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...
“Past performance is no guarantee of future performance” Read the small print of any decent investment offering, and you’ll see something to the effect of “past performance is no guarantee of future performance”. This...
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...
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 “safe” investments like putting money into...
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 in New Zealand. However, the one...
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 Advisers (AFAs). One finding in particular...
The folly of predicting market downturns
6 Aug, 2018
How to calculate your asset allocation
16 Sep, 2018
21 Dec, 2017
When taking too little risk is risky
16 Jul, 2018
How to flawcast your financial future
8 Feb, 2019