How to calculate your asset allocation
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...
Tagged: investing
Should you repay your mortgage or invest?
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...
On Simplicity becoming cash flow positive
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...
When taking too little risk is risky
People sometimes tell me that they don’t want to take any risks with their investments. I have to tell them that all investments have risks. Even those supposedly...
Three ways to invest in financial assets in New Zealand
The purpose of this article isn’t to provide advice about whether financial assets are suitable for you, but to explain some ways you can invest in financial assets...
Where are people getting advice about direct property and what sort of advice are they receiving?
On May 24 I wrote my first “tweetstorm” (follow me on Twitter here). I made a number of observations about the FMA’s recent snapshot of NZ’s 1,800 Authorised Financial...
Are we on the road to ruin?
In this article, I use James Rickards’ book The Road to Ruin as a starting point for talking about predicting “The Future” (singular, rather than plural), “X risks” (or “existential” risks), and the challenges of trying to predict “worldwide financial meltdowns” (whatever that actually means).
Should I use my KiwiSaver funds to buy a house?
The NZ news media is on a run with terrible personal finance articles. There was the recent suggestion you need $101k by age 30 to have a comfortable...
Guaranteed income funds can’t offer you certainty
I was really pleased to see Lifetime Retirement Income develop a “guaranteed income” investment product in 2016. This was followed by Simplicity’s Guaranteed Income Fund the following year, which is available...
You DON’T need $101k by age 30 to have a comfortable retirement!
A recent headline from the NZ Herald: “Want a comfortable retirement? You’ll need $101k by age 30” The first paragraph: “People who want to have choices in retirement...
