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,...
Oct 11, 2019 | KiwiSaver, Retirement
As an organisation, BWT Financial Limited chooses to work with Booster for KiwiSaver as the sole provider. I often get asked about the fees on Booster KiwiSaver Schemes, and so have put the current information in what I hope is a clear way below. A number of people...
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...
May 9, 2019 | Interest Rates, Investment, KiwiSaver
With the official cash rate in New Zealand being cut to an all time low of 1.5%, how will KiwiSaver and investment returns be impacted? Firstly, lets look at the direct impact of a lower interest rate on KiwiSaver. Only a very small proportion of...
