How To Invest Money In Shares
You want to know how to invest money in shares, and you might also be searching for how to invest in New Zealand, how to invest in stocks, or how to invest in Sharesies. These questions show a desire for clarity, yet most people wait far too long before they begin. They want certainty, and they want the perfect decision, but the search for perfection delays action, and delayed action slows progress.
This is why the simplest place to start is often a managed fund with your KiwiSaver provider. You already know them, and they already know you, so the process feels familiar and easy to complete. Familiarity reduces hesitation, and hesitation keeps many people from taking the first step.
Once you start, you build momentum, and momentum shifts your identity. You begin to see yourself as an investor, and this identity makes every future decision easier. As time passes, you gain confidence because confidence comes from action, not theory, and you start to understand how contributions work, how returns change, and how your balance grows. With that experience, you can explore how to invest in Sharesies or how to invest in stocks more directly, and you can refine your strategy with far more clarity than before.
My reasoning becomes clear when you look at an example. Imagine you want to start investing on January 1 and you plan to contribute $100 each week. Now imagine your KiwiSaver provider’s managed fund is not impressive. It returns 5%, while the best performing fund in the market returns 12%.
(By the way, you’ll only know which fund/provider is the 5% and which is the 12% in hindsight).
If you choose to start right away in the 5% fund, you finish the year with around $5,400. You can then transfer that money into a different fund after you complete your research and feel more confident throughout the year.
If instead you spend the entire year researching every platform, comparing every return, and waiting for the perfect fund before investing even $1, you end the year with $0 invested. You might have chosen the best fund, yet your balance remains at $0 because you delayed the action that matters most. 5$ of something builds your future. 12% of nothing builds nothing.
In you want to find out how to invest in NZ, your first goal is not to find the perfect fund. Your first goal is to participate. Start with a simple managed fund, choose an amount that fits your budget, and begin. You can adjust later, you can switch funds later, and you can improve your strategy later, but none of these improvements mean anything until you take the first step. Action builds wealth. Waiting does not.
Progress matters more than perfect timing. Small, steady action builds confidence and long term outcomes.
That is how investing works for you, the Maverick way.