Age Gap

Dealing with an Age or Health Gap

Retirement planning is not easy, and it’s made even harder when there is a significant difference in age or health status between two partners in retirement. It is not uncommon to have an age gap of ten or more years, or for one partner to have a life-threatening or debilitating illness. In these cases, the […]

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Have Your Cake

Why Retirees Needn’t Be Conservative Investors

Conventional wisdom says that once you are retired you shouldn’t take risks with your money. That’s good advice, however it doesn’t mean you need to be a ‘conservative’ investor. It simply means that if you invest in assets such as shares and property which have a high return but high volatility, you need strategies for […]

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Transition

Transition to Retirement

Compulsory retirement ended in New Zealand in 1999, and since then, the percentage of people over the age of 65 who are working has rapidly increased. It is estimated that 27% of men and 17% of women aged 65 or more are working – some through choice and some because they cannot afford to retire. […]

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Conflicted Advice

Conflicted Advice

One of the most contentious issues with financial advice is the way in which advisers are remunerated. There is a great deal of variation between advisers as to how they are rewarded for their services to clients and regulators struggle to achieve consistency and transparency of how much is paid by whom to whom. There […]

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Wow Factor

The WOW Factor

Baby boomers are not only getting older – they are getting wealthier. As they reach retirement age, they bring along with them a large amount of wealth that needs to be invested, spent, and finally bequeathed to their heirs or charity. One interesting aspect of the baby boomer phenomenon is the influence of gender. Not […]

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Invest in Cash

Invest in Cash

Interest rates have been low for some time now – great for borrowers but bad news for investors. Looking ahead, there are signs that interest rates will rise, albeit slowly. We have had low inflation, so leaving your money invested in the bank at a low rate hasn’t led to a loss of purchasing power. […]

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Moments That Matter

Moments That Matter for Women

International Women’s Day is a global celebration of women which occurs on 8 March every year. While women continue to make progress on gender parity, this year’s theme of #PressforProgress indicates there is still lots to be done. Women face a range of specific financial risks stemming from gender related issues – the gender pay […]

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Leverage

Leverage Your Way to Wealth

There are two ways to build wealth – the slow way and the fast way. The slow way involves saving and investing part of your income over a long period of time, in other words, building wealth using your own money. The key to building wealth faster is to use other people’s money; that is, […]

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Financial Freedom

From Financial Stability to Financial Freedom

Financial freedom is a concept that most people aspire to, but which few people understand and even fewer people achieve. The term financial freedom means different things to different people. For some, it means being free of debt, for others it means having a comfortable lifestyle without having to worry about money, but usually it […]

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Housing Related Poverty

Older People in Housing-related Poverty

The Government has recently released its report ‘Stocktake of New Zealand Housing’ which looks at homelessness and housing-related poverty. Undertaken by a team of independent experts, this report brings into the open the consequences of falling home ownership. A significant cause is the under-supply of housing; the number of houses being built has fallen behind […]

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Four Pillars

The Four Pillars of Retirement Income

There are several different ways to generate cash from an investment portfolio to top up your retirement income. Many retirees make the mistake of confusing cash with income and this leads them to invest in interest-bearing investments such as bonds and term deposits to supplement their superannuation. Yet interest is only one of the ‘four […]

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Silver Splitters

Silver Splitters

It is common for two people to stay in an unhappy relationship for the sake of children and because they can’t afford to split their assets and income in half. But is seems that now, the number of people who divorce later in life is on the increase. Known as silver splitters, they are over […]

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