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,...
Jan 17, 2020 | Interest Rates, Retirement
In Credit Suisse’s 2018 Global Wealth report, New Zealand was ranked the world’s sixth richest country. Only the US, Belgium, Switzerland, Norway and Australia ranked above us. This works on average wealth per person of course, and there are big differences between...
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...
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...
