Sunday Star Times Articles:

High Returns on Investment Is Easy

Getting a high return on investment is easy. To get high returns, all you need to do is have a greater proportion of shares and property in a fund: if you buy more shares and property and reduce the amount of fixed interest and cash, you will inevitably get higher retur read more

Save hard but risk a little for investment learning

For years I have said that people should use every spare dollar to pay down debt and to leave off investing for when all debt is gone. The only exception to this basic rule is subsidised superannuation (e.g. KiwiSaver). People should contribute to the likes of KiwiSaver read more

Liquidating your KiwiSaver funds

You do not have to leave KiwiSaver when you turn 65. Sure, on your 65th birthday you are entitled to take out all your money (provided you have been a member for five years), but if you have nothing compelling to do with the money, maybe you should stay with it. It is t read more

Be resilient by building a shelter for financial storms

Last week, I went to a talk from the Minister of Finance. Steven Joyce has some interesting budget choices to make as he decides what to do with the surplus he has; tax cuts, infrastructure, debt reduction, benefits etc. Just like a household budget, there are plenty of read more

Doing good with your investment choices

OPINION: I have always thought socially responsible investing makes good sense. As such, I have excluded “sin” stocks from my own portfolio: for example, I recognise the harm that gambling does, so even though Sky City appears to be a well governed and manag read more

Trusting in company shares is difficult after a scandalous history

Shares are evil, a friend said to me recently. This was from the operator of a small business who was convinced that shares were the worst investment that you could make under any circumstances: they were too risky and involved the trust of too many people. Too often, m read more

Cash is king of the investment realm

Cash is king, so the saying goes. The strange thing is that although in a market downturn people are quick to say that cash is king, during good investment times cash does not seem regal at all. In good times, cash pretty much gets ignored– a right royal snub. At the mo read more

Staying ahead of work and money trends

Over the last 40 years or so, two trends have come together to make financial capability and literacy more important. These changes are such that people now need to know much more about finance and have good skills to manage their money. In my view, they make it importa read more

Painting your retirement by numbers

I’ve been doing some numbers. This is nothing unusual, of course, I spend a lot of my life doing and reading numbers. However, the numbers in question are important, because they tell people who are planning their retirement the kind of lifestyle they will be able read more

How to plan for a later-life ‘gap year’

I have some friends having a gap year. No, they are not a couple of 18-year olds taking a break from their academic studies to work at KFC and find out how the world works. Instead, this is a grown-up’s gap year –  my friends are in their fifties, have sold read more