Sunday Star Times Articles:

Investing amid the changing nature of retail

Who would be a retailer, or invest in retail? Well, the answer to those questions is that lots of people would, and a few might do quite well with it. However, my guess is that owning shops will not be the money maker that it has been in the past. Traditionally, retail read more

Every little helps you along to a comfy retirement

Claire Matthews at Massey University continues to do good work on retirement savings. Her latest piece, out last week, sets the bar for how much you need for a comfortable living in retirement. This latest study shows that to live in a big city in retirement, you need $ read more

Happy anniversary KiwiSaver

If there was going to be a celebration for the KiwiSaver’s 10th birthday, it would be the banks who would party hardest. According to research house Morningstar, just six providers (mostly banks), have around 85 per cent of the KiwiSaver market that is on the Morn read more

Getting older, working on

According to the Census of 2013, we know that 40 per cent of people age 65 to 69 are in paid work. But the thing we don’t know is how many work because they want to and how many because they have to. Maybe someone has researched this, but if so, I have never seen read more

Playing it safe when investing in tech

Technology is a difficult area for investors and there are many people who choose to give it a wide berth. Investors see tech companies collapse and remember the dot com bubble burst with great losses. There was a lot of money made during the inflation of that bubble (m read more

Kiss goodbye to Casanova tactics

Casanova continually chased new loves. In doing so, he left a string of perfectly good lovers behind him, and disappointed. For Casanova, a new conquest was worth much more than an existing relationship – the seduction of the new was more attractive, regardless of how b read more

Bitcoin may be a sensible currency bet

I don’t know what a blockchain is and I certainly do not know how they work. I know that they are the technology behind Bitcoin, that they are very clever and that they will have uses beyond digital currency. Somehow these blockchains are the ledger for all Bitcoi read more

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