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 portfolios and influence their investment strategy; Because, as […]

By |2019-06-28T15:59:02+12:00June 27th, 2019|Uncategorised|0 Comments

Spreads, it’s the fairer way to go

A common mistake we see investors making when comparing funds is the assumption that funds with buy and sell spreads are more expensive than funds without them.  In this article we unwrap why this isn’t right, and in fact why spreads work to remove investors experiencing hidden costs.

Ins and outs of fund traffic: why buy/sell spreads are fair

Traffic is busy […]

By |2019-06-27T16:55:01+12:00May 31st, 2019|Uncategorised|0 Comments

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

AEOI, CRS and why it’s vital that you keep us updates about your tax residency

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 […]

By |2019-07-01T09:56:48+12:00May 31st, 2019|Uncategorised|0 Comments

Above 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 if the current trend holds,” Bloomberg said at the time.

By |2019-04-29T12:58:42+12:00April 29th, 2019|Uncategorised|0 Comments

Smartshares – 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 in ETFs. However, based on feedback we receive from investors and financial advisers the […]

By |2019-05-07T09:25:27+12:00April 17th, 2019|Uncategorised|0 Comments

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 security.

Unlike mega-wealthy Disney characters, though, most people don’t have the […]

By |2019-03-29T15:06:07+12:00March 28th, 2019|Uncategorised|0 Comments

AMP Capital – A short guide to Passive, Index and ETF Investing

In this note we provide an overview of the group of investment vehicle types termed “passive”, “index”, or “Exchange Traded Funds (ETFs)”. These are often lumped together in media reporting,and while they have some features in common, there are several important differences that it is important for investors to understand.

This paper does not discuss the arguments for and against active versus passive funds management, but explains the key consequences of adopting a passive, indexed approach, whether that is implemented via a […]

By |2019-04-30T14:34:18+12:00March 20th, 2019|Uncategorised|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 year, in particular, […]

By |2019-02-28T13:18:55+12:00February 28th, 2019|Uncategorised|0 Comments

Cost, confusion, complexity: what Cullen’s CGT means for fund investors

21 February 2019 – Anthony Edmonds, MD Implemented Investment Solutions 

The Tax Working Group (TWG) proposals released this morning would skew New Zealand investors away from local assets, distort the KiwiSaver market and mangle the portfolio investment entity (PIE) regime if introduced, according to the founder of the country’s largest direct-to-consumer managed fund platform.

Anthony Edmonds, InvestNow founder, said while the TWG final report includes some welcome reforms, overall the capital gains tax (CGT) recommendations would add cost, complexity and confusion […]

By |2019-02-22T09:14:45+12:00February 22nd, 2019|Uncategorised|0 Comments

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