Hi all.

Just a bit of background on my position. About to turn 35, married, no children (none planned - had the snip, so any unplanned ones will be rather awkward ). Over the last couple of years we have sold everything we own and changed our lifestyle, where we are basically full time backpackers travelling the world. Current plan is to do this until we no longer enjoy it, so may be 5 years, 10 years, 20 years... who knows? Currently we've been in Asia since February.

I work remotely and after living/travel expenses, we are currently clearing about $1500-2000 a month to save/invest. Currently have around $6000 in Superlife (more on this below), $3000 in a Kiwisaver scheme and about $320,000 in savings. Obviously there is little return on the savings, and I am planning on moving it into investments over time. My appetite for risk is moderate - I am happy to invest in shares, but I currently don't have the time to do the serious research required for hunting down individual shares to invest in and I am happy with what ETFs offer. I may possibly look at a rental property at some point next year, but I am not currently that interested in the current ratio of "rental/capital return vs stress/hassle of being an overseas landlord".

6 months ago I decided to get "skin in the game" with the share market and set up a Superlife scheme putting in $1000 a month. I went for Superlife due to the low(ish) fees and the ability to drip feed monthly. I tried to spread my investment a bit, and went with the following breakdown:

NZ Dividend ETF - $150 pm
NZ 50 Portfolio ETF - $250 pm
NZ Property ETF - $150 pm
Aust Property ETF - $150 pm
Aust Midcap ETF - $100 pm
US S&P 500 ETF - $200 pm

As is to be expected, some of these have done better than others, but I am in it for the long-term and happy with that spread so far.

I want to up my contribution to $2000 (or just over) per month, and was hoping some more experienced folk could run their eyes over it and make any recommendations or suggestions at other options to look at. I will provide a brief explanation of my thinking for each of the changes:

Increase NZ Div ETF by $250 pm - I like the thought of high dividend shares, both for the returns coming in and them being a bit less volatile.
Add Aust Dividend ETF $200 pm - as above, but diversifying into the Oz market as well


Increase Aust mid cap $100 pm - I want to increase investment into the Oz market - happy to change this one, as the dividend one above is obviously increasing exposure to Oz already. Put my choice of Aust mid-cap over the other Oz options down to a newbie doubling down on his currently best performing investment, as opposed to anything particularly scientific


Add Emerging Markets ETF $150 pm
Add Europe ETF $150 pm
Add Asia Pacific ETF $150 pm

The 3 above are simply for diversifying into other markets. Emerging markets has a question mark due to it having higher fees than the other options. Asia Pacific is actually a fairly narrow scoped ETF, with almost 60% of it in Japan (and 17.5 which is yet more investment in Oz).


Increase NZ Prop by $150 pm
Increase Oz Prop by $150 pm

These two I would like some advice on. I want to diversify into property at some point, preferably without sinking all my money into a single rental property. Are these property ETFs really achieving that, or are they considered more like "just another share" (albeit in a different sector)?

Are there any other ETFs that people would recommend adding/replacing any of the above?

These are the ones available via Superlife: http://superlife.co.nz/investments/investment-options

I am also happy for advice on other investment areas to look at (in a year or so I may have the time/inclination to "do my own research" on individual shares, but they aren't really of interest right now).

Thanks in advance!