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.

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.  ThisRead more

Should adult children be able to challenge their parents wills?

You will have seen the headlines in the media about families at war over their parent’s wills.  The arguments of the Green familyRead more

The Dow Jones turns 125 years old

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 isRead more

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 yourRead more

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 socialRead more

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 seenRead more

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 ProfitabilityRead more

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 whatRead more

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 - itRead more

Stuffing up NZ Super - make sure you get it right

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 poiRead more

Investment Markets - updated graph

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 moreRead more

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.Read more
 

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