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As the Minimalist…
If saving was a sport, you'd be at the top of the podium. You're smart with your money (some might say cautious), but you’re just thinking long-term, ready to wait out any financial storm.
Risk repeller
You like to be the one making decisions about your finances. Keeping your cash close to your chest.
A wise wallet warden
Knowledge is power, and you’ve learned you can never be too safe with your money.
Slick saver
A savant in saving, you’re good with your money and you know it.
Your traits in action…
You’re on the sure path to saving as the Minimalist. You’re confident in managing your money and have a keen eye on monitoring your incomings and outgoings. By not being overly impulsive you save yourself from unnecessary spending, suggesting simple tastes and a good head on your shoulders for thinking money decisions through. Saving is your superpower but since you’re constantly focused on building your bank account, you are highly averse to taking any risks for fear that you may lose out. Some passive strategies and more diversified investments may be just what you need to make your money work a little harder.
Steps to help a Minimalist grow
1
TAHI
Get prepared
Build your resilience with a starter emergency fund, or a more robust safety net that will get you through it all.
2
RUA
Consider investing
Putting your money to work – not just you working for it – can be a big part of your future.
3
TORU
Tackle your ‘later risk’
Risking money is not pleasant, but not growing your money enough in the long term won’t be that comfortable either.
Our recommendations for Minimalists
Tool
Investor profiler
Find an investing strategy that suits you best. As you put your money to work, how much risk is right for you? It depends on your personality, situation and the timeframe you’re investing for. Build your investor profile here.
Tool
KiwiSaver fund finder
Whether you are looking for a new fund or just want to see how your current one compares, this tool rates them all and lets you see how much you could pay in fees over your entire KiwiSaver experience.
Guide
How to start investing
Investing is all about buying things that put money back into our pockets. Sound intimidating? It’s really not. Those of us who have a bank term deposit or are in KiwiSaver – we’re already investors!
Guide
Types of investments
Investing is the best way to grow wealth and get our money working for us – but how? There are many kinds of investments out there, each with its own level of risk and return.
Blog
#WTFinance is inflation on about?
An inflation explainer as prices rise and your buying power falls
Blog
How happy is your spending?
As you make your money choices, focus on what gives you the most emotional payoff.
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