NZ Business Owners

You might have heard of terms like futures, options, swaps and CFDs. What in god’s name could it all mean and why should you care? In this episode, I explain in plain English, the power of derivatives and why they’re an important financial instrument in your investment tool kit.  Book a Free appointment with Ryan  If you're wanting your question answered on the podcast email me at ryan@o...

"What is crowdfunding? Crowdfunding works by many people (the crowd) putting in small amounts of money to raise funds for a company or project. When you put money into an equity crowdfunding project, you're buying shares. Typically this will be in small or start-up businesses, meaning you become a part owner of the business. Crowdfunding is also often used to describe donation or rewards-based fun...

"Cash investments are relatively safe because you’re promised a fixed interest rate. But the returns you get through interest rates tend to be low, so they’re not always the best option – particularly if you’re saving for retirement. About cash investments Cash investments include savings accounts and term deposits with a bank, credit union or building society. You can also invest cash through a m...

"Capital notes are often issued by well-known banks, but are riskier than bank deposits. They may not be suitable for many investors. A household name and high headline rate of return alone are not good reasons to invest. You also need to understand the complex and potentially risky nature of these investments, and whether they are suitable for you. What are bank capital notes? Banks must hold a c...

The Ultimate Guide To Investing In Bonds. "Bonds are loans from investors to governments and companies for a fixed length of time, or term. Although typically they don’t have the high returns of other financial investments, they are seen as essential to any portfolio. They aren’t just limited to big institutional investors – everyday investors can use them to diversify their portfolios and spread...

"What are binary options? Also called ‘all-or-nothing’, ‘fixed return options’ or ‘digital options’, binary options enable you to make (or lose) money by predicting the short term movements in the price of a share, commodity, currency or index. Usually, the timeframes are short and you don’t have long to make your call – in some cases less than a minute. For example, you might put money on your gu...

A managed fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, property, and other assets. Managed funds are operated by professional fund managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A managed fund's portfolio is structured and maintained to matc...

"Cryptoassets are treated as a form of property for tax purposes. While there are different types of cryptoassets, the tax treatment depends on the characteristics and use of the cryptoassets. It does not depend on what they are called. In most cases, the amounts you get from selling, trading or exchanging cryptoassets are taxable (this includes when you exchange one type of cryptoasset for anothe...

Over half a million Kiwis are living in Australia with a potential taxation nightmare the moment they return home.  In this episode we explore buzz words like capital gains tax, non-resident withholding tax and financial arrangements. Answering the big questions: Are you better off transferring your Australian Super to KiwiSaver? Can a New Zealand resident buy property in Australia? What are...

Simran the co-founder of one of the largest investing education podcasts in the world, Girls That Invest , shares her journey, insights and how she turned a frustrating experience into a podcast powerhouse. Book a Free appointment with Ryan     If you're wanting your question answered on the podcast email me at ryan@oneplan.co.nz , send a voice message below or capitalise on our free onl...

Quick Fire Finance Of The Day: "I want to start thinking about investing my money and/or saving for the future but I am a student and don’t have consistent income. I have about $10,000 in savings but since interest rates are so low at the moment I am looking at investing. Also any tips for future proofing your money while at uni?

"How the Family Court divides relationship property General principles The judge will be guided by some general principles when they divide your relationship property: men and women have equal status each partner has made an equal contribution to the relationship so relationship property should usually be shared equally (50:50) it usually doesn’t matter if 1 person is more responsible than the oth...

"Please would you let us know your thoughts on Michael Burry’s view that ETFs and index funds are the next bubble. Have just invested a fair bit through InvestNow and Simplicity. Michael Burry of ‘The Big Short’ says he has found the next market bubble Here is the CNBC article ." Source: https://maryholm.com/nz-herald-27-february-2021/ Book a Free appointment with Ryan     If you're want...

"Property is divided into two categories, relationship property and separate property. What is “relationship property”? Property (Relationships) Act 1976, s 8 Relationship property is the property that must be divided between the parties when their relationship ends. Relationship property will usually include: family home and chattels (including the family car, household furniture and effects, and...

"Usually a relationship will need to have lasted at least three years for the PRA’s equal-sharing regime to apply. However, sometimes shorter relationships (where there are children or a partner has made a substantial contribution) will also qualify if that would be just. A relationship that has not lasted for three years is classified as a “relationship of short duration” and different principles...

Ben Male Founder of Team Empathy : "People go into business to help other people ❤️Whether it's local services, fresh produce, tangible products or digital goods; we're all in the business of making other lives better. When we're online like on Google, we show up as a way of solving someone's problem or answering their question. In doing so we help out, add value, and an exchange usually happens s...

"The Property (Relationships) Act 1976 deals with how the property of married couples, civil union partners and de facto couples is divided when a relationship ends. The Act covers a relationship ending because of a break-up, but it can also cover a relationship ending because of the death of a spouse or partner. The purpose of the Act is to recognise the equal contributions of both partners to th...

"There are different types of land ownership in New Zealand. The type of ownership has a direct impact on what you can and cannot do with the property. There are four main types of property ownership in New Zealand – freehold, leasehold, unit title and cross lease. Freehold, also known as fee simple, is the most common ownership type in New Zealand. Leasehold is when someone else owns the land. Yo...

"'We are saving via a small basket of shares as a long-term investment, including a couple of managed funds and an index fund. I appreciate your advice(Mary Holme) that it’s the best way for an amateur to invest. However, given more and more amateurs investing in the share market via KiwiSaver, Sharesies or otherwise, is there a chance of these funds becoming over-valued because of popular appeal?...

What you need to be mindful of when you're nearing the end of the sale

You've almost closed the deal, what should you look for?

Business Financial Adviser from Finsol Doug White: "I’ve been in the banking game for the last twenty years, and before joining Finsol, I was a Business Manager for Kiwibank for eight years. I hold both Level 5 Financial Advice with Investment and Residential Lending certificates. I really enjoy helping Kiwi businesses and their owners succeed and ride the journey with them. My niche is being hone...

You begrudgingly sold your life to the bank now what? The first step in managing your mortgage is knowing when to hold them and when to fold them.  Principally the driving factors for making a change to your mortgage are either interest rates or repayments. Ideally you want to assess this every one to two years or when one of four things happen: 1. The fixed rate loan term is about to end. 2....

When you hear the phrase: ‘you should talk to a lawyer’ the hair on the back of your neck stands up. Don’t lose hope. They’re an essential tool to leverage when purchasing or selling a property. Here’s a framework for the initial stage: 1. If you’re the seller: · Ask a lawyer what the best-selling methods are, the agent options, a good price range and if to needs due diligence.  Agent options migh...

"I am almost 57 years old, a single woman. I own a home in central Wellington worth $1.3 million, with a $45,000 mortgage. No other savings or debts (as I put all my savings towards my mortgage), but $120,000 in KiwiSaver. I have a permanent job paying $105,000 per annum. I intend to work as long as I can! Do you recommend that I purchase an investment property, or invest in stocks and bonds? If y...