An investing rule of thumbWhen it comes to investing, I have a personal rule of thumb:If someone offers a high guaranteed return on an investment, I walk in the other ...

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Returns on savings accounts and term deposits are dismal at the moment. As I write this, interest.co.nz lists returns on 12-month term deposit rates from 0.5% to 1.35% (mean of ...

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It’s easy to think that you’re either spending money, or you’re saving it. You draw up a budget. You work out what you spend, and you save the rest. (Alternatively: ...

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Every time I work with a client, I make a bald statement of fact: If you invest in growth-oriented investments, there WILL be times when the value of those investments ...

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Investing actively is great! By this, I’m talking about putting your time, energy, talents, knowledge, and expertise into how you invest. On the other hand, investing passively is great, too. ...

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The idea that there is one specific way to invest, or to manage your financial affairs, is kind of weird. This might seem like I’m contradicting myself, since when I ...

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I was interested in this article on Stuff.co.nz two days ago: “MPs from all sides turn on Treasury, Reserve Bank and Labour over failure to act on housing”. It reminded ...

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Your balance sheet provides a simplified view of assets you own which you can sell relatively easily, and which you can put a relatively stable value on. It omits some ...

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When it comes to personal finance, asset allocation is really, really, really important. I talk about it a lot, because for most people it should be central to how they ...

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Finance is important. It wins wars. Modern finance is one of the drivers for the quality of life we currently enjoy. Money and our financial system enable us to enter ...

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I've watched loads of videos about how to improve my knife skills in the kitchen.My knife skills are better than they were when I was 20. But despite the hours ...

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April 2020 was the S&P 500’s best month in over 30 years. (Since January 1987, to be specific.) During that same month, tens of millions of Americans claimed unemployment benefits. ...

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Talking to newbies about investing is like explaining sex to a virgin. You can describe it, but you can't capture the full experience. When preparing an investment plan, it's necessary ...

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When I prepare a financial plan for clients, my report includes a simplified balance sheet, setting out their existing financial situation. A fairly typical balance sheet might look something like ...

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[I wrote this article before COVID-19 struck us. I’ve published this article, at the risk of being seen as tone-deaf, because the key point is relevant, in good times as ...

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