Inflation Is Not Transitory: So is it a Bug or a Feature? Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. Once you hit zero then you realise,
I'm getting this question a lot lately, and it's understandable after a period of strong, rising prices, followed by a sharp pull back. For full disclosure, we've used property to build the majority of our net worth. Just because prices are down, there's no way I'm selling now. Why? Because there's no material change to what
Should you buy the dip, or sell the rip? By the time it takes for you and I to respond, chances are, the markets have already changed - hence why it’s so challenging to invest in the short term based purely on news cycles. So in this one, is Trump responsible for market corrections? Is
Imagine being over 65, and spending up to $3,000 a month more than what the government superannuation scheme provides. Where does that come from in your world? In a recent discussion with Ben Brinkerhoff, Head of Advice at Consilium in New Zealand, I explored seven critical questions that we need to address to ensure a
On March 5, 2025, Adrian Orr, Governor of the Reserve Bank of New Zealand, announced his abrupt resignation, cutting short a second five-year term that should have carried him to 2028. No reason was given—just a quiet nod to inflation tamed and a financial system still standing after years of turbulence. No mention of the
Risk: What does it really mean, and how much should you take? Risk in Everyday Life vs. Investing Think about the fun, non-financial things you enjoy—fishing, mountain biking, or even crossing the road. Each carries a chance of disaster: a shark attack, a crash, or a rogue bus. Yet, if the odds of total loss
Those who know me know that I'm not a fan of sports. In a moment of weakness recently, though, I watched 10 minutes of motorsport with one of my kids. Perhaps because it's pretty simple to understand, I'm happy to allocate a very small amount of my attention to it (and perhaps a bit of sailing).
I learnt a lot recently talking to Alasdair Macleod, about a perspective that centers around a systemic failure of the system of credit. What’s credit? Well, if Gold is money and everything else is credit, then effectively all representations of value we can trade outside of Gold is what we’re talking about. Turns out, quit
As we stand at the threshold of 2025, the New Zealand property market finds itself at a critical juncture. After weathering a significant storm that saw values plummet by 15-20% from their peak just three years ago, many are wondering: Will the housing market finally find its floor? The property market has been buffeted by
Investing is great - over time you'll sort out your retirement. With what you have left, there may even be a little something to leave the kids. That perspective is 100% valid, but for some, they in search of something bigger, something with purpose. This is where setting in motion a strategy of building intergenerational
