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@ciel interesting, i was "strongly disagree" on almost every one that had that as an answer ;)

@cited The management fee is 0.07% and the buy/sell fee 0.5% you cant just add those and compare to TWF's 0.4% management fee. The Foundation fund will be a lot cheaper in the long run due to the lower management fee,

@cited https://investnow.co.nz/fund-foundation-series/ 0.07% not 0.7% for the Foundation Series Total World Fund

@in_jesus_i_trust What about Foundation Series Total World Fund, also just invests in VT, multi rated PIE, 0.07% fee, plus %0.5 buy/sell

@nolanj well off the top of my head ... tax - everything in this sphere is different, what is taxed, how its taxed, tax free and taxed accounts etc. retirement - 401k, IRA, vs kiwsaver government superannuation in nz is quite different from the us Social security. ETF's -tax efficient in...

@nolanj I probably read a dozen finance books a year, i'm a bit addicted. But 99% are written for an American audience, so be super careful applying that to NZ. But the only one book you should need to read is A Random Walk Down Wall Street (Burton G. Malkiel)

@mrhopeful Wont be cheap, but an account in their asap, to start collecting data and formulate a plan. At the same time get to a lawyer see if your can get a EPA or similar to have a better legal standing on all the accounts