Emerging Markets – What to expect next…

Investors in emerging markets have had it rough in recent years, but the outperformance of China and technology stocks could be a reason to hope. Emerging markets stocks make up 12% of the global stock market. Thirty years ago, these stocks spoke to less than 1% of...

Great Expectations

The Financial Services Council published a report December 2017 about what it is like and what it could be like for New Zealanders when they retire. The key findings were: Nearly all older New Zealanders will be living on the NZ Superannuation pension alone after just...

Why does Life Insurance have to be so complicated?

It’s not complicated; it’s specific to the individual. There is no one-size-fits-all solution as no two of us are the same. The simplest way to think about it is that it replaces the economic value of the individual to the family. So, if the insured person becomes...

Food for thought – Principles of Adult Behaviour

Digital rights activist, farmer, and occasional ‘Grateful Dead’ lyricist John Perry Barlow died earlier this year aged 70. When he was 30, Barlow wrote a list of 25 Principles of Adult Behaviour. The duck hunters among us may take umbrage at number 11, but there’s an...

KiwiSaver – The first 10 years

From a fledgling scheme in 2007, the brainchild of Sir Michael Cullen has grown to accommodate 2.8 million members. When launched on July 2, 2007, no one expected the scheme to be as popular as it has been. KiwiSaver was dreamed up by Sir Michael while on his summer...
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