Kiwisaver Changes

Kiwisaver changes effective 1 April 2019 The changes that have taken effect on 1 April 2019:  You have more options around the amount that you can pay into your KiwiSaver At present, if you are a salary or wage earner, you have been able to contribute 3%, 4% or 8% of your salary into your […]

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How to tackle debt

Debt is a drag on a person – both financially and emotionally With high interest debt, the costs of the interest payments make it extremely difficult to repay the principal of the debt, never mind the interest. There are 2 types of debt: GOOD DEBT and BAD DEBT Good debt is debt associated with an […]

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Keeping an eye on currency rates

The value of the NZ dollar against the US dollar has been headline news almost daily for the last few weeks as the NZD has fallen sharply against the value of the US dollar. Why is this so important? When the value of the NZ Dollar drops against another currency, it means that it costs […]

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What is credit risk and why does it matter?

When I am talking about fixed interest as an asset class, I often talk about credit risk as being an important concept when investing. In fact, it could be THE most important concept when investing in fixed interest and cash – particularly if you believe that these 2 asset classes are the absolutely secure part […]

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Why I’m excited about India

I first heard a presentation about the potential of investing in India about three years ago, and I was mesmerised India is the world’s largest democracy, and is likely to take over from China as the world’s most populous nation by 2028, according to UN calculations.   India is a young nation   In terms […]

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What the Australian Government Royal Commission could mean for us here in New Zealand

The Australian Government has commissioned a royal enquiry into the banking, superannuation and financial services industry in Australia and the enquiry began its hearing process in March 2018. The purpose of the Commission was to determine if there had been any misconduct in the financial services industry.  The Australian public were invited to make submissions. […]

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