Investing In KiwiSaver The Right Way In this article, I want to share the wisdom around why to invest into KiwiSaver, how much you should invest, and what you should be looking out for in a provider in order to make the right decision as to who you will invest with. KiwiSaver is a voluntary, workplace-based savings scheme in New Zealand that was introduced in…
Browsing CategoryFinance
Why You Should Be Investing Into Buckets
Investing Into Buckets Go and purchase any number of books on the topic of investing, building wealth, or retirement planning, and most of the authors will speak about their version of ‘investing into buckets’. It is certainly a theme shared by most of the world’s greatest and well-known investment experts. What do we mean by ‘investing into buckets’? In this article, we will break down…
Demystifying Mortgages And Its Jargon
Demystifying Mortgages And Its Jargon This month we thought it was a good idea to get stuck into demystifying mortgages a little bit by explaining some of the jargon in our industry because there is so much of it! OCR – The Official Cash Rate, Set by the Reserve Bank. It affects the price of borrowing and savings in New Zealand and influences economic activity…
Socially Responsible Investing
Socially Responsible Investing What is socially responsible investing? Would you like some palm oil to go with those cluster bombs? How about a scrumptious side of pornography to go with your gambling? Then maybe finish it off with a warm glass of fossil fuels accompanied by lashings of alcohol and tobacco…. Seriously though – and this is a very serious conversation. Have you ever considered…
The Do’s and Don’t of Applying for a Home Loan
The Do’s and Don’t of Applying for a Home Loan So you have decided to apply for a home loan. Whether this is your first or second property, lenders and mainstream banks change their criteria and the way they deal with their customers. What you could do last year may not be the best option for you this year. I have created a do’s and…
What To Look Out For When Building a New Home
What To Look Out For When Building a New Home I thought we would take a look at the considerations when looking to buy and build a new home. It can be complicated but is a popular option for many. The ability to choose your land, your plans and how to make it all perfect to your requirements and brand sparkly new is exciting and…
The Three Pillars Of Risk
The Three Pillars Of Risk When it comes to knowing where to invest and seeking financial advice from a qualified Investment Adviser, there is generally a lot of focus placed on a client’s Risk Profile. And, for good reason, as knowing your ‘risk tolerance’ and your ‘emotional composure’ when it comes to investing, is very important. But – Is this the only component to consider…
What Is The CCCFA And How Does It Impact My Ability To Borrow?
What Is The CCCFA And How Does It Impact My Ability To Borrow? Certainly, big news over the past few months, is the CCCFA – the Credit Contracts and Consumer Finance Act (2003). The Act was originally introduced in 2003 but updates that came into force of late captured how banks assessed mortgage applications and all of a sudden things got more than a little…
Don’t Be a Mortgage Ostrich!
Don’t Be a Mortgage Ostrich! Mortgage payments – they’re always there in the back of your mind. You think about it before buying a new car, getting a gift for your spouse or taking the family on a vacation. These days you’re likely to be thinking about it before you put petrol in the car or push the shopping trolley around the supermarket. In the…
What’s The Point Of Insurance & How To Identify A Financial Risk?
Insurance, at its essence, it is transferring your financial risk to a company and paying a regular premium to them for the pleasure. No one likes to pay for insurance that is a give in. It provides peace of mind but feels like vinegar when each premium is deducted. Insurance is necessary, it ensures your home can be rebuilt, your car can be replaced, the…