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Invest and Forget

Invest and Forget

Written by R. A. Stewart

I know a couple of people who have money invested in the share market and keep track of how their investments are going by checking up on their shares online just about everyday. I told them that I just invest in such and such and then just forget about them. 

For me, there is no point in worrying about how your share portfolio is going because what the markets are doing is out of my control.

If you have chosen where to invest your money and it is in line with your values, your goals, and your risk profile then what the markets are doing should not be a concern for you.

Financial experts will tell you that if you are investing for the long-term, 10 years plus, you should be a little more aggressive with your investing.

Some investors get panicky when the markets are down and shift funds. Then what happens next is that they miss out on the gains which would regained their previous losses, if you can call it that, because these are just paper losses. They are temporary, but if you decide to sell when your shares are down or switch to conservative funds then these losses are locked in.

Some investors change fund managers because their funds are not doing well. It is worth noting that past record is no guarantee of future performance, so even if a particular fund manager out performed all others this year it does not necessarily mean that they will continue this trend.

If you have chosen which fund type to invest in then how the markets are performing should not be an issue.

Your savings goals can be categorised in one of three goals; they are:

Long-term goals

Medium term goals

Short term goals

Long-term goals are money which is not needed for 5 years+. Retirement savings and house deposit savings are examples of long-term goals.

Medium-term goals are money not needed for 1-5 years. Saving for a car or the trip of a life-time fall into this category.

Short-term goals are money needed within 12 months. This could be your emergency fund set up for unexpected expenses such as an appliance or car breaking down. School expenses, etc.

There is no one shoe which fits everyone, therefore it is up to each individual or couple to set up their own financial plan according to their goals and personal circumstances.

Which funds are best for you?

There are three types of funds to choose from when you invest in a managed fund, also called mutual funds. They are:

Growth funds

Balanced funds

Conservative funds.

Growth funds have the most potential to grow your wealth but are the riskiest. They are for long-term investing. It is suitable for young people because they have more time to recover from a market meltdown.

Balanced funds are a combination of growth and conservative funds. They have the potential to grow your funds but are not as risky as growth funds. 

Conservative funds are safer than growth and balanced funds but are not as profitable. They are more suitable for short and medium-term investing depending on how much risk you are prepared to take on.

Once you have chosen where to invest your money, you should just get on with your life and turn your attention to other things. In other words, “Invest and Forget,” because what happens in the money markets is out of your control.

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 website/blog 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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Reasons why investing outside of NZ Makes Sense

Written by R. A. Stewart

“Invest in several places because you do not know when misfortune will strike”-Ecclesiastes 11:2

Is advice given by Solomon and it is advice worth heeding because you do not know when a market downturn is going to happen. It could be the result of political turmoil, a natural disaster, or another pandemic.

When I talk about investing in several places, it does not only mean investing in several different companies, but rather investing offshore as well.

It is called diversification.

There are two main reasons why investing offshore makes sense.

  1. You have access to industries not available in your own country.
  2. You are able to buy into companies that lead the way in AI

There are global brands that you have access to when investing globally, some of these have given excellent returns over a long period of time. 

With such a larger pool full of world-leading industries and companies to invest in, you will have the opportunity for better returns.

On the other hand, New Zealand is a small country with an economy vulnerable to unforeseen events such as foot and mouth disease or natural disasters.

If foot and mouth took hold in New Zealand -it would likely result in the dollar plunging and more expensive imports. Tourism would most likely be affected, and GDP would fall to unprecedented levels.

There are other things which can affect our economy such as a trade war or a serious climatic event. 

It is a good idea to invest globally to mitigate the risk of exposure to a market meltdown in your country.

Check your retirement funds to see what percentage of it is invested globally. Even if most of your retirement fund is invested locally, you can still get involved in overseas markets on a shoestring.

One online platform for doing this is Hatch.

Hatch is a New Zealand based investment platform. If you are from a country outside of New Zealand then it will pay to check out those which are available in your own country.

Before you start  investing with Hatch or any other investing platform, it is important to know what kind of investments they have available and how they align for your investment goals and risk profile.

Invest for the long-term and avoid making short-term decisions based on emotion. Focus on your investment goals and above all be patient. Don’t get fixated on your balance. If you have invested according to your risk profile then your balance should not be a concern.

Smart investors mitigate the risk to their capital by investing in a diverse range of assets and industries. Investing in Hatch offers a gateway to global markets and a diverse range of investment opportunities. By understanding the platform, conducting proper research, diversifying your portfolio, and staying informed, you can potentially build a strong investment portfolio suited to your financial goals. Remember, investing involves risk, so it’s crucial to invest responsibly and stay informed about market dynamics and your investment choices.

Join Hatch here:

Invest in Hatch here

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

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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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Value of New Zealand’s retirement scheme cannot be understated

 

Written by R.. A. Stewart

The Kiwisaver announcements made in New Zealand’s budget on 22 May, 2025 should not affect the retirement plans of the average kiwi.

Prior to the budget, a TV presenter said, “Kiwisaver will be means tested,” without actually giving any details; how are viewers supposed to interpret that statement?

All was revealed on budget day when it was announced that those who have an income of over 180k are no longer entitled to the government incentive. That is fair enough. They hardly need the money!

The second announcement was that the $520 annual kiwisaver incentive was reduced to $260. To receive this amount $1,040 must be deposited into your kiwisaver each year.

Doing the mathematics, this means that you will receive 25% of what you deposit into your kiwisaver for that year. The key is to deposit a minimum of $1,040 into your kiwisaver every year.

The employer contribution  to your Kiwisaver will be raised to 4% of your gross wages.

Some folk might be asking whether it is worthwhile depositing money into kiwisaver due to the reduction in the government incentives.

If the sole reason why you are in kiwisaver is for the government freebies then you are in kiwisaver for the wrong reason. The right reason for joining and contributing to kiwisaver is to save up for your retirement. This will make life easier once you stop working.

It is just a matter of asking yourself, “Will my future self thank me for doing this?”

There will be no one who reaches the age of 65 and then regrets that they contributed to kiwisaver all of their life. The same thing applies to you if you are from a country other than New Zealand. Your retirement scheme will have its own rules, so familiarise yourself with them.

Another Kiwisaver change is that 16 and 17 year olds will be eligible for the $260 Kiwisaver incentive. Previously, the minimum age was 18. The media misreported this saying, “16 and 17 year olds are now eligible for Kiwisaver.”

The truth is that they have always been eligible for Kiwisaver, but previously were not eligible for the government money which is now $260. Those under 16 can still join Kiwisaver. 

To summarise, joining a retirement savings scheme is a mature and responsible thing to do. It is sowing seeds for your future provision which will make life less stressful as far as your future finances are concerned.

About this article

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The Cost of Financial Illiteracy

Written by R. A. Stewart

There is a cost to financial illiteracy and this cost can be passed down to generations and society. Financial illiteracy leads to poor decision making, debts, and missed opportunity for wealth building. 

  1. Poor choices

Financial illiteracy leads to impulse spending, living beyond one’s means, which leads to financial problems. All of this leads to borrowing which in turn leads to debt. Such people are often vulnerable to loan sharks which leads them to a cycle of debt.

Not surprisingly, these people have no savings, therefore, are caught out when some unexpected bill arrives such as an appliance breaking down, or the car needs fixing.

  1. Increased Debt and Financial Stress

Being unable to pay bills on time will lead to financial stress and mental health issues. It will also lead to relationship issues as lenders are sometimes family members who lend money, often with no interest attached may not see their money again. The borrower will sometimes use the excuse, “I did such and such for you”, in order to squirrel out of repaying the loan. This leads to resentment on the part of family members.

Smart money managers will not borrow for consumable items. “If you don’t have the money, you don’t buy it” is a good rule to live by”.

  1. Missed Investment opportunities

People with no financial literacy will not invest their money and therefore miss out on the opportunities to increase their wealth.  They will leave their money in a personal savings account which pays little interest which does not even cover the cost of inflation. As far as retirement goes, they have little savings to fall back on in later years.

  1. Vulnerability to Scams and Fraud

Financially illiterate are unaware of the red flags which are common in scams, therefore, are vulnerable to be taken in by them.

  1. Higher costs for Financial Services

A financially illiterate person will choose financial services and insurance not applicable to their needs or accept advice which is not compatible with their personal circumstances.

  1. Impact on Future Generations

Parents who are not financially literate may pass on their traits and attitudes to their children, passing on their poor financial skills to the next generation. This could also mean that they are unable to contribute to their children’s education, limiting future opportunities.

  1. Health and Lifestyle Consequences

Poor financial choices can also lead to poor health outcomes. It can also inhibit your ability to purchase a home, start a business, or pursue higher education.

  1. Limited LIfe Choices

Lack of financial skills will inhibit your ability to enjoy a more fruitful life. If you are not living within your means then overseas travel, further education, and starting a business will all be out of reach. Certainly, people who have no savings whatsoever are not fit to be in business because if you cannot even manage your own money then the lack of financial management will mean certain failure for the business.

“Financial literacy is not an expense, it’s an investment in your future.”

About this article

You may use this article as content for your blog/website, or ebook. Read my other articles on www.robertastewart.com

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.

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The Saving Habit

Make Saving a Habit

If there is one financial habit which will get you ahead it is this one…

Saving!

Why you must develop the savings habit

It is not how big your pay packet is, what counts is what you do with the money. Irrespective of your financial situation, it makes economic sense to save a portion of your income regularly. the mains reasons for saving are;

1-For unexpected emergencies such as car expenses, the washing machine breaking down, or dental bills.

2-To put aside money for your retirement.

3-Holidays or wedding expenses.

4-study expenses

5-Home repairs.

6-To save for a deposit for a home.

7-Saving for a car

8-Saving for a business

Consequences of not having any savings

If you do not have any savings of your own then if an unexpected emergency crops up such as the car breaking down then you may have to borrow the money to pay for repairs and every time you borrow money, the interest you pay means that you are always paying a higher price for goods and services bought with borrowed money than someone who always pays in cash.

Saving money requires you to live within your means and to live modestly. Good savers will not purchase items brand new when they can find the same item in a charity shop at a fraction of the price. 

Your choices will make or break you

Every time you make a choice there will be consequences, good or bad. The key is to make enough good choices to succeed and to minimize your bad choices. It is important to keep your eyes and ears open to what is happening around you and listen to wise people who have succeeded in their chosen field. Having said that, you must row your own boat and discover your own calling in life.

Joining your country’s retirement scheme.

Many countries around the world have their own retirement savings scheme where a portion of your gross income is invested in that country’s retirement fund and your money cannot be withdrawn until you reach retirement age which varies between different countries. (In New Zealand it is currently 65)

Accumulate investments.

It is a good idea to not only have a retirement fund but invest in various areas to increase your financial knowledge. The share market, managed trusts, and fixed term investments are all well worth getting into.

Don’t place all your eggs in one basket

Don’t under any circumstances place all of your eggs in one basket. There is no guarantee that a particular company will not go under irrespective of how solid it appears. After all, if a company is in trouble, its directors are hardly going to shout it out from the rooftops are they? During the economic downturn around 2008, many people lost a lot of money in failed finance companies and the tragedy was that many of these folk invested their entire life savings into the one company. In other words they placed all of their eggs into one basket. The number one rule is to spread your risk. Divide your money among several different companies. That way you stand a far better chance of protecting your financial assets.

About this article

You may use this article as content for your blog/website or ebook. This article is of the writer’s own experience and may not be applicable to your personal circumstances.

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7 Differences between a good and bad money manager

7 Differences between a good and bad money manager

Written by R. A. Stewart

The only reason why there are different outcomes in life is because people make different choices.  Therefore if you want to change a particular outcome you need to make different choices. The earlier in life that you start to make good choices the better your life will turn out to be.

Here are seven differences between a good money manager and a bad money manager. 

A good money manager will:

  1. Save something from their pay packet while a bad money manager will spend everything so that they have nothing to show from their labours. Saving a portion of what you make will make your life easier in the long term because you will have something to fall back on when some unexpected bill crops up.
  2. Invest their money while a bad money manager just leaves their money in an ordinary savings account waiting for it to be spent. A good money manager develops their financial literacy by participating in the markets while investing. There is a cost to ignorance and this is true with matters of personal finance.

a bad money manager remains financially dumb because they do not improve their financial literacy by participating in the markets.

  1. Read books on money management and personal finance. A good money manager will improve their financial literacy by reading books on personal finance. A bad money manager remains financially dumb because they do not improve their financial literacy by participating in the markets.
  2. Learn from their mistakes. A good money manager will acknowledge their mistakes and learn from them. A bad money manager will not acknowledge their mistakes and will repeat them over and over again.
  3. Have a vision. Good money managers have a plan for the future. A bad money manager looks no further than the next payday. Having a vision means that you are prepared for unexpected expenses when they crop up. Having a separate account for emergencies is an example of this. This is often referred to as a rainy day fund.
  4. Take responsibility for their decisions and do not blame others for their mistakes.

Some people make it a habit to blame others when things don’t go well for them as is often the case in life. They will ask others for advice and when they follow it there will be someone to blame if an investment does poorly.

  1. Make wise choices.

This is not necessarily in relation to what someone does with their money but major life decisions such as the decision to have kids and how many kids to have and what to spend their money on. Rich people use their discretionary money to build their wealth while poor people fritter their money away on consumables. The only way to build your wealth is to spend less than you earn and invest the surplus. This is a simple formula which has made others wealthy. 

About this article: You may use this article as content for your blog or website. Visit my site www.robertastewart.com for other articles.

If you like this article then maybe you will like this ebook

 

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Book Review: Think and Grow Rich 

Written by R. A. Stewart

Think and Grow Rich by Napoleon Hill is one of the world’s best selling self help books and has been for over 70 years.

Napoleon Hill had spent twenty years compiling information for the book and during that time he interviewed the most successful men in history to learn how they acquired their fortunes. 

He reveals the one sure way to overcome all obstacles, achieve any ambition, and bring success to any life.

It is all a matter of knowing what you want and having the desire to make your goals come true.

The book is not one that advises you where to invest your money but rather develops the kind of traits which have made others successful.

The subjects covered in this book are:

Thoughts are Things: Using the power of your mind to get whatever you desire.

Desire: Transforming your desire into concrete action

Faith: How you can rise to limitless heights if only you had faith.

Auto Suggestion: Train your mind to get amazing results with the use of auto suggestion

Specialized knowledge: Your education is what you make it, and you can find the knowledge that takes you from where you are to where you want to go. 

Imagination: This is what is required to turn your dreams into reality.

Organized Planning: How to use your master mind for success.

Decision: The ability to make decisions quickly will help you to achieve more.

Persistence: The ability to persevere is important.

Power of the Master Mind: This secret involves choosing mentors who are where you want to be.

Sex Transmutation: How women help men become successful, and how to take advantage of the ancient truth.

The Subconscious Mind: How your subconscious mind waits like a sleeping giant to back up every plan and purpose.

The Brain: How to use your brain more effectively.

The Sixth Sense:  How wisdom opens the door to the road to wealth.

 The Six Ghosts of Fear: Take inventory of yourself, and see if any remnants of fear stand in your way.

Weaknesses

While the book has its merits it also has its weaknesses, and one of these is that it does not take into account the economic landscape of today and the barriers which many people face in their day to day lives.

Conclusion

Think and Grow Rich is a classic for a reason and while it is no magic formula for success the steps to success explained in the book are a starting point for those wanting to learn the mental aspects of success.

Enjoyed reading this article?

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My Thoughts about BItcoin

Written by R. A. Stewart

Bitcoin is an alternative investment for those investors who do not mind the roller coaster nature of cryptocurrency. If you have the risk profile to be able to stomach the prospect of losses and are sensible in how you approach this form of investing then you can make money from Bitcoin as others have done.

Here are some things you should keep in mind:

1 Bitcoin has a short history

The disadvantage of a short history is there is less data to work with for making future predictions, but it should be kept in mind that past performance is no predictor of the future. Using the share market as an example, one can find companies that have made it through the 1987 sharemarket crash. This is a sign of resilience. No one knows how a future share market meltdown will affect the price of Bitcoin because it has not had to deal with such an event.

2 Something is only worth what others are prepared to pay

Bitcoin is only worth what others are prepared to pay, in other words, it is demand that determines its price. This rule also applies to other forms of investing such as gold, art, property, and the share market.

3 Only invest discretionary spending money in Bitcoin

Only discretionary spending money should be invested in Bitcoin. This is money you can fully afford to lose. Money in this category is money you spend on entertainment and hobbies. If you can transfer some of this spending money into Bitcoin, you may just make a bit of money. What I am saying is, you should never spend what you cannot afford to lose in Bitcoin. There is a saying,”Scared money rarely wins”.

4 Diversify

It is important to diversify with cryptocurrency investing as it is with investing in the share market, but just how does one do this when Bitcoin is the main player in cryptocurrency with Ethereum coming in a distant second. I am talking about investing with different crypto exchanges such as Coinbase, Blockchain, and Kraken. There  are a lot of others. A few have gone under which have caused investors to lose a lot of money.

5 Don’t get greedy

Greed is the downfall of a lot of investors. It is tempting to think, “If I invest my life savings in Bitcoin, I will make a killing by xxx date. You could also lose it all. Always remember that for every person who made such a killing there are others who lost their shirt. What usually happens is the one who made the killing will usually try the same thing over and over and give back those gains.

6 If there is an opportunity for capital gain

There is also the chance that you may lose. If you expect to never lose any money at some stage then Bitcoin is not for you. Bitcoin investing requires you to have the kind of mindset that can cope with the roller coaster ride which characterizes cryptocurrency otherwise you will panic when things don’t go as expected. Investing requires a cool head at all times, even when the newspaper reports tell you that you have lost your money. The truth of the matter is that newspapers do not always give you the full story.

I remember when the price of Bitcoin peaked in November 2021 then halved a year later. One newspaper article said, “Investors in Bitcoin have lost half their money.”

That is only true if you had invested in Bitcoin at its peak because if I had sold Bitcoin when the paper was saying, “Investors have lost half of their money,” I would still have received more money than my original investment.

About this article

The content in this article is of the writer’s own opinion and experience and may not be applicable to your own 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