วีดีโอ

Glad it was useful!

Thank you! Will keep that in mind for future videos :)

Hey! 👋 thank you! To the best of my knowledge there isn’t. The only advantage kiwis have when it comes to dividend investing is through local PIE funds. Hope that helps!

Thanks Brent 🙏

Sorry I'm not sure I follow. Would this be a cell which captures all instalments/interest with a due date after [current date]?

@ yeah, I suppose so. what I have currently is the estimated total (what I’ll have paid in 10 years including interest) minus what I’ve paid. Which is still useful, but if I pay _over_ my monthly installment then that estimated total is going to change, making the rest of my numbers inaccurate

I don’t make recommendations. This video shows the Vanguard funds with the highest dividends, that one talked about a popular investment portfolio allocation. Two different topics

@@BrentColeman my apologies, I understand now. Thank you for explaining.

No worries! 😊

LOL

Australia is the only country with franking credits.. you just need to be smart in the way you invest and not be a trader

No problem 👍

Woo! That’s awesome! 🤩

What ETF if any did you use?

Hey! You have a couple options - Aus small caps you could take a look at VSO, and for global take a look at VISM on the ASX. Hope that helps!

@ thank Brent!

Haha don't know anything about that, but it's quite a skill to take a $12 stock down to <$1. I was involved in the Manuka Health sale back in 2018, sold for hundreds of millions, Comvita is now down at $60m 😅

This video is just showing the highest dividend Vanguard ETFs at the present time - portfolio allocation is a separate topic all together

@BrentColeman Agreed...it's part of the picture though. I don't think it pays to look at aspects of an investment in isolation.

Hey! These numbers are based on the twelve month trailing dividend payments (TTM) and the market price as at 8th December. As the price changes daily, so too would the yield, so day by day the yield will drift up and down. Since inception figures would look at all the dividends since 2009, and annualise those against the 2009 price. Hope that helps!

Haha just noticed! Will keep in mind for future videos!

You can just key in each of the recurring payments into the extra payment column, then see the term reduce at the bottom of the schedule. Let me know if that doesn't work!

Sorry not sure what you mean by layering in defaults?

@@BrentColemanThanks for the quick response. I’d like to know how to model a scenario where we would also add a 2% default rate (as an example) to the assumptions you have in your exercise; so 2% of the loan balance is not repaid at the end of the term. Not sure if this would be relevant for home mortgages, but I wonder if this is an assumption that one could be asked to factor in for a different type of loan.

@@MADMIKE-w1z If I understand correctly do you mean a loan balloon at the end of the term? You could calculate payments and interest components throughout the loan with the PMT and IPMT formulas, using a [FV] of 0.02*LoanSum. This would give you a 2% balloon on the loan, and the schedule should not amortise to zero in such a case. Hope I understood that correctly?

Glad it was helpful! There have been a couple changes since the video was made, as two of the top cards reduced their reward points (TSB and AMEX). ASB also launched new card with no annual fee, which I recently made a video on!

It's certainly on the higher end - when I went to the US and Dubai however, NZ definitely comes in cheaper. Numbeo can be a great resource (most of the time!) for comparing! www.numbeo.com/cost-of-living/

It depends how much you're investing. You'd need to calculate the fees under both and work out which is better. With Sharesies, they have their subscription plans which could make sense for dollar coast averaging and auto-investing.

@@BrentColeman already in sharesies but thinking of Hatch now. Probably doing $50 per forthnightly is it still worth doing Hatch? Thinking of VOO.

Hey! Goldie don't offer this option as they hold their bullion in 1KG bars, split into fractional 0.1g units. You can sell your portion at the prevailing rate as you wish.

Thanks for the support!

Completely up to you! It depends on whether you want a greater exposure to Australia or International Shares.

@@BrentColeman Ok thank you. I'm really enjoying your videos. I've subscribed.

Hey! I use the Airpoints Platinum card. With my spending and the $70:1AP rate of return I definitely make full use of it each year. The airport lounges and other benefits are useful too

Those are my two credit cards right now

@@BrentColeman Gotcha ! Thank you :)

@@BrentColeman I just got my Airpoints platinum card approved today. Thanks to you and your guidance. :) apart from daily groceries, petrol, etc and the airpoints mall website, any other way of making more points on this card?

Glad it was helpful!

Just a heads up, if you're coming to NZ, our housing market is in the toilet, prices are through the roof (more than most western countries), and rents are too, with heavy competition with other renters. Maybe it's better then where you are, maybe not, I would check. Also our job market is very slow at the moment too. Probably the worst time to come to NZ, but best of luck :)

Hey! The video covers most points, but to look for jobs Trademe and Seek are common websites to search on. Employers here are looking mainly for skill sets not already in the country, so make sure you have skills that command a premium in market

@@BrentColeman Thank you Brent for your reply, are there any hidden website for job search. Could I request you to please guide me to find some of the best and well know recruitment agencies please. I did an exhaustive search, but they cater for Non-IT jobs. Please help and suggest

@@sushilgul not to my understanding, Trademe and Seek are the most popular.

Up until 200 years ago, New Zealand was covered in vast construction hardwoods like Kauri, and even today has a massive logging sector. Wood also holds up better during earthquakes, it insulates better, and probably a few other reasons I'm not sure of!

Hey! I'm not quite clear here. So the loan is amortising over 20 years, but there will be a larger than normal instalment after four years? The [future value] is only at the end of the loan. You'll need to create a 20 year schedule, and then include an extra payment after 4 years, and you'll see the term of your loan shorten. Please let me know if that wasn't quite right for what you're trying to recreate.

I just used my Wise Visa Card in Mumbai, Delhi, Agra, Jaipur, Kolkata and Indore. PayTM would have been useful!