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Financial Advisers

Is there Value in Receiving Investment Advice?

The Financial Markets Authority (FMA) has recently released findings from their FMA Colmar Brunton commissioned survey of New Zealanders aged between 60 and 74. The survey was designed to find out how advice had helped them manage their savings.

Of those retirees who had sought professional financial advice, 95% said their adviser was either good, very good or extremely good value. Around 30% said their adviser was very good value.

Relationship Property Basics

It is well known that at least a third of marriages and de facto relationships fail. Being aware of the financial consequences of the end of a relationship means you can put in place strategies to protect the property you acquired before the relationship and protect your rights to a share of property acquired during the relationship.

New Zealand Superannuation – A Core Cost to Pay

The growing cost of New Zealand Superannuation is an issue that the Retirement Commissioner and media have raised as a concern. This week, current Prime Minister Bill English addressed the issue, with proposed changes to entitlement age, and increasing the residency length requirement for immigrants.

The current government proposes legislative changes to be introduced in March next year. This is after the election. What has been proposed is therefore a policy, and may not necessarily become law.

Am I in the Right KiwiSaver Fund?

This is a commonly asked question of financial advisers especially when KiwiSaver investors are in a group default scheme. It is always a bit difficult to answer at the time, given that the first thing an adviser is supposed to do is provide the person with a disclosure statement, before even attempting to answer the question. It is all a bit unusual given that journalists, teachers, and members of parliament can legally answer the question yet the clear majority of them have no qualifications or expertise to do so.

Passive Investing – Maybe you are paying too much?

Over the years there has been a lot of debate about the merits of investing in passive funds compared to actively managed funds. In the United States passive or index funds are very popular. There are even more passive funds than listed companies. Just because something is popular does not make them necessarily a good choice.

Passive investment funds’ performance has dominated active performance for the past five years in the United States. This is like what has occurred in Europe.

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