Mar 28, 2020 | Investment, KiwiSaver, Retirement
You are sitting in your nice, new, comfortable home. You purchased it intending to live there indefinitely which, given your health, you figure is several decades. Just as you are taking it all in, you hear a knock at the front door. Opening the door, you see...
Mar 17, 2020 | Investment, KiwiSaver, Retirement
Check Your Sources Review the source of your information. Do they have the right agenda, or are they trying to sell advertising space with click bait? We are hearing a lot about “market crashes” and “plummeting markets”, but we heard...
Feb 17, 2020 | Investment, KiwiSaver, Retirement
Budgeting is the core to every financial plan, but we all hate doing it. Being on a “budget” can feel restrictive, and often is often not very successful as a result. I have read a number of books and papers on budgeting over my years as an adviser,...
Nov 20, 2019 | Investment, Retirement
New Zealand is considered to have a simpler tax structure than jurisdictions such as the UK, Australia and the USA. As a result, less attention is generally paid to tax as it relates to investment portfolios. However, as advisers there are a number of things we can...
Sep 17, 2019 | Investment, KiwiSaver, Retirement
As you probably know we are big fans of Behavioural Finance. It’s a field that is designed to explain how people actually make (mainly irrational) decisions with money. Dr Richard Thaler of the University of Chicago wrote a book that discusses in amusing detail how...
Aug 16, 2019 | Interest Rates, Investment, KiwiSaver, Retirement
Firstly, I want to point out the title of this article. Had I titled the article, “What is an inverted yield curve and why does it matter?” would anyone actually have been interested in reading it? Because I mentioned recession and hinted that we might be on the brink...
