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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Ethical Investing Update

As we have signalled, we are working on a big project this year to become internationally certified as Ethical Investment Advisers, and to be able to provide our clients with certainty over what 'nasties' they have exposure to within their portfolio.  This is an update ...
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No more cheques - technology has taken over

You may be aware that I am quite a fan of technology and adapt technological advances (in the belief that it will make my life easier, but we all know that technology brings its own challenges - it is always nice when it just works smoothly). Two months ago I destroyed all t...
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Stuffing up New Zealand Super

This blog post comes from an excellent article written by Rob Stock that highlights how easy it is to muck up your New Zealand Super entitlements.  Here is a link to the article. Some important points about making sure that you are aware of all your entitlements relatin...
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Investment Markets graph - updated

From time to time fund managers put together a wallchart for their advisers to hang in our offices for clients to see what has happened in investment markets over time. We feel that it is more useful for us to provide this to you to review and wonder over.   To dow...
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Is your PIE tax rate too high - going forward you can get a refund

A subtle change to PIE tax rules was delivered behind the scenes, which benefits investors.  If you get your PIE tax rate wrong and overpay your PIE tax, you will get a tax refund going forward. Historically - since PIR rates (Prescribed Investor Rates) and PIE's (Portf...
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