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W & K

Financial Advisers

Rest Home Costs

As authorised financial advisers, one of the real concerns we hear from clients is the worry about potential rest home costs. People who qualify for rest home care will either need to pay a maximum contribution of about $800 per week for their stay or apply for the Government’s residential care subsidy.

Investor Emotions

Investing can be emotional. Should I do it? What is a better investment? What if it turns nasty? Can I get my money out or at least some if my personal circumstances change dramatically?

The traditional New Zealand investor most likely started off by buying a second house, usually using some of the equity from their primary residence. This worked well, primarily because the taxation system was so advantageous to them.

Financial Planning

05 May 2015

The biggest financial risk anyone takes in their lifetime is the risk of running out of money before they die. Everybody who lives to retirement age reaches that stage in different states of financial and personal health.

We can all do our best to reach that stage of life in the best financial and physical shape that we can. Both of these “health factors” take long term effort, although a few people for example may be lucky and win lotto or inherited good genes.

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 vast majority of them have no qualifications or expertise to do so.

Debt Investing

In the early 2000’s, debt investing was the dominant form of investing for many New Zealanders with the exception of property investors. The two went hand in hand with much of the debt investing being associated with property. Both banks and finance companies were heavily into lending for property.

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