Savings and Investments

The key to your financially comfortable retirement

Putting money away for the future is a key part of preparing for your retirement and achieving goals.

The most important part is getting that money working for you.  There are many things that you have take into account when you are making those investments decisions including, but not limited to:

1. How are you going to make money out of the investment?

2. How are you going to take money out of the investment? This is particularly important for 'locked in' investment schemes like syndicated property trusts and for residential investment property.

3. What is the after tax potential return? Your tax rate is likely to change when you stop working, and you should take this into account in your calculations.

4. What is the after inflation and fees potential return?  You need to take into account whether your investment return after tax, fees and inflation is a positive number.

Why bother with company visits when you are investing?

In 1987 I was fortunate enough to have the opportunity of working for a huge American Fund Manager, Fidelity Securities in their Australian Office.  It has set the ground for my understanding ofRead more

Spending one bitcoin = 330,000 credit card transactions

Bitcoin (based on Blockchain) and other crypto-currencies have the potential to change the world, but at present are still most useful as a speculative investment tool.  However, to created aRead more

Money Mules and Money Laundering

As a financial adviser, we have responsibilities under the Anti-Money Laundering/Countering of Financing Terrorism legislation.  You will see this when we require proof of ID, residential address aRead more

Our new look

The Moneyworks logo has been in lower case since 2005, and was green and orange from 2005 - 2015.  From 2015 we changed the logo up, adding the circular logo and swapping green for brown. With the Read more

Some comments on those 'wholesale investor only' property syndicates advertised in NZ.

It has been difficult to get investment returns from 'income' investments, with term deposit rates being so low (and virtually no returns on ordinary bank accounts.  Although interest rates areRead more

Corporate Controversies that Defined 2021

ISS ESG is the acronym (or brand) for Institutional Shareholder Services and its ESG (Environmental, Social and Governance) arm. ISS a large international company that provides services toRead more

More changes for landlords - under the Privacy Act

Owning a residential investment property is a common way to growing your wealth in New Zealand.  However, over the last few years the obligations on landlords have increased significantly, withRead more

Do you really need $809,000 to retire on?

Every two years Massey University carries out an analysis of how much people need to have invested/saved to be able to retire.  The guidelines are based on various assumptions, and as usual, it isRead more

Climate Laggards and Leaders - the poor performance of listed companies

In our big Ethical Investment Analysis project we have found that it is difficult to get information on Carbon emissions from our fund managers that are in a consistent format.  This is a good exampRead more

Sustainable investing, Climate Change and Sea Level Rise

Climate change threatens 1.1 meter sea level rise before 2100 unless climate change is tackled. Analysis by the International Panel on Climate Change (IPCC) makes the prediction in its ‘Special RepRead more

Flood risks and insurance being withdrawn

Fire & General insurance (or house, contents, car, boat insurance) is different to life insurance cover.  Life insurance (trauma, income protection etc), are a contract that you enter into and itRead more

Insuring your e-bike

Well, I did it. Having heard from my clients about how much they loved their e-bikes I bit the bullet and purchased my commuter e-bike.  The plan is to use it to commute to my lectures in HamiltonRead more
 

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