在新西兰如何省钱
Firstly nothing is 100% safe, you have to constantly evaluate, diversify, insure & be ready to make changes.
Safest
1. House / Clearing Debt (reduce mortgage / revolving credit / credit cards / student loan)
2. Bank Cash Accounts (diversify (2+) across banks who have friends/insurers with lots of money. eg: if kiwibank failed, the government ‘under pressure’ would have a very high probability of bailing them out)
3. Insurance (income protection for job loss or rental property income, hedge investments)
4. Government Bonds (diversify per asset allocation)
5. Private Safe
6. Asset Allocation plan (eg: 50% spare money to clearing debt, 25% $ to ?, $1,000 in safe)
7. Fixed Income funds
Riskiest
1. Putting all money in one place, even a bank!
2. All stocks (global down market trends)
3. All rental property (even if buy cheap, still need a tenant)
4. All term deposits & un-secured bonds (inc banks because they use other companies like ING) is the extra 2% really worth 75% risk of 100% loss?
5. All secured deposits (perhaps with a utility who is well capitalised)
6. Man in a Hat’s boot - sorry mate!
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