Articles

Here you’ll find an interesting collection of insightful articles and opinion pieces – some investment related, others more general. We add new articles regularly, so bookmark this page for future use.

Happy Healthy Retirement

Date:Wednesday, 14 June 2017

A common question for people approaching retirement is “Should I keep my health insurance?” ...

A Word from our Colleagues At AMP Capital

Date:Wednesday, 14 June 2017

ESG – Busting the myths ...

B’n’B Careful

Date:Wednesday, 14 June 2017

You may have heard of the new generation of ‘sharing businesses’ which let people list, find and rent accommodation or holiday homes for a fee. It all happens online. ...

Great News! Claim Your Kiwisaver Government Contribution

Date:Wednesday, 14 June 2017

It’s that time of year again; time to ensure you receive up to $521* from the Government in Government Contributions into your KiwiSaver account. It’s easy, the Government pays 50 cents for every dollar you contribute annually, up to a maximum payment of $521.43. To receive the full amount all you ...

Are You Over Being Underinsured?

Date:Friday, 24 March 2017

There is evidence of widespread inadequate insurance, with 54% of Kiwi main income earners being more than 20% underinsured for life insurance and 43% being over 40% underinsured. ...

Invest Time With An Investment Specialist

Date:Friday, 24 March 2017

Your financial adviser is more than an expert who understands the difference between stocks and bonds, or how to create an investment diversification strategy. They are experienced financial practitioners with access to the latest industry data and information. ...

A Bank* Of Black Swans

Date:Friday, 24 March 2017

Election year in New Zealand. Donald Trump in America. Disruptive innovators (like Uber) in most sectors. Brexit. Interest rates rising. ...

Looking Out For Mum and Dad

Date:Friday, 24 March 2017

The United Nations predicts that by 2050, life expectancy will increase on average by 22 years in developed countries like New Zealand. ...

65 or 67, Early Retirement Planning Is Essential

Date:Friday, 24 March 2017

Prime Minister Bill English has announced the Government aims to move the retirement age from 65 to 67 years by 2040. ...

Economic Round-up From Our Colleagues At AMP Capital

Date:Friday, 24 March 2017

Headlining this issue of AMP Capitals Taking Stock
...

With KiwiSaver, age matters

Date:Friday, 23 December 2016

KiwiSaver members who don’t actively choose an age-appropriate fund could miss out on as much as $341,000 by the time they turn 65! ...

General Insurance embargo across central New Zealand still in place

Date:Friday, 23 December 2016

An embargo by most insurers on new insurance policies for property such as commercial buildings, houses and motor vehicles – which extends from lower North Island to just north of Christchurch – is not expected to be lifted anytime soon. ...

Economic round up from our colleagues at AMP Capital

Date:Friday, 23 December 2016

To watch Bevan Graham (AMP Chief Economist) discuss the financial markets following Trump’s victory, and take a look at the economic outlook for next year both here in New Zealand and around the world visit the AMP website www.amp.co.nz/personal/news/insights

Some of the key themes discussed in ...

Trump, Brexit and earthquakes – what next?

Date:Friday, 23 December 2016

In a few weeks, on January 20, Donald Trump will become the 45th President of the United States of America, and in March the Prime Minister of Britain, Theresa May, may – or may not – trigger Article 50 to signal the withdrawal of the UK from the European Union. The future it seems is uncertain, ...

What do you do when Pharmac won’t pay?

Date:Tuesday, 27 September 2016

Sometimes it takes time for new and revolutionary lifesaving drugs, like Keytruda, to get funding from New Zealand drug agency Pharmac. For some people, that funding may come too late ...

Inflation Indexed Bonds versus Nominal Bonds

Date:Tuesday, 27 September 2016

All normal (or nominal) bonds, and other fixed-income securities, are exposed to deterioration in real value if there is prolonged inflation, creating the risk that the purchasing power of interest payments could be eroded by inflation ...

The case for real assets when cash is yielding low returns

Date:Tuesday, 27 September 2016

For some the search for stable and consistent income in a global market where cash deposits are earning low interest rates, with no sign of any upward shifts anytime soon, may seem fruitless – but perhaps it is time to consider the case for real assets, particularly property and infrastructure. ...

Helping kids into a first home would be nice, but at what cost?

Date:Tuesday, 27 September 2016

The jury is still out on whether the New Zealand Government’s actions to help first home buyers will help more people into home ownership. In the interim, however, many parents and grandparents are stepping into the breach – but is that a wise move? ...

Want to do more with your UK pension?

Date:Tuesday, 27 September 2016

Whether your UK pension is still overseas or here in New Zealand, you might want to explore the benefits our new Qualifying Recognised Overseas Pension solution available through the New Zealand Retirement Trust (NZRT). Our 27 investment funds and more socially responsible investment options are ...

28 reasons to choose the AMP KiwiSaver Scheme

Date:Tuesday, 27 September 2016

The more options and opportunities available to you, the greater your ability to achieve and exceed your financial goals – like financial freedom. Now with 28 investment options from the AMP KiwiSaver Scheme – after the recent addition of 16 new funds with fund managers other than AMP – you have ...

Responsible investing rises on the back of solid returns

Date:Tuesday, 27 September 2016

Investors’ appetite for funds that are aligned with their values and investment beliefs is growing across all demographics, particularly in the wake of publicity on divestment campaigns around fossil fuels and poor governance by some organisations ...

Management for our times...passive or active?

Date:Thursday, 4 August 2016

The debate between passive management proponents and active management supporters has verged on ‘religious fervour at times over the years, but has the worm turned following on the heels of events like Brexit, the US elections, the refugee crisis in Europe and the Syrian war? ...

Brexit: Medium Term Perspectives and Global Insights

Date:Thursday, 4 August 2016

With the United Kingdom having voted narrowly in favour of leaving European Union (EU) on 24 June, there was some initial, aggressive price reaction from investment markets. ...

The emotion of investing

Date:Thursday, 4 August 2016

In times of turmoil, your biggest risk is sometimes your emotions, and this is true for decisions when it comes to investments. ...

Volatility investment 101: Keep calm and carry on

Date:Wednesday, 11 May 2016

The refugee influx into Europe, conflict in the Middle East, China’s slowing economy, low oil prices and volatile global financial markets… it’s almost comforting to know that there’s nothing new under the sun. ...

Cruise into the perfect holiday

Date:Monday, 9 May 2016

It is getting to that time of year when a growing numbers of Kiwis are thinking about exiting the cooling weather for something a bit warmer. With so many things to love about taking an ocean cruise, it’s little wonder they’re fast becoming one of the most popular holidays for people of all ages ...

What investors need to know, and do, now

Date:Sunday, 8 May 2016

Investors cannot be blamed for feeling rattled by the constant flurry of headlines like ‘Major new stock market crash warning’, ‘Economic
reality is hitting home’ and ‘NZ growth slows despite migration boom’, but now more than ever is the time to turn down the noise
and keep a level head. ...

Modest growth for NZ economy and share markets in 2016

Date:Monday, 2 May 2016

The outlook for the New Zealand economy offers some big positives, and some big negatives, but overall Kiwis can anticipate growth of between 2 – 2.5 per cent in 2016 ...

Looking beyond volatility and considering structural change

Date:Sunday, 1 May 2016

Market volatility spiked early in 2016 and has since fallen due to no one factor. In our opinion, the rise in market risk is neither unusual nor sinister. ...

If you can’t manage your money now, what are you going to be like if you’ve suddenly got a lot?

Date:Thursday, 14 January 2016

The fact that many lotto winners end up broke is no myth. ...

Who’s in your A team?

Date:Thursday, 14 January 2016

My girlfriends and I were recently discussing who we consider to be on our A team. By this, I mean who we turn to in our hour of need. My own team includes my hairstylist, doctor, dentist, child minder and travel agent. Certainly a diverse bunch, yet all experienced professionals in their own right ...

We all know life comes with changes

Date:Tuesday, 1 December 2015

Spicers advisers spend a good deal of time making sure their client’s financial affairs are properly structured with risks being identified - all with a view to achieve your goals. ...

On trusts, rest home subsidies and good honest motivations

Date:Sunday, 22 November 2015

Trusts have never been a reliable mechanism for facilitating fully subsidised rest home care and as such it’s nothing new that there is always a slight risk of ‘claw backs’ when it comes to means testing for rest home care, for example. ...

Why are many of Spicers funds AMP branded?

Date:Thursday, 19 November 2015

When researching suitable investments for client portfolios it is important to look deeper than just the fund name, as often this reveals more important information about the brand. ...

Convenient insurance products could mean you’re under-insured

Date:Sunday, 15 November 2015

Cookie-cutter, or one-type-fits all, insurance policies have their place as a safety net, but a good insurance portfolio – one that is adequate to maintain your lifestyle in the event of the unexpected – is like a good suit, it needs to be tailored to fit your specific needs. ...

Answers on Greece and the current economic cycle

Date:Thursday, 12 November 2015

Keith Poore, Head of Investment Strategy at AMP Capital, answers your questions on Greece and the economy. ...

Why have an exposure to China when it has been so volatile over the last year?

Date:Tuesday, 10 November 2015

Spicers portfolios do not have exposure to China’s domestic share market, which has been on a roller coaster ride of late. ...

What impact will the volatility in the Chinese share market and economy have on your portfolio?

Date:Thursday, 5 November 2015

Chinese share market and economic volatility will have an impact on New Zealand investment portfolios, but this is expected to be modest. ...

Market Summary: September 2015 - Economic summary

Date:Tuesday, 3 November 2015

The third quarter of 2015 was dominated by concerns about global economic growth and whether the US Federal Reserve (the ‘Fed’) would initiate the most anticipated start to a US interest rate hiking cycle in living memory. ...

Secure your retirement against these 3 hidden vulnerabilities

Date:Thursday, 6 August 2015

As we get older we are likely to be confronted with a number of hidden financial vulnerabilities, or some especially difficult, personal challenges, that go beyond just maintaining a steady income from our retirement savings and investments. ...

Economic outlook

Date:Friday, 22 May 2015

The first quarter of 2015 has been another solid one for diversified investors. The start of the year is looking like 2014 déjà vu as US first quarter growth has come in weaker than expected, central banks have eased more than expected, and bond yields have moved lower, while equities have rallied. ...

How do I generate sufficient income in a low yielding environment?

Date:Friday, 22 May 2015

How may New Zealand investors, particularly those of us who are retired and reliant on our investment returns for our regular income, generate sufficient income in a low yielding environment? ...

Spicers financial freedom winner gifts $10,000 prize to The Fred Hollows Foundation NZ

Date:Friday, 22 May 2015

Lei-Anne Gabi, winner of the $10,000 Spicers Portfolio Management ‘Share your idea of Financial Freedom’ competition, has done the most altruistic thing and gifted her prize to The Fred Hollows Foundation NZ. ...

 

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Important informationThe content on this website is for information only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the above content constitutes financial advice, it is class advice only. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. While care has been taken to supply information on this website that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission. A disclosure statement is available from your adviser, on request and free of charge.

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