My son is starting to get into video games. In many games, you have the option between playing on “easy mode” or “hard mode”. Sometimes I think we unnecessarily put our lives on “hard mode”,...
One of the most valuable exercises I run through with clients is “flawcasting” their financial future. It’s one thing to create a personal balance sheet setting out your existing assets and liabilities, and getting an...
In theory, there’s no difference between theory and practice. In practice, there is. In theory, I like the idea of funds that adjust your investment approach (asset allocation) based on your age. The idea...
I’ve met a number of people who’ve made a decent amount of money from property investment. I tip my hat to each and every one of them. Below is a consciously arbitrary, tongue-in-cheek, categorisation...
I caught up with an old friend recently. He asked why more people don’t borrow money to invest. My first thought was that people borrow money to invest all the time. It’s called property...
(When I talk about embracing “supermodels”, I’m actually talking about embracing “super models”. As in, all Kiwis should care about the policy settings relating to NZ Superannuation. If you were expecting something more salacious,...
The most important thing to get right when investing in financial assets is asset allocation.”Asset allocation” refers to how your funds are invested across different classes of financial assets, such as shares and bonds....
If you’re looking for a financial adviser, one of the best places to start is Mary Holm’s list of financial advisers. She doesn’t endorse these advisers, but they meet minimum criteria that mean their...
I like Simplicity’s range of investment and KiwiSaver products. It’s no secret that I’ve recommended Simplicity products to many of my clients and continue to do so. I’m delighted to hear that Simplicity now...
I’ll start this article with a prediction. At some point in the future, the sharemarket will go down. It might go down in a big way. Phew! I said it. What exactly did I...