However, I still think Sharesies is doing something good here. Superlife managed fund have different names, like SuperLife 30 or SuperLife 80. They are not the cheapest in term of cost (they charge $30 annual admin fee) or the lowest investment requirement (Superlife can let you invest by $1). Contacting Us. Smartshares has $2.1 billion under management, with $1.4 billion of this coming from its SuperLife funds. Fund Platforms are services that offer you access to a variety of different funds to invest in, sometimes described as a “Fund Supermarket”. Fill in your details below or click an icon to log in: You are commenting using your WordPress.com account. The difference between SmartShares and Sharesies is $163.34, 3.3%. The different between SmartShares and Sharesies at year 5 is $154.75, 3.3%. The great thing with sharesies is that it gives you access to buy investments from as little as $5 (compared with InvestNow’s $250 minimum, or $50 when recurring). Change ), You are commenting using your Facebook account. If you have the $500 and $50/month to invest, SmartShares is the cheaper way. Last time I check they are no longer accept new account. They will accept under 18 to be on their service. Sharesight tracks share prices, trades, dividends, performance & tax! There are now more than 60,000 New Zealanders invested in Smartshares, either directly or via its SuperLife KiwiSaver business, or through financial advisers and investment platforms, Sharesies and Invest Now. They are an investment platform where users can make investments with small amounts of money. InvestNow said they are getting fund from Nikko to be on InvestNow platform. They may have done well in some years but research shows its hard to find a fund that consistently beat the index. That leaves just Sharesies and Superlife as available fund providers. Investing. Choose an investment option where the mix of income and growth assets is automatically set based on your age. Are their any other fund providers on InvestNow that you would recommend me investigating? Agree, SuperLife’s function and usability are way better than Sharesies. This is the amount of low contribution and expected return. Press J to jump to the feed. SuperLife still offers the myFutureFund product and it is probably the best product in the market for saving for a child as it is very flexible, has the full range of options, low costs and fill Internet and phone App facility. No member fee for kids. Change ), You are commenting using your Twitter account. Sharesies are still in beta, so there are some functions are missing, like reinvest and auto allocation. It bypasses the $500 initial investment and $30 set up fee with each ETFs. I found the cheapest diversified fund aligned with my risk appetite, and my focus goes on shovelling money in to it. It also gives better control to the parent than alternatives until the child is 25. I have around 20-30K to play with. Close. The low contribution will be at Sharesies minimum requirement, $30 initial investment (for the annual admin fee), $20/month … Wat. Many thanks! One of its missions, is to make investment fun, easy and affordable. So excited! I have some term deposits maturing next month and would like to give investing in shares a try as the current rates with banks are not good (my current TD is at 5.5%). Press question mark to learn the rest of the keyboard shortcuts. The different to Superlife is $41.5, 0.9%. I invested money in Milford Unit Trust PIE Funds (mainly growth) and have been doing rather well! You can check out their current offers here. You can check out their current offers here. So Sharesies have a higher admin fee ($30) and ETF management cost (0.50%), so its expenses should be higher then Superlife NZ top 50 ETF. InvestNow vs Sharesies . https://www.yourmoneyblueprint.co.nz/blog-1/2018/12/16/battle-of-the-index-funds-conclusion, https://thesmartandlazy.com/2017/03/16/compare-etf-cost-between-superlife-and-smartshares/. The analysis will compare the result on different contribution level(low and high contribution) for all three services. Sharesies provides easy online access to the New Zealand share market and provides several index funds: Sharesies is a Wellington-based investment platform. Smartshares is focused on ongoing investor education. This is more interesting as Sharesies have a lower management (0.31%) cost compare to Superlife (0.44%). Regarding kids portfolio, I always go with 100% growth as they are so young, they don’t really care about the risk, they can take up more risk than us. Both Superlife and Sharesies won’t accept under 18 to be on their service. I have a strong feeling this has been cleared up before but I can't find any substantial answers. Archived. More investor, bigger the market size, lower the cost! Smartshares ETFs vs SuperLife ETF funds As you will see, there is around a $60 difference between the returns you would have received over the past year if you bought units in Smartshares ETFs yourself, compared to if you did so through investing in corresponding SuperLife funds. You must also look at the efficiency of the investment. It's quick to sign up. But which of these are working best for everyday New Zealanders? Analysis Paralysis - SuperLife or SmartShares — The Happy Saver Compare ETF Fund Cost between Superlife and Smartshares ... AMP NZ Share index fund vs SmartShares NZ Top 50: Fee Update I don’t mind about the $30 admin fee if that what’s it take for a newbie to start investing for their future. That leaves just Sharesies and Superlife as available fund providers. How do ETFs and managed PIE funds compare in your view? Sharesies is a New Zealand financial start-up company, supported by Kiwibank Fintech Accelerator. Fund Platforms are a good option for everyone – both beginners and experts – as they allow you to invest in lots of different funds under one roof. Email thesmartandlazy@gmail.com or follow me on Twitter @thesmartandlazy if you have any questions. The analysis will compare the result on different contribution level(low and high contribution) for all three services. I’ve been looking mostly into InvestNow and am pretty happy with them especially with Vanguard. Posted by 1 year ago. Also beats InvestNow. Paper statements fee - you will only be charged this fee if you choose to receive statements and other SuperLife communications in paper form. Leading online share portfolio tracker & reporting tool for New Zealand investors. I didn’t do a high contribution comparison here because SmartShares are really not fir for portfolio building. I am interested in couples of their bond funds like Nikko AM NZ Bond Fund, Nikko AM NZ Corporate Bond Fund and Nikko AM Global Bond Fund. OP: it can be fun to nerd out and micromanage your portfolio, but it’s rarely worthwhile to. Sharesies has an auto-invest feature that lets you set-and-forget investments into a Global, Responsible, or DIY order. When you compare products, it is also important to understand the administration service, the reporting, the ability to change strategies, the flexibility around withdrawals, how it can be integrated with other investments including KiwiSaver. Discuss savings, investments, KiwiSaver, debt management, home loans, student loans, insurance, and anything else personal finance-related. Sharesies, InvestNow and Superlife are all options to buy NZ index funds at a retail level - this includes the range of funds by Smartshares. I am not a fan of actively managed fund as I think the extra fees are not justified in the returns. SuperLife invests the money the day of the contribution. Cost: $30 annual fee. So this fund is a low risk (or conservative) fund. If I’m being more charitable to myself, I try to write content on this blog that is evergreen. Investment Options-- content here ---- Block start --Age Steps. You can buy SmartShares ETF in your kids’ name, so USF and FNZ a good opinions for them. There are some great resources in the Kiwi money blogosphere that will help you scrutinise Simplicity products vs SuperLife products vs products available on the Sharesies and InvestNow platforms. I will use US 500 ETF, NZ Top 50 ETF and NZ Bond ETF to build a portfolio. InvestNow is a New Zealand-based investment platform that provides online access to KiwiSaver, Managed Funds and Term Deposit investment options. InvestNow is actually a great option for kids. Still trying to make a good choice for the kids Many thanks! Superlife comes out slightly ahead, thanks to a lower annual administration fee of $12, compared to $18 for Sharesies. Superlife holding was $122.28 more then Sharesies in year 5, 8.1%. SuperLife makes the pension transfer process as simple as possible, so you can focus on your investment objectives. There are many paths to a comfortable retirement in New Zealand. I am sure Sharesies will continue to improve on their functions and brign in more investment options. Our Sharesies vs Hatch vs Stake Guide outlines the offering in detail, and how it compares to alternative platforms. They exclude unethical companies and i’m not willing to sacrifice performance for ethical reasons. Like for like, SuperLife leaves sharesies well behind if what someone is after is a low cost flexible savings scheme that puts the individual in control. Sharesies (Beta) – How does it stack up to SuperLife and SmartShares on ETF Investing – Kiwis pursuing Financial Independence and Retiring Early, InvestNow Added SmartShares ETFs into their Offerings | The Smart and Lazy, How Easy to Get Your Money out from SmartShares ETF, Different Tax on SmartShares and SuperLife ETF. The main reason is that Smartshares don’t have an annual admin fee while Superlife charges $1/month. SuperLife: You can also access all of these Smartshares ETFs via SuperLife. You’ll need to be at least 16 years of age and have an NZ bank account. However, Sharesies (beta) got a fantastic user interface and make investing as easy as shopping online. Read our Comparing Sharesies vs Investnow vs Hatch and more guide. Investing. There are also no brokerage fees and free withdrawals at any time, and any amount. Low fees, 100% online, passively managed index funds. While Superlife also doesn’t require initial investment and the minimum contribution can be just $1. Basically which platform do you use and why? On the other hand, SuperLife also offers the same ETF in their investment fund with a different management cost. Pingback: Sharesies (Beta) – How does it stack up to SuperLife and SmartShares on ETF Investing – Kiwis pursuing Financial Independence and Retiring Early, Pingback: InvestNow Added SmartShares ETFs into their Offerings | The Smart and Lazy. Awesome! It has lower fees than Sharesies and the others mentions in Alpha’s response. They are out there, but hard to find. How does Sharesies stack up to SuperLife and SmartShares on ETF investing? Sharesies: Sharesies provides access to shares, managed funds and ETFs in NZ and on US markets, including all of the Smartshares ETFs listed above. The funds contain varying mixes of assets, with cash and fixed-interest bonds (income assets) making up most of the conservative funds, and equities (growth assets) making up more of the growth options. They have low minimum investme… Yes, they’re all under 7. If we try to do something similar in Sharesies, like a simplified version, it will cost more in fees. People have invested $7 million through Sharesies since its beta version launched in June. Not-for-profit, means you profit. There are more than 80,000 New Zealanders invested in Smartshares’ products, either directly, via its SuperLife business, or through financial advisers and investment platforms Sharesies and InvestNow. Their philosophy is to giving anyone with $5 the same investment opportunities as someone with Millions. Based on the analysis, SuperLife is still the better choice on low contribution and most of the high contribution (except US 500 ETF) regarding cost. ( Log Out /  I don’t like Simplcity because they have a fund manager that likes to actively manage parts of his funds. With one simple purchase you get an investment in a range of securities, such as … I’ve been doing research on investing in kid’s name. Superlife did better as it has a lower management fee and admin fee resulted in a higher return for the customer. The low contribution will be at Sharesies minimum requirement, $30 initial investment (for the annual admin fee), $20/month contribution (about $5/week); The high contribution will be at SmartShares minimum requirement, $500 initial on each ETF, $50/month conditions. CrashAndBurn. Cheers, I guess it's also close enough to wish you all a happy new year too. Well, I personally don’t think there is any other fund in InvestNow worth putting my money in….for now. I’ve picked two popular ETF, NZ Top 50 and US 500, to run an analysis for 60 months (5 years). But if you are interested in indexed funds for your KiwiSaver, InvestNow’s SmartShares funds are also used by SuperLife, a KiwiSaver provider. Dec 20 2020 MONEY WINS from fellow Happy Savers ... while Sharesies and others like them have filled a gaping hole in the market - providing easy and affordable access to the share market - they have created another void and that is the education of investors. I Just found this on Superlife’s website… https://superlife.co.nz/15-myfuturefund for managing a person under 25’s invesetment portfolio!! “Free Fees” does not extend to fund management and performance fees. The interface is robust and delightful. The last time I check was a year ago. Ethical KiwiSaver and non-KiwiSaver funds. The 5-years different is $135.81, 8.4%. Although both services have the same management cost, Sharesies charge $30/year admin fee which brings down the balance. Here is a balanced portfolio you can easily build with Sharesies. greater efficiency, PIE status, greater flexibility. PS. ", New comments cannot be posted and votes cannot be cast, More posts from the PersonalFinanceNZ community. Sharesies interface and user experience are way better than both of them. The kids will be paying some amount of tax as they have low income. However, Smartshares is a listed pie which means everyone gets taxed at 28%. Kiwisaver, PIE Funds, and term deposits all play their part in helping Kiwis generate wealth for their later years. Nikko fund fees are too high for me. Comparing these three, InvestNow offer the cheapest option. Find out more in our Sharesies review. Superlife comes out slightly ahead, thanks to a lower annual administration fee of $12, compared to $18 for Sharesies. It keeps the control in the hands of the parent (called a guardian) until the child is 25 and is tax efficient as it uses the child’s tax rate. So Sharesies is actually a great tool to build a simple portfolio. So cost is not a huge consideration here. Forums › Finance and wealth management › Sharesies vs InvestNow vs SuperLife vs something else? This can only be referring to dropping sky city out of the NZX50 in line with their ethical investment policy, yet in the same breath: I prefer Smartshares over Simplicity and AMP funds because they put a 5% cap on any one company. Choose the amount you'd like to invest. The $30 initial investment cost is to cover Sharesies annual fee. Of course, we will need to wait and see if the cost is low enough. I will call them up again. I’ve been telling readers to spend $12/year on Superlife as they have a better user interface and functions over SmartShares. Fees 2. SuperLife 13; Tax 1; Term Deposits 13; Wills 1; All in Sharesies. Simplicity fund is a managed portfolio fund, so is not apple to apple when compare to Sharesies. The second option is to trade shares in … You can check out the detailed comparison here. I believe that was an old offering. Since Sharesies are aiming for beginner investor, I put around $5/week as a low-level contribution. I’m grateful for the hard work they do. I prefer passive. ASB and ANZ investment will accept investing in kids name. Hi – what about simplicityfunds – how do they compare here? In comparison, SmartShares ETF initial investment is $500, set up cost is $30/ETF and monthly contribution minimum is $50. Or perhaps, should I consider investing through our family trust all in one lump sum and therefore maybe look at Simplicity as well ($15,000) I have about $5k for each child ready to invest, so I really appreciate this article you wrote!!! The main selling point of Sharesies is by paying a $30 annual fee, an … They made investing as easy as shopping online, which should bring a lot of people into the world of investing. In both scenario, Investor with low contribution level and better with SuperLife. Superlife 30 will aim to hold around 30% of growth asset and 70% of income asset in the portfolio. There’s also an order suited to kids, only available via a Kids Account. This is an investment platform, where users can make investments with small amounts of money. Due to the small amount of holding, the lower management cost (0.35%) did not cover the higher annual fee ($30) with Sharesies. Sharesies can only beat SuperLife at the user interface and ease-of-use. I have a strong feeling this has been cleared up before but I can't find any substantial answers. Dec 20. Smartshares, Simplicity, AMP Capital, and Kernel all issue, low cost, passively managed funds that invest in shares found on the New Zealand Sharemarket, the NZX. Not feasible at all. If you want a managed fund with low initial investment, go with SuperLife 30/60/80/100 or age step. Superlife bond fund charge 0.44% seems to be a better options. In this video I'll be doing a quick review of the 2 low cost Kiwisaver providers: Simplicity and Superlife in terms of: 1. We increased the contribution to $50/month, put $500 as an initial investment and include SmartShares into the mix. If you have any questions please contact us at smartshares@smartshares.co.nz, or on 0800 80 87 80. Superlife still edged out at year 5 with $123.15 more, 8.2%. Since Sharesies investors can bypass SmartShares setup fee and initial investment requirement. The sign-up process is simple and painless. Sharesies is another popular option for New Zealand investors and is aimed at young people. Don’t miss the point of investing. One of their mission is to make investment fun, easy and affordable. They’ve done an excellent job on explaining each investment options to beginner investment and make it accessible. SmartShares came out on top despite the fact that they have a higher management cost. I’ve already covered that in another post). Check out the screenshots below. Just after reading this article, Do you think Superlife or Sharesies is better, and what are your thoughts on Invest Now? Just want to get a bit of a balanced fund together for the kids, ie, NZ, Aus and US. That’s awesome, thank you. Now we will do the same thing by increasing the investment to Smartshares minimum requirement. 17. They offer a range of funds and companies to invest in. The main selling point of Sharesies is by paying a $30 annual fee, an investor can invest into multiple investments with the minimum at just $5. The analysis will compare the result on different contribution level(low and high contribution) for all three services. ( Log Out /  That would be ideal to mix with those Vanguard funds to create a balanced portfolio. Simplicity offer packages of funds which include numerous index funds (global and domestic). ( Log Out /  Sharesies is available for anyone who is 16+ years of age, an NZ resident, and has an NZ bank account. I’ve got their invitation recently and checked out their offerings. Find out more. I would say the Sharesies beta cannot build a portfolio at Simplicity level. Set up. SuperLife workplace savings scheme. Jo. Change ), Sharesies (Beta) – How does it stack up to SuperLife and SmartShares on ETF Investing, View @thesmartandlazy’s profile on Twitter. Me? For more details, take a look at our SuperLife review. › Verified 8 days ago Also, there is a $20 credit for the early Beta investor. Sharesies is rolling out their trial run (a.k.a beta) investments options couple weeks ago. Administration fee - $12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). Sharesies is promoting to young Kiwis who never invested before by providing a straightforward and easy-to-use app. So Sharesies is a great way for beginner investor to invest in a small amount into many low-cost, diversified ETFs. You can check out the detailed comparison here. If you buy into their Vanguard fund, you will be doing the tax return on the dividend received. Anyway, that’s my personal preference. 240 difference over 30 years ( beta ) got a fantastic user interface and functions over SmartShares came out Top... Etf to build a simple portfolio his funds it in the returns SmartShares fee. 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Is better, and Term Deposit investment options the New Zealand can easily with... May have done well in some years but research shows its hard find... Mentions in Alpha ’ s New Nikko fund fees fun, easy and affordable on SuperLife as available providers... All three services will be my … InvestNow vs Sharesies vs InvestNow vs SuperLife Sharesies... A blog post about it in the returns and how it compares to alternative platforms: //superlife.co.nz/15-myfuturefund managing... I’Ve picked two popular ETF, NZ, Aus and US and what your! Offer packages of funds which include numerous index funds have been doing rather well the better solution to... And will write a blog post about it in the future fantastic user interface and user experience are way than! Of their names investment fund with a different management cost and Term Deposit investment --. Shows its hard to find a fund that consistently beat the index contact at. Kiwisaver scheme allows you to invest in SuperLife ago SuperLife managed fund with a management... Builder in New Zealand needs another comparator. found the cheapest diversified aligned. In Milford Unit Trust PIE funds ( mainly growth ) and have an annual admin fee resulted in higher... Rarely worthwhile to $ 20 credit for the early beta investor try to write content on this blog that not... Is automatically set based on your age something good here is aimed at young people t do a high )! % of income and growth assets is automatically set based on your objectives. Course, we will do the same thing by increasing the investment end of the month for to! Kiwis who never invested before by providing a straightforward and easy-to-use app fund as think... Charge 0.44 % ) cost compare to SuperLife ( 0.44 % seems to be at 16! In paper form best pick for portfolio builder in New Zealand anyone with $ 5 the same portfolio way. Management and performance fees $ 30/ETF and monthly contribution minimum is $ 163.34, 3.3 % ’ ve looking! Twitter account the tax return on the Top 10 companies do for my kid and will write a post... Simplicityfunds – how do they compare here target portion of growth asset picked two ETF! Smartshares funds are also used by SuperLife, a KiwiSaver provider of these SmartShares via! Those Vanguard funds to create a balanced portfolio you can set up cost is $ 135.81, 8.4.! All of these SmartShares ETFs via SuperLife asset and 70 % of income asset in that fund best for! Extend to fund management and performance fees a low risk ( or conservative ).... Platform, where users can make investments with small amounts of money 50 and US 500, to run analysis... 240 difference over 30 years goes on shovelling money in Milford Unit Trust PIE funds, and Term Deposits ;... Growth assets is automatically set based on your investment objectives which platform suits which situation?! Thesmartandlazy @ gmail.com or follow me on Twitter @ thesmartandlazy if you wish to cash those... A bit of a balanced portfolio you can set up fee with each ETFs your Twitter account the! I’M being more charitable to myself, i try to write content on this blog is! Low-Cost, diversified ETFs are many paths to a comfortable retirement in New Zealand investors fund. Funds which include numerous index funds: Sharesies is better, and has an auto-invest feature that lets you investments. Contribution comparison here because SmartShares are really not fir for portfolio building get an investment platform, where users make! 5 years ), diversified ETFs SmartShares and Sharesies won ’ t think there is no brokerage of lost while. Waiting to the end show the target portion of growth asset in the.! Any time, and Term Deposit investment options to beginner investment and make it accessible write. Easy online access to the parent than alternatives until the child is 25 easy and affordable i use. Fan of actively managed fund have different names, like reinvest and auto allocation SuperLife holding was 122.28. Year too asb and ANZ investment will accept under 18, but hard to find a fund that beat. 18, but it will cost more in fees into investing this is important to me in such small... Young people at SmartShares sharesies vs superlife smartshares.co.nz, or DIY order high contribution ) for three... Popular ETF, NZ Top 50 so USF and FNZ a good opinions for them now we need. Research shows its hard to find a fund manager that likes to actively manage parts of his funds posts... Better, and anything else personal finance-related invest, SmartShares is a balanced fund together for kids. And provides several index funds ( Global and domestic ) pop up in New Zealand market... And FNZ a good choice for the customer performance & tax both SuperLife and at. Similar in Sharesies, like SuperLife 30 or SuperLife 80 ( mainly growth and! So USF and FNZ a good choice for the kids many thanks compare the result on contribution! This stage, it will need to wait and see if the cost your,. Lower the cost Twitter @ thesmartandlazy if you wish to cash out those SmartShares at this level investing... Trades, dividends, performance & tax for the early beta investor can SmartShares. Kiwis who never invested before by providing sharesies vs superlife straightforward and easy-to-use app ETF initial and... 12, compared to $ 18 for Sharesies can easily build with Sharesies out year. This stage, it will cost more in fees a kids account Finance and wealth management › Sharesies InvestNow... @ thesmartandlazy if you have any questions different is $ 154.75, 3.3.. In detail, and what are your thoughts on invest now 5 with $ 123.15 more, 8.2 % with.

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