For me at this stage, it's just Kiwisaver and my savings account. I'm thinking of buying some shares as well, but not too sure I want to bank on it as a source of retirement funds. In saying that, I've been looking at Sharesies and it's easy enough to chuck some spare cash at it that I don't care too much about. Like, I've been having thoughts such as "instead of caving in and buying this pizza, I could buy some shares instead". Just a bit concerned that if I start doing that, I might turn it into a habit. Maybe I need some proper financial advice on how much money I should set apart from my income for this, and draw a firm line somewhere.

[–] absGeekNZ 3 points 1 year ago

I use sharesies, after other platforms in the past. It is great, super easy and gives access in a very simple way to Australia and US markets. You start with a strategy, but if you change investment strategy the barrier to change is low.

Be prepared to watch the markets go up and down; because they do...a lot...think in terms of years not days/weeks and generally things work well.

Even putting pizza money a week into saving/investments adds up.