On the way home – How to build a dream house deposit portfolio
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On the way home – How to build a dream house deposit portfolio

All, Investing education

On the way home – How to build a dream house deposit portfolio

On the way home – How to build a dream house property portfolio

The Kiwi dream of home-ownership remains a potent force in the national psyche and a key driver of real financial decisions.

Admittedly, the New Zealand property market has moved on somewhat since the hallowed era of the ‘quarter acre block’ and the cheap-as-chips suburban bungalow. But if the dream has been down-sized, the real estate reality appears further away than ever for the latest generation of Kiwi house-shoppers.

A long period of rampant house price […]

By Mike Heath|2022-09-15T13:45:47+12:00July 26th, 2019|All, Investing education|0 Comments

How to get your assets into gear for retirement
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How to get your assets into gear for retirement

All, Investing education

How to get your assets into gear for retirement

Investing success – It’s all about strategy.

With an aging population and the arguable sustainability of NZ super, saving for retirement is moving from a ‘nice-to-have’ to a ‘must-have’, which of course is a massive source of long-term anxiety and a big driving factor among Kiwi investors.

Whether you’re investing for retirement or for some other purpose, designing fit-for-purpose investment portfolios remains one of the most challenging tasks facing DIY investors.

Investors need structuring principles to guide product choices within their […]

By Mike Heath|2022-09-15T13:47:20+12:00June 27th, 2019|All, Investing education|0 Comments

‘We’re here for a long time, not just the good times’ – Fisher Funds

‘We’re here for a long time, not just the good times’
– Fisher Funds

Dal Jandu – Senior Wealth Management Adviser, Fisher Funds

We’ve all heard of the saying “here for a good time, not a long time” and some may have used the expression on more than one occasion, whether it be a quote, singing along to Trooper (for the younger readers!) or in a meme.

When it comes to your investments, can the same be said? That comes down to your personal situation […]

By Mike Heath|2022-09-15T13:48:26+12:00June 24th, 2019|All, Investing education|0 Comments

Spreads – Why they’re fair
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Spreads – Why they’re fair

All, Investing education

Spreads – Why they’re fair

When shopping around for funds to invest in. You’ll likely get to a point where progressing with a fund choice might come down to fees.

A common mistake we see investors making, when comparing Managed Funds side-by-side, is assuming that funds with buy and sell spreads (fees) are more expensive than funds without them. In this article we explain why this isn’t true, and in fact, why buy and sell spreads help to stop investors experiencing hidden costs, and create transparency around […]

By Mike Heath|2022-09-15T13:49:58+12:00May 31st, 2019|All, Investing education|0 Comments

AEOI, CRS and why it’s vital you keep your tax info updated

AEOI, CRS and why it’s vital that you keep your tax residency information updated

Following increasing global concern about money laundering and international tax evasion, highlighted by leaks such as the Panama Papers, New Zealand joined the OECD and many other countries in committing to a new global standard (the CRS, or Common Reporting Standard) on the automatic exchange of financial account information (AEOI). This information is required by law to be collected by financial institutions, including InvestNow, and reported to tax authorities around the world, who exchange this information to ensure […]

By Mike Heath|2021-06-21T17:43:12+12:00May 31st, 2019|All|0 Comments

Above benchmark: how indexing has grown up

Above the benchmark:
How indexing has grown up

Vanguard Group founder John C. Bogle in 2014

Passive products are on track to break another benchmark record this year in a move that could see indexers take majority control of the US equities fund market.

According to a late 2018 Bloomberg report, data from research house Morningstar shows passive US share funds grew market share from 45.7 per cent in November 2017 to 48.1 per cent 12 months later.

“They’ll top 50 percent in 2019 […]

By Mike Heath|2022-09-15T13:51:48+12:00April 29th, 2019|All, Investing education|0 Comments

Smartshares – Access to ETFs for New Zealand investors: When is 0.34% cheaper than 0.04%?

Access to ETFs for New Zealand investors – When is 0.34% cheaper than 0.04%?

by Smartshares, April 2019

Passively managed Exchange Traded Funds (ETFs) are becoming more and more popular among Kiwi investors as a way of gaining cheap access to global shares. Passive ETFs offer low cost, liquidity and broad diversification. In addition, there is decades of evidence to show that passive funds deliver better after-fee returns than the vast majority of actively managed funds.

We are delighted to see the growth in investor interest […]

By Mike Heath|2019-07-29T13:03:34+12:00April 17th, 2019|All|0 Comments

Swimming lessons from McDuck: why custody shouldn’t be a mystery

Swimming lessons from McDuck – Why custody shouldn’t be a mystery

Scrooge McDuck loved to splash with cash, swimming solo in the deep, impregnable bank vault that housed his money.

The famous image of McDuck diving into his millions is typically interpreted as greed cartoonified.
But the loaded old duck had his reasons.

As the second-richest fictional character of all time – worth US$33.5 billion, according to Forbes magazine – McDuck clearly put a high value on two of the most important features of money: liquidity and […]

By Mike Heath|2022-09-15T13:54:36+12:00March 28th, 2019|All, Investing education|0 Comments

Sober investing tips: how to handle volatility

Sober investing tips – How to handle volatility

Sober investing tips: how to handle volatility

InvestNow members are generally glass half-full types.

Looking back at the last quarter of 2018, over 90 per cent of investors didn’t spill a drop as share markets served up another round of volatility; about a third of InvestNow members even took the opportunity to top up their portfolios as equities staggered downwards.

But if October left investors stirred, not shaken, the final two months of 2018 threatened to tip them off-balance. The last month of the […]

By Mike Heath|2022-09-15T14:03:36+12:00February 28th, 2019|All, Investing education|0 Comments

Going global – Tax tips and traps for local investors

Kiwis like their offshore travel.
According to the latest data from Statistics NZ, almost 264,000 New Zealanders jetted overseas during October 2017 – up about 33,000 compared to the previous October and close to 100,000 above the figure for the same month in 2007.

Perhaps that familiarity with the foreign is why Kiwis are also happy enough to ship their money to global destinations, unaccompanied. Figures from the Reserve Bank of NZ (RBNZ) show the wholesale managed funds market consisted of […]

By Mike Heath|2022-09-15T14:04:30+12:00November 27th, 2018|All, Investing education|0 Comments

On the way home – How to build a dream house property portfolio

How to get your assets into gear for retirement

Investing success – It’s all about strategy.

‘We’re here for a long time, not just the good times’ – Fisher Funds

Spreads – Why they’re fair

AEOI, CRS and why it’s vital that you keep your tax residency information updated

Above the benchmark: How indexing has grown up

Access to ETFs for New Zealand investors – When is 0.34% cheaper than 0.04%?

Swimming lessons from McDuck – Why custody shouldn’t be a mystery

Sober investing tips – How to handle volatility

Going global – Tax tips and traps for local investors

‘We’re here for a long time, not just the good times’
– Fisher Funds

Above the benchmark:
How indexing has grown up