Should New Zealand Superannuation continue to exist as it is?

Moneyworks was established in 1997, which was the same year that the referendum on compulsory superannuation was held as a result of Winston Peters negotiations to form a Government.  This referendum confirmed the role of New Zealand Superannuation as a political footba...
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​ Sustainable Investing - Climate Change and human activity and how investing can help slow down change

At Moneyworks we use the shorthand terminology 'Ethical Investing' to cover a range of investing styles that can also be referred to as 'Sustainable', 'Responsible', 'ESG (Environmental, Social, Governance).  One of the main things that these 'ethical' investments have ...
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​ Banks being held responsible for fees, conduct and lending practices

Our banks are an integral part of our lives and pretty much hold us hostage with their fees and decisions, unless we choose to be part of the barter economy, or become self sufficient, we will always have to have an involvement with banks. Over the last year we have seen ban...
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How to retire - well, how to get ready to change your life

Our byline on our logo is 'Helping you get to and through retirement - ethically'. Yes, this is mainly about making sure that you have enough money to enable you to retire, and that if something happens before you have enough money, that you have insurance to step in to make...
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Should Adult Children be able to challenge their parent’s wills?

You will have seen the headlines in the media about families at war over their parent’s wills.  The arguments of the Green family (https://www.stuff.co.nz/business/industries/82480390/divorce-possible-in-family-of-business-magnate-hugh-green) , the saga of the Supreme...
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Dow Jones over time - interesting illustration

If you have been investing for some time - even it has just been in KiwiSaver, you will know that markets go up and down in value depending on market events, but over time they do increase.  This is one of the things that we spend quite a bit of time talking to our clie...
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Cyber Security issues and protections are getting far more important

As your financial adviser, we work with you to reach your goals, in particularly to get you to and through retirement - ethically (for those who want ethical investments).  But a big risk to your financial security is if you have a cyber attack or have your identity sto...
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Abuse of people knows no limits

We all know the stories of people being abused within closed doors, and New Zealand has the Family Violence Act (was Domestic Violence Act) to recognise the harm that abuse incurs. Email and social media are common tools used by abusers, but it was shocking (to me) to hear a...
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Do you know what is in your insurance policy?

Fair Go and the media regularly cover situations where insurance companies don't pay out on a claim.  Having been an intermediary between insurers and the insured party for 25 years, we have seen very few claims not paid out. The key is to ensure that you disc...
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Some interesting things that we have read or listened to recently

This post is a little different, as it doesn't have a commentary on these articles, but they are interesting articles that might be worth a quick look at: How to dismantle the Absurd Profitability of Nuclear Weapons (2019, but still interesting)Boom: 88 KiwiSaver Funds inves...
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