u/CatSimulator

Kia ora,

M29. Sorting out my long-term financial goals at the moment and after reading, I've decided to move my Kiwisaver to Kernel from BNZ. I'm looking for long-term growth, wouldn't be touching this for a house most likely in the next 10years. Currently, my Kiwisaver is at 93k.

When going through the change process, it asks what funds do I want with my Kiwisaver plan. I've seen some people suggest the S&P500 (unhedged or NZ hedged?), global 100, high growth, and to try minimise exposure to the NZ market. Unsure really what to select, open to any advice/ explanations- essentially looking for the highest growth as possible at the moment.

Thanks heaps

Kia ora,

29M here, just have a few questions regarding different kiwisavers and general personal finance as I'm looking to grow my wealth long-term.

Current situation is:

- 93K kiwisaver

- 32.5k regular savings account

- 95.5k salary

- Student loan

- Paid 2.2k fortnightly after tax

- $1930 leftover monthly after all bills/ rent is paid for (will be $2210 after I pay my Invisalign off)

I feel I've been pretty good with my money after finishing uni. Now, I started to look into this when I was going through my kiwisaver annual statements the other week. As of March 2025, I am up 20k in my kiwisaver. This got my interest and I am wondering what I can do to grow this at a faster/ higher rate.

I see there are different kiwisaver schemes, and while I have looked between them, I still don't fully understand the difference between them other than the different rates- or is that all there is to it? People recommend Investnow or Kernel but I wouldn't have a clue what would be better for me or how it works in general. To be frank, I don't actually have any financial goals right now other than recently - to grow what I currently have. I was working this weekend catching up on some office admin and realised I would much rather an early retirement if possible than be doing this haha. My partner wants to buy a house ASAP, but I'm not really in the same boat at the moment, just want to grow my money so that's something I have to figure out at a later date.

With my leftover money after my monthly bills, I'm looking to put a lot of this into investing now rather than just have it rotting away in my everyday account. I'm leaning towards $1200 into investments per month and $600 into my regular savings (travel, anything else that comes up I may need to pay for) and the rest for recreation/ whatever I decide to do in my spare time.

With investing, I've been looking at index funds and ETFs but don't have a great idea. I see a lot of people saying VOO or VT so I've put some small amounts at the moment into that but I'm wondering if I should be doing anything else. Right now I have about $3,500 in my everyday I want to put in. I created an IBKR account recently, but was a bit overwhelmed with all the different things I need to do from conversion etc, so I've put that on hold and I just made a sharesies account to familiar myself with starting off with investing despite the difference in fees.

Any guidance/ advice would be really appreciated. Thanks heaps in advance!