Beyond Term Deposits

In May, the Reserve Bank lowered the official cash rate to a record low of 1.5%. They signalled a possible further drop to 1.25% and an expectation that the inflation target point will increase to 2%. Over the past 10 years inflation has averaged approx. 1.5% The...

Planning The Journey

Canstar recently carried out a survey of 2500 individuals in which two-thirds of participants said they do not have a long-term savings plan and only 1 in 4 think banks are a good place to go for financial advice. Not planning for the future is like driving in a...

The Green Investment Market

Recent climate change publicity provides the ideal introduction to a discussion about the worldwide increase in socially responsible investing (SRI). This growing trend especially appeals to millennials, who want their money to be invested in companies with a strong...

Financial First Aid

According to a Merrill Lynch American survey, 80% of parents today provide some financial support for their adult offspring. In fact, they spend twice as much on their grown children as they do on saving for retirement. Half of parents said they are willing to draw...

Surviving Volatile Markets

In the last quarter of 2018 and early 2019, investment and KiwiSaver portfolio’s lost value due to volatility in markets.  Over the last three months they have regained most of the lost value and as there have been no flashing headlines you may be unaware. ...