Market Crash

Planning for a Market Crash

For a while now, there has been talk of a possible share market crash. Since the 2008 Global Financial Crisis, share markets have shown a strong upward trend, and we have forgotten what it’s like when returns are negative.  In the long term, share prices are driven by fundamental, objective measures such as company profitability […]

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Understand Your KiwiSaver

Understand Your KiwiSaver

A recent survey done by the Financial Markets Authority (FMA) for Money Week shows that we still have a lot to learn about KiwiSaver. Around 17% of people who took the survey didn’t appear to understand that funds with a higher exposure to property and shares have more ups and downs that cash and bond […]

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Spending not Saving

Focus on Spending, not Saving

There is no question that it is hard to save – and harder for some people than for others. While it might be prudent to save 10% of your income towards your retirement, not everyone has an income high enough to do this. A focus on saving often results in feelings of guilt, failure and […]

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Rainy Days

The New Retirement

Retirement is one of those words that is becoming less relevant over time and let’s hope it disappears from our vocabulary some time soon. These days, it is unusual for people to be working full time one day and not at all from the next day forward. It is much more common for people to […]

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Investing for Kids

Share Investing for Kids

One of the greatest gifts you can give your kids is to teach them about money. It has been shown many times over that while academic success can lead to higher paying jobs, it is financial capability that gives young people the ability to create wealth. The earlier you start teaching kids about money the […]

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Investing with a Conscience

Investing with a Conscience

Investing in managed funds such as KiwiSaver is a great way to save for retirement. For investors with small amounts or who wish to make regular, small contributions, managed funds offer a cost-effective, simple solution with diversification to help reduce investment risk. One of the disadvantages of managed funds is the lack of transparency around […]

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Rest Home Subsidies

Residential Care

One of the biggest fears for retirees is the prospect of ending life in a rest home, and seeing the family fortune eaten up by fees. While at any given time only around 5-7% of people over the age of 65 are living in residential care, statistics show that just under 40% of older people […]

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Young People (480x640)

What Young People Need to Know

The basic principles of financial success do not change over time. Despite this, younger generations don’t always take on board the lessons learned by their parents and grandparents. With age comes the benefit of hindsight and an understanding of the consequences of choices made early in life. These are the timeless principles that young people […]

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Money when you need it

Money When You Need It

There is nothing complicated about money; you either spend it or save it. Over the course of a lifetime it mostly gets spent, so saving is just money to be set aside for spending at some point in the future. This is a really important point, because in setting it aside there are two key […]

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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 […]

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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, […]

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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 […]

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