Investing Without Risk

Investing Without Risk

As every investor knows, there is no such thing as a completely risk-free investment, and the lower the investment risk, the lower the investment return is likely to be. The challenge for investors is to strike the right balance between risk and return, to find investments that give a reasonable rate of return with an […]

Continue Reading
Sunset Years

The Sunset Years

As the saying goes, there is nothing more certain in life than death and taxes. The minute we are born we are on a gradual path towards the inevitable, while paying taxes along the way! Around the age of eighty people start to become conscious of their mortality. Beyond this point, a traumatic health event, […]

Continue Reading
Knowing When to Retire

Knowing When to Retire

Choosing the time to retire is a key life decision that some people find extremely difficult. No doubt we can all think of someone who has stayed in the workforce a bit too long. There are a number of reasons why people can be reluctant to retire. Worries about not having enough money to retire […]

Continue Reading
Track your Goals

Getting Back on Track

Here we are half way through the year, with distant memories of summer, the start of the New Year and all those resolutions that were made. In the middle of winter, everything seems like a hard grind. In the darkness and cold it is easy to let go of promises made to get fit, lose […]

Continue Reading
Feeling Wealthy

Feeling Wealthy

The concept of wealth is a mind-set rather than a number. There is no such thing as a threshold of net worth which, once exceeded, defines you as wealthy. Quite simply, you are wealthy if you feel wealthy. Research shows that most people feel they are not wealthy regardless of their net worth. Robert Frank, […]

Continue Reading
OLYMPUS DIGITAL CAMERA

Planning For Retirement

Your retirement years are around a third of your adult life and it’s worth planning ahead to make sure they are the best years of your life. Approaching retirement age is a bit like running up to the finishing line after a marathon race. A big spurt of effort is needed just at a time […]

Continue Reading
Rainy Days

Rainy Days

At this time of year it is a good idea to prepare for rainy days. That’s not just the wet stuff! Rainy days cause problems with our financial affairs as well, hence the old adage about saving for a rainy day. These days we are ever conscious about insulating our homes and putting in efficient […]

Continue Reading
Community Foundations NZ

Investing Forever

New Zealanders have always been good at giving to others. Whether it is selling sausages, baking for a cake stall or running errands for elderly neighbours, most Kiwis pitch in at some stage in their lives to lend a helping hand. Our generosity is also to be seen on collection days for charities and in […]

Continue Reading
KiwiSaver Fees

KiwiSaver Fees

There has been much talk lately about KiwiSaver fees and the impact this has on the value of KiwiSaver funds over time. Simplicity KiwiSaver is a recent market entrant which prides itself on low fees and uses this as a selling point. The Financial Markets Authority (FMA) has recently changed the way in which KiwiSaver […]

Continue Reading
Good Times

Make the Most of Good Times

Life has seasons. There are good times and bad times, and the changes are often caused by factors outside our control. At a personal level, our health, employment status and family relationships can all work either in our favour or against us. At a higher level, the economic state of the region we live in, […]

Continue Reading
Lessons From Your Garden

Lessons From Your Garden

If you want to know how to manage your money and create wealth, look no further than your garden. The principles you use to create a beautiful, flourishing garden are exactly the same as you need for wealth creation. Let’s say you are starting with a bare piece of land to create your magnificent masterpiece. […]

Continue Reading
Balance

Get Your Financial Balance

Managing money is more of an art than a science. There is no right and wrong when it comes to managing money. It is simply a matter of finding the right balance. That means looking at the choices you have and the consequences of each so as to achieve a compromise between competing objectives. Everybody’s […]

Continue Reading