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.
With KiwiSaver, age matters
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
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
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?
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?
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
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
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?
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?
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
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
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?
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
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
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
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
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
Sunday, 8 May 2016
Investors cannot be blamed for feeling rattled by the constant flurry of headlines like ‘Major new stock market crash warning’, ‘Economicreality is hitting home’ and ‘NZ growth slows despite migration boom’, but now more than ever is the time to turn down the noiseand keep a level head. ...
Modest growth for NZ economy and share markets in 2016
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
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?
Thursday, 14 January 2016
The fact that many lotto winners end up broke is no myth. ...
Who’s in your A team?
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
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
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?
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
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
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?
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?
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
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
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. ...
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?
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
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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