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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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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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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Tax issues - please note and change where relevant

We are coming up to the end of the 2021 Financial and Tax Year (on 31st March), and there are few things that we thought you should be aware of.   New Marginal Tax Rate from 01/04/2021If your income is over $180,000, from 01/04/2021 there will be a new marginal tax...
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Buy Now - Pay Later - What could go wrong? Well...

Showing my age, when I was a teenager, if I wanted to buy something, I needed cash, or I could do this thing called 'lay-buy'.  You found your item and the shop put it aside and you made regular payments.  When you had paid it off, you got to take the item home and...
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Online romance scams

There was a recent article in the New Zealand Herald (premium subscription) headed up ‘Catfished: Kiwi loses $840,000 to online romance scams’. This was the largest reported loss in a long term romance scam, but it is reported that nearly $19 million was lost to online f...
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