situation for them. 

If you have chosen investments which are compatible with your risk-profile then the market volatility should not concern you.

“Inflation is the enemy of the conservative investor.”

In order to build your wealth it is necessary to take calculated risks. This is applicable in every aspect of life. Taking risks is not the same as being reckless or gambling. The key is to spread your money in different places. Taking a risk on making a killing by investing your whole life savings in one company is just stupidity, yet this is exactly what some people did prior to the Global Financial Crisis and the company went belly up. 

These people blamed others for their loss. 

“If it is going to be then it is up to me” is a rule to live by. This does not mean rejecting sound advice, but rather having the common sense to know whether the advice is good or bad.

At the end of the day, it is up to each individual to set up their own system for their finances, one that fits in with their goals and personal circumstances.

About this article

The contents of this article are of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website, or ebook.

Read my other articles on www.robertastewart.com

Explore Freely, Spend Wisely: The Ultimate Travel Companion

 

For the ultimate freedom to explore these incredible routes, get a Wise Travel Card. One card holds multiple currencies, letting you pay effortlessly in NZD for fuel, snacks, and accommodation. It automatically converts your money at the mid-market rate, saving you from costly bank fees. Top up and manage your funds instantly via the app, making it the smart, secure, and simple way to travel. Spend like a local and focus on the scenery, not the small print. Get yours and travel with ease.

https://wise.com/invite/dic/roberts10486

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Don’t just hoard your money-put it to work

Written by R. A. Stewart

Saving money is a good habit to get into; it will put you in a better position to thwart some of the unforeseen setbacks which life has in store for us. It will also mean that you are able to pay for those major items in life which will crop up such as, a car, wedding, kids,or  retirement. This all requires vision. Planning for those things which are unseen but will likely occur in the future.

A person with no vision will spend their money without any thought for the future; they live for today as though tomorrow does not exist.

Saving money is one thing but investing is another thing altogether. Investing your money can multiply your wealth and help you to achieve your goals faster.

Investing needs to be strategic. Most importantly you need to know whether what you are saving for is short-term, medium-term, or long-term.

Your rainy day fund is considered short-term because you could need the money anytime, whether that be for car repairs, insurance, dental or medical bills.

Saving for a car can be considered short or medium term depending on how long you have given yourself before you are buying a car. 

Your retirement fund and saving for a house deposit are considered to be long-term savings goals.

Here is a breakdown of Short-term, medium-term, and long-term goals.

Short term is under one year

Medium-term is one-five years

Long-term is more than five years.

This determines your risk profile but you can fall into more than one category depending on what your savings goals are.

Your rainy day account is money which should be invested conservatively such in an ordinary savings account or a conservative fund in say sharesies or robinhood.

You’re saving for an overseas trip or car within five years in the medium term so you could consider having that money in a conservative or balanced fund.

Your retirement fund is considered long-term so that money could be in a growth fund if you can stomach the volatility of the markets.

As an investor you can fall into all three categories.

There is another category which I will include here and that is discretionary money, but if you are planning to save for something special then you can simply redirect your discretionary spending money into whatever you are saving for.

What you spend your money on is what takes priority in your life. It should not be at the expense of your future plans. If you are spending all of your discretionary money on your hobbies but have nothing to show for all of the money you have received from whatever source your income comes from then there is a problem. 

It all boils down to choice and how you manage your money. It is not how much money you make which determines your financial outcome but what you do with what you make.

With the right financial strategy in place you can weather some financial storms which may come along. As for investing, if you choose the correct investments for your risk profile then what the markets are doing will not be an issue. Don’t let the possibility of loss scare you off investing. You need to be an investor if you want to grow your wealth.

About this article

The opinions expressed in this article are of the writer and may not be applicable to your personal circumstances, therefore, discretion is advised. You may use this article as content for your blog/website, or ebook.

Read my other articles on www.robertastewart.com.

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Investing with a Vision

Investing with a Vision

Written by R. A. Stewart

“He who lacks vision will perish.”-Proverbs 29:18

Financial planning requires vision. What does vision mean? It is the art of preparing for the unseen. People will go through life stages. They buy a car, get married, have kids, and retire. A person with vision will make provisions for these life stages. A person with no vision will spend all of their discretionary spending money without giving any thought to the future.

This is irresponsible and selfish because there are consequences to spending now and burying your head in the sand mentality and that is often poverty. 

If you enter into a relationship with someone then you will take your financial situation into that relationship. If you have a bad credit rating then you and your partner may have difficulty obtaining a mortgage.

Someone who is a good money manager will make provisions for the future which will help them to withstand financial shocks which may not have been predicted such as a job lay off or health issues.

Financial planning does not end with saving money, but rather it is the beginning. Investing that money so that it is working for you can increase your savings and certainly your financial literacy. Your risk profile is the factor which determines where you should invest your money.

Your risk profile is the amount of risk you can take on in relation to the term of the investment. 

If you are in your twenties or thirties then investing in growth funds may be right for you because you have more time to recover from a market meltdown. Someone in their sixties may need their retirement funds within five years or less and the last thing you need is for the markets to take a dive just when you need the money.

If you are putting money aside for a mortgage deposit, car, your child’s education, then you may want to take a more balanced approach with your investing.

It is worth pointing out that you could fit into more than one risk profile category.

If you are young then financial advisors suggest that investing in growth funds is the way to go for your retirement fund because you may have more than forty years before you retire.

However, you may also be putting away money for a mortgage deposit and need that money within 5-10 years so taking a more conservative approach to your house deposit funds may be best. Again, if the markets took a dive just when you needed the money then your house deposit funds will be short of where you intended it to be.

Having the right kind of attitude to your money will pay dividends in the long term. Some people scoff at those who are prudent with their money, calling them selfish and money hunger yet go out and purchase lottery tickets in the hope of winning a quick million. If that is not a contradiction in their philosophy then I don’t know what is. Gold Diggers are notorious for this. A man is their only financial plan; they have no interest in gaining any kind of financial knowledge. There is an abundance of it out there. You just need to pay a visit to your local library to find such books. Even your local charity stores will have some of these books in stock. 

My favourite authors are Frances Cook, Mary Holm, and Martin Hawes. These financial advisors are from New Zealand. Their advice is just as applicable to other countries, well, most of it. It is just a matter of acting on what they say. That is, if it is applicable to your personal circumstances. 

Having some kind of vision for your life will make it meaningful and fulfilling and that requires a degree of vision. Just Go For It and take no notice of your detractors.

About this article

This article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your ebook, website, or blog.

Read my other articles on www.robertastewart.com

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Share market investing tips

Which Company shall I avoid?

Written by R. A. Stewart

That is a question many investors ask themselves as they read the financial section of their newspaper or on a financial website., It is a fair question.

I am not going to and would never tell people to invest in this or that, but will tell you which sectors I usually give a wide berth to and why. You may think differently and I may be proved wrong. That is the beauty of the world; it is full of opinions and only one opinion turns out to be right.

Micro investing platforms such as sharesies in New Zealand and Robinhood in the USA had made share market investing accessible for the man in the street. Investors are able to purchase shares in individual companies. 

As for choosing which industry to invest in, here are the ones I avoid and for good reason

  1. Airlines/travel

It was around the year 2000 when I bought shares in Air New Zealand. It seemed a good choice because this was a company which has been around for decades. Then the company struck turbulence. The share price slid to as low as 14 cents a share. The government bailed them out, otherwise they would have been insolvent. It was not the only time the government has bailed them out since. The pandemic has shown how vulnerable airlines are. 

  1. Hospitality

Anything to do with hospitality is something I do not get involved in. The industry has been doing it tough since covid. The industry heavily relies on the discretionary dollar and people have become more selective in what they are spending their money on these days.

  1. Satellite TV

This industry is vulnerable to changing trends. People are getting more and more of their information online these days. 

  1. Retail

The retail industry has its challenges with internet shopping being the norm. Adapt or die seems to be the rule. Retail outlets who are in a good location or are in an industry which is considered recession proof are likely to do best. PGG Wrightsons are a company which services the farming industry. They have been around for decades and are likely to, barring unseen circumstances. Farming is considered a recession proof industry, though it is vulnerable to mother nature.

  1. Insurance

This is another industry vulnerable to Mother Nature. We have seen from the Christchurch earthquakes of 2022 and Cyclone Gabrielle which hit the North Island of New Zealand in February 2023 that insurance companies end up paying millions in one event. 

  1. Newspapers and magazines

This is another industry with its own challenges. Declining newspaper sales is likely to continue which makes them a poor investment.

  1. Fossil Fuels

Anything to do with fossil fuels is risky as many governments transition away from industries which are seen to be major polluters. This does not mean that industries which are green are good investments. It is a case of treating each investment on its own merits and not becoming emotionally involved in it.

Important rules to follow

The basic rules of investment need to be followed, they are:

(a) Do not place all of your eggs in one basket; in other words, DIVERSIFY

(b) Establish your own RISK PROFILE for your money. This will be the determining factor in choosing where to invest.

(c) Do not react to dips in the market by selling your shares or changing from growth or balanced funds to conservative funds.

If you have invested according to your risk profile then what the markets are doing should not be a worry to you. When you are deciding where to invest your money, ask the question, “If the markets dropped by 5%, 10%, or 15% how will this affect my lifestyle?”

If you have discretionary money to spare you can use this for speculative investments such as bitcoin. Investing some of your spending money in these types of investments instead of buying stuff, or alcohol, or lottery tickets can pay off. If you lost the money in cryptocurrency which you would have frittered away anyway then it will not affect your lifestyle.

About this article

The content of this article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook. Read my other articles on www.robertastewart.com

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Kiwisaver Benefits for KIwis

Are you throwing money away?

 

Written by R. A. Stewart

 

New Zealand’s kiwisaver scheme is a retirement scheme for New Zealanders. There are many features and benefits of joining kiwisaver.

What is the difference between a feature and a benefit?

A feature of kiwisaver is that the money is locked up until you reach the age of 65.

The benefit is that you will have a nest egg waiting for you when you retire.

Here is the main benefit of kiwisaver. 

The government will deposit $520 into your kiwisaver providing your contribution is at least $1040 during that financial year.

People who are not contributing to kiwisaver or have not even joined are missing out on all of this money.

Why?

It is hard to fathom why anyone would not join kiwisaver. 

There will not be a single person who reaches the age of 65 who regrets that they contributed to kiwisaver all of their lives.

It is a matter of asking the question, “What will my future self thank my present self for”?

The key to kiwisaver is to keep contributing irrespective of what the markets are doing. 

Investors will be rewarded for their consistency.

Some people have prioritized other things such as sky TV, cats and dogs, lotto, smoking, and booze over their future prosperity.

It is all about choice and it is something everyone has. 

Any New Zealander is able to join kiwisaver.

Any one of any age, from the day a baby is born to those already retired. 

It is important to point out that only those aged from 18-65 are eligible for the government money. It is still worthwhile for those age groups which are not eligible for the government top up to join kiwisaver because it will give the young ones a head start in life and who knows, a rich uncle may leave them some money in his will. It doesn’t pay to fall out with your family by making false allegations about your cousin.

The retired folk can treat kiwisaver as an investment; one which you have access to.

There are circumstances when you are able to withdraw money from kiwisaver, they are:

(a) For bond money if applying for a flat to rent, but only under thirty year olds are eligible to apply.

(b) You may use a portion of your kiwisaver as a deposit on your first home. Most people who take this option are in their thirties.

(c) Moving overseas permanently.

(d) Terminal illness

(e) Hardship

There are some hoops to jump through when trying to withdraw your kiwisaver for hardship reasons. 

There are several books on personal finance which I recommend with my favourite New Zealand authors being Frances Cook, Mary Holm, and Martin Hawes. Check them out. Maybe your local library will stock their books.

With so much information on personal finance available there is no excuse for being financially illiterate. Not joining kiwisaver when you have the means to is just stupidity.

If you are one of these people then you are just throwing money away

About this article:

You may use this article as content for your blog, website, or ebook.

Read my other articles on www.robertastewart.com

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Your investing risk profile and what it is.

Written by R. A. Stewart

Your risk profile is the level of risk you can take with your investments based on your personal circumstances and your timeline.

The number one question to ask before deciding where to invest your money is, “Will the loss of my capital affect my lifestyle?”

Here is an example of how this may occur. 

Suppose you are saving for a car and you decide to use an online investing platform such as sharesies or robinhood to save for that car. You also decide that you will invest your money in growth funds and your savings are going well for a while and just when you are a month away from  purchasing your car, the market takes a dive. (as it has after Trump imposed tariffs on imports).

Your planned purchase of that car now has to be put on hold which has affected your lifestyle.

On the flip side of this is that you can purchase more unit trusts than previously so that when the market rebounds your savings will grow faster.

There are three options when investing in managed funds; growth, balanced, or conservative. 

Growth funds have the most potential to grow your money but they are also the fund with the most risk.

Conservative funds are the safest option but they are also the least profitable.

Balanced funds are a combination of growth funds and conservative funds.

Your risk profile will determine where you are going to invest your money and this is dependent on when you need the money.

This can be classified into any one of three categories:

  1. Long-term money
  2. Medium-term money
  3. Short-term money.

It is possible to fall into more than one category as an investor depending on when you need to access your money.

For example: Your retirement fund if you are young is classed as long-term money, but your rainy day fund is short-term money.

Long-term money is money needed after five years.

Medium-term money is money needed between 1-5 years

Short-term money is money needed within a year.

Long-term money may be money saved for a house-deposit or your retirement.

Medium-term money might be money being saved for an overseas holiday or a vehicle.

Short-term money might be money being reserved for unexpected bills which crop up or an overseas holiday you intend to take within twelve months.

There are so many investing apps available these days that setting something up for a specific savings project is a simple process.

The current share market falls should not be much of a concern to investors who are in the correct type of funds. Your financial plan has to consider the worst case scenario of a share market crash. Hopefully, a 1987 Black Monday type of crash will not happen.

About this article

This article is of the opinion of the writer and may not be applicable to your personal circumstances, therefore, discretion is advised. You may use this article as content for your blog/website/ebook.

Check out my other articles on www.robertastewart.com

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Share market falls on the back of Trump Tariffs

Markets tumble

Written by R. A. Stewart

The markets have taken a tumble after President Trump’s tariffs have started a trade war.

The newspapers have reported that Kiwisaver balance will be affected on this. This is stating the obvious. Kiwisaver balances may have dropped, but a lot of people are decades away from retirement so how the markets are performing in 2025 is not going to affect how much they have in kiwisaver when they retire in 2035 and beyond.

It all boils down to selecting the right fund for your risk profile. Money invested falls into one of three categories. Short-term money, medium term money, or long-term money depending on when you are going to be needing that money.

Other factors which come into it are your age, health, and commitments.

The share market goes up and down and the recent (March 2025) tumble is mainly due to the tariffs which President Trump has imposed on goods from certain countries, namely steel. 

Losses are only on paper, but investors who react to recent events and change to conservative funds will lock in those losses and miss out on the gains when the markets rebound. 

The United States will have a new President in four years time, and it certainly will not be Donald Trump in charge then so the markets will certainly bounce back then, if it had not prior to that.

Changing to conservative funds is not the only way to lose during a market slump. The others are to stop contributing to your retirement fund or if you are already retired, make withdrawals from kiwisaver.

With everything being said, it is not the current market slump which will determine how much your retirement portfolio is worth when you retire but how you react to market volatility and that is all down to the choices you make. 

Here is a list of choices which will affect your kiwisaver balance when you retire:

  1. Changing from a growth or balanced fund to a conservative fund.
  2. Stop contributing to your retirement fund.
  3. Withdraw money from your kiwisaver.
  4. Chopping and changing from one type of fund to another.

No one is going to reach the retirement age and regret that they made contributions to their retirement fund. Ask yourself this question, “Will my future self thank me for investing my money instead of wasting it?”

Your retirement fund can only be accessed when you reach the retirement age, therefore you need an alternative source of funds to cover any future financial needs. There are lots of online investing platforms available where you can invest a minimal sum of money regularly and still have easy access to your funds. If you are from New Zealand or Australia, sharesies is a good option for you. This gives you easy access to the share market.  Check out Sharesies Here

About this article

The opinions expressed in this article are of the writer’s own opinion and may not be applicable to your personal circumstances, therefore discretion is advised. 

Disclaimer: I may receive a small commission if you join sharesies.

You may use this article in full or part as content for your blog or ebook. Check out my other articles on www.robertastewart.com