As an advisor, one of my job I genuinely enjoy is to learning international financial markets. The fall of the US dollar as the world's reserve currency is a topic that has recently caught my attention again, as it has from time to time. In this post, I'll explain what's causing this downturn, what it
The world of investing offers various styles and strategies to accommodate each investor's preferences, risk tolerance, and financial goals. Today, we'll dive into the fascinating realm of passive investing and contrast it with its more active counterpart. I've explored both passive and active investing strategies within my portfolio, and I encourage you to take a
Emerging markets, defined by MSCI as 46 countries including China, India, Southeast Asia, Latin America, and Africa, have largely been a disappointment for investors over the last 15 years, with negative returns. This is due in part to the traditional index being filled with state-owned enterprises, or government-owned banks and oil companies, which are often
By Darcy Ungaro The following Christmas message has been generated by an AI-powered chatbot... As the Christmas season approaches, we wanted to take a moment to thank you for your continued trust and partnership with our firm. We understand that managing your finances can be a daunting task, and we are grateful to be able
For some, it's easy to become excited about investing in commercial property. After all, it feels like that's what 'normal' property investors do when they 'grow up'. Less hassles from a tenant (as long as you have one), more certainty with cashflow, strong capital gains, and often far better tax treatment. What's not to like?
What’s up with property? If it's munted, perhaps we should move on and think about different things. If it's just a little sick, well we know in all probability, it's likely going to get better. Maybe we should we prepare for the season in which property recovers? If you’re currently a home owner, with or
"Would it make a difference if we asked for lower amount instead?" This is one of the most common questions of 2022. Lending criteria, partially thanks to the unbelievably inappropriate but politically highly convenient piece of legislation known as the CCCFA, is something you've likely heard about by now. I was one of the
Stimulants, depressants, & LVRs Darcy is joined by Jeremy Couchman, a senior economist at Kiwibank, to unpack the names for the many stimulants and depressants intoxicating the housing market right now. From LVR and DTIs, to the other strange monetary drugs, let's get a better idea of what we're taking this summer. L.V.R. has become
If I hear the word 'unprecedented' one more time this year I'm drinking one of the 4-litre containers of hand sanitizer under my sink. As with much of noise we've surrounded ourselves with this year, this year I've really learnt that pessimism is more expensive than optimism. We've seen this play out with our KiwiSaver
As you can appreciate, at this time we're currently experiencing a high volume of questions. They all have a similar sound to them so to save time, here's a list to cover off some of the FAQ's around Covid-19. If you're curiosity persists, please do get in touch. For an extra insight, I'm happy to
