It Shouldn't Be A Secret, But It Is The primary cause behind rising costs, AND positive investment returns, is often the most overlooked aspect of personal finance. It shouldn't be a secret, but it is. The answer's too complicated for some, too simplistic for others, and too contrarian for all. Going forward, ignorance comes with
Where the New Zealand Property Market Is At: Straight Talk Property's always a hot topic, and for good reason. Ever since the '87 stock market crash, it's been the 'drug of choice' - not just for everyday investors, but for banks. At an economic level, the credit creation that occurs through the property segment is
The world is changing Trade wars, tariffs, and a new way of thinking about money are all hitting at once. If you’re an everyday investor, this is about your wealth, your future, and how to play the game when old rules are being followed. Trade’s Getting Messy, and It’s Not Just Talk Since Trump took
Gold is on the move, and it’s not just a market blip. Central banks are stockpiling it, countries are yanking it back from foreign vaults, and the U.S., once a gold exporter, is now a massive importer, rivaling World War II levels. From Germany to Turkey, nations are repatriating their gold from the New York
These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators. At an organisational and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours. Each group contains imperfect people, working in their part
Is Wall Street Crashing Main Street, or Is Main Street Crashing Wall Street? In a recent conversation with Rupert Carlyon, Managing Director at koura Wealth, we talked about the volatile interplay between Wall Street and Main Street, sparked by a dramatic 9.5% surge in the S&P 500—the largest daily rise since 2008. This market upheaval
Finding Your Way to Wealth: No One-Size-Fits-All An investment strategy is a framework for you to go about putting money to work in markets. There are many valid strategies you can choose from—you can even make your own. It’s your money, after all. Here’s a few you may have heard of. Dollar cost averaging, or
When market jitters hit, check that you’re not derailing your investment strategy. I generally avoid taking calls late on Friday’s, but I made an exception recently to talk with a client who was clearly distressed about the markets. She’d sat through a presentation at work where an economist warned about the impact President Trump would
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,
Today, central banks and government agencies wield unprecedented influence, distorting free market signals in their quest to steer the economy. Interest rate tweaks, quantitative easing, and fiscal interventions have potentially synchronised asset classes like equities and bonds, eroding the negative correlation that once cushioned portfolios against volatility. Translation: Trying to influence the rate at which
