Really disappointing to see that Spotifys ts and cs will no longer support Mighty devices. Anyone got an alternative to use Spotify with a tiny device like the Mighty?
I'm hoping someone will help direct my families investment strategy. Idea is to have very comfortable retirement from around 2055. I feel like financial advisors are more interested in lining their pockets with fees, rather than supporting mine!
Below are current investments, but interested in hearing people's thoughts on redirecting non kiwisaver and capital mortgage repayments into US ETFs as the FIF $50k/$100k cost limit looks very enticing. I could alter payments to invest up to $620 total.
Currently investing:
Salary 1: 3.5% + employer match into Kernel Kiwisaver ($70k balance)
Salary 2: 3.5% + employer match ($40k balance)
$200 weekly into kernel Global 100 ($8k)
$200 weekly into kernel high growth ($8k)
$50 weekly into S+P global dividend aristocrats ($2k)
$50 weekly into milford aggressive ($7k)
Have additional AU$7k in former employers share scheme and $7k in kernel ESG but no longer contribute.
We have 2 properties:
OO: $1.5m value, $1.07m mortgage, $920 per week interest and $600 capital.
Rental: $1.0m value, $579k mortgage, $520 interest, $170 capital, $700 per week rent. We likely will look to offload this in the next 3 years.
Thank you.