Blog

Is cash better than a portfolio at the moment?

Is cash better than a portfolio at the moment?

  I have had a few people starting to ask me this question recently, so I thought I’d put something together that will help answer this for everyone. It’s a totally fair question and I understand why people are asking! We are currently in a high interest rate,...

Trust vs. Contracting Out Agreements

Trust vs. Contracting Out Agreements

Divorce or separation can be emotionally taxing, but it doesn't have to be financially devastating. Two primary tools at your disposal are trusts and contracting out agreements. In this article, we'll explain the differences between these options, helping you make...

Silicon Valley Bank – a lesson on bonds

Silicon Valley Bank – a lesson on bonds

Those following the news will have noticed that three US banks went into a government-controlled bailout this month, Silicon Valley Bank and two rival banks. Silicon Valley Bank was relatively big being one of the top 20 largest US banks. The Silicon Valley Bank was...

8 Steps to Getting Ahead Financially

8 Steps to Getting Ahead Financially

  1. Set some goals Where do you see yourself in the future? What are you trying to achieve? The most important start to getting on track financially is to know where you want to get to. You may want to: Retire early Travel lots Be able to help your children more...

What happened to bonds?

What happened to bonds?

  On November 15, 2020, the New Zealand Herald ran an article titled, ‘What negative interest rates would mean for borrowers and savers’. It said that the Central Bank was seriously considering negative interest rates as an option to stimulate the economy in the...

Why a downturn in the markets isn’t a reason to stop investing

Why a downturn in the markets isn’t a reason to stop investing

With KiwiSaver and investment balances dropping since the start of the year, there may be the temptation to reduce or even stop your contributions. Why would you keep putting money into something that was going backwards after all? Before making any changes, it’s...

Inflation is here, that’s why you own shares

Inflation is here, that’s why you own shares

  We’re not exactly sure of the recipe required to bake fast rising prices into the economy but we’re pretty sure of the ingredients. You will commonly need - disruptions in free-flowing trade shortages in goods surplus money in the economy, such as that provided...

You can’t put a number on happiness

You can’t put a number on happiness

“What is your number?” That is the catch phrase of a popular advertisement that runs and re-runs amongst financial advising companies. The premise is a good one, namely that they are going to determine how much you need for retirement and then aim to help you hit that...

Anchors: The influence of what you know, on what you don’t

Anchors: The influence of what you know, on what you don’t

Let’s say someone asks you a benign question such as, “Are there more or less than 100 countries in Africa?” What would your answer be? Most people would say, “less,” and they’d be right. You are then asked a follow-up question, “So how many countries are in Africa?”...

Online trading; can I do it myself or do I need advice?

Online trading; can I do it myself or do I need advice?

A question we’ve been asked quite a few times within the last year goes something like this, “So my son is investing on Sharesies. What do you think of them…?” It’s a great question and one we thought deserved an article of its own. Sharesies, Hatch and other digital...