The espresso portfolio

When you haven't got much capital of your own, the road to financial security can seem long, hard and complex. But the truth is that wealth building is relatively simple. All it takes is time and the price of a cup of coffee.

Which hat are you wearing?

Most of us have multiple roles — as business owners, professionals, workers, consumers, citizens, students, parents, and investors. So, our views of the world can differ according to whatever hat we're wearing at any one time.

Rainy-day Investing

Like farmers planning a harvest, investors pinning their expectations on statements about arithmetical "average" investment returns can be disappointed. As with rainfall, market returns are rarely evenly distributed either across time or place.

In and out of currency fashion

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios.What are investors to make of all this media attention? What place, if any, should bitcoin play in a diversified portfolio?

Protect your business against the unexpected

A business is only as good as its people.Although you may have implemented plans to protect your buildings and equipment, it's important you don't forget about protecting one of your most important assets - your people.

KiwiSaver Vs. Volatility

Early in February after a long period of relative calm, the world found out that markets do contain a level of volatility they move up and DOWN and sometimes they can move quite quickly. What does this all mean to your average KiwiSaver investor… not much.

Should I consider dollar cost averaging?

We are sometimes asked about dollar cost averaging when investing client funds and whether this is a good idea. It is certainly something which should be considered, particularly for first time investors, and those whom are introducing a substantial lump sum deposit into their investment portfolio.

Seven simple lessons on volatility

Renewed volatility in markets has awoken the investors from summertime slumber.

News directors drag out dated file footage of frantic traders and summon talking-head experts to explain what it all means. Well, what does it mean? More importantly, does it matter?

AI and real-time risk decisions in wealth management

This promises to be the year we see the culmination of some key technologies — from blockchain and artificial intelligence (AI), to design thinking and the cloud.

We are living during a surge of interest and research into AI. It can seem like every week there is a new breakthrough in the field and a record set in some task previously done by humans.