Which 'C-Word' describes your approach to retirement? Compassion, Comfort, or Confidence? If you have kids, and parents still alive, you're aware of the need to make good choices your money earlier rather than later. Retirement is a finite period of time to make sure your life is as awesome as it can be. With the
When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as the bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more
18th century French economist, Richard Cantillon observed that those closest to the money printer, benefited the most financially. Governments, banks, businesses, and asset owners like you and me, can take advantage of the Cantillon Effect too. How? We invest. Investing works, because the money’s broken. It doesn't sound 'right', and how can money be broken
Can you trust KiwiSaver? Are your investments 'safe'? Should I be cautious using a smaller KiwiSaver provider? Before you can reap the benefits of investing, there are essential steps to take before you can fully embrace its potential. Let’s explore these steps: 1- Earning Money: Work is the foundation. Whether you’re passionate about your job
Imagine the young child saying goodbye to their parent at the start of the day. From a childish perspective, it doesn't matter where mummy and daddy go - as long as they come back. Have you ever wondered about the incredible journey our dollars go on after we decide to make an investment? Perhaps it
When should you pay off the mortgage, and when should you invest? Â Over the last few years, this question rolls around frequently on social media. Â One view suggests that mortgages should be eliminated ASAP. The benefits include not worrying about interest rates, and the ability to invest larger amounts of money into assets
The Reserve Bank of New Zealand (RBNZ) has seemingly been on a quest to 'bring down' the property market over recent years, in conjunction with our previous government. The Credit Contracts and Consumer Finance Act (CCCFA), higher taxes for property investors, increased interest rates, and stricter deposit requirements via Loan-to-Value Ratio (LVR) restrictions have all
If you’re prepping for, building up, coming in for a landing or even already there – you need to keep an open mind. How open? Somewhere in between concrete conviction, and a mind so open everything falls out. If you want more, do more. If you want different –think different. If things have become hard
I know a lot of people in 'building mode' want to make the best use of what they have – Is this you?  Are you trying to get some income ready for when you’re not working any more?  If so, be prepared for a couple steps forward, and the odd step back too.
In a world where we're often told what to do and what to accept as normal, it's easy to fall into the trap of aiming for "good enough." Take passive index-fund investing for example. I do a bit of this myself. We're told through not-so-subtle marketing, that the 'data says'. The data says it's impossible
