Financial advice

Better investment decision making

Making sensible investment decisions is difficult. We are subject to a range of behavioural biases. We have to cope with incessant noise around financial markets. We behave in ways that are inconsistent with our long-term investment objectives. So, what can we do about it?

Should you rent a home, or buy?

So, renting a home always equals throwing money down the drain, and buying a home is key to building equity … right? Nope. That rule is as outdated as a horse and carriage. In fact, more people are deciding to keep on renting — indefinitely. Why? People have different financial goals.

Alarm bells over insurers conduct and culture

Purchasing life insurance is one of the most important financial decisions people will make in their lives. There are approximately four million life insurance policies in force in New Zealand, with consumers paying $2.54 billion in annual premiums.

Your New Year's Resolution

The new year is a time of reflection; a ready-made reminder to us all that we should perhaps take stock of what's happened and what will come next. It is a good time to ask a very simple but profound question: What could possibly go wrong over the course of the coming year?

GFC 10 years on: Time and Patience

Timing the market is tough, as is basing an investment strategy on economic or market forecasts. But we can do ourselves a favour, both materially and emotionally, by accepting that volatility is a normal part of investing and by sticking to a well-thought-out investment plan agreed upon in less stressful times.