The Adviser Talk

The spectre of zero and negative interest rates are looming over the New Zealand financial market and those looking for a haven can't find much relief. Last week, the Reserve Bank of New Zealand (RBNZ) deputy governor Geoff Bascand suggested at least some bank depositors might want to put their money to use elsewhere. The information provided, or any opinions expressed in this show, are of a gener...

Published on 15 June 2020. Do you find it confusing when a bleak economic report emerges from the press, only to be accompanied by a positive surge in the global share market? You're not alone. The last few months have produced many examples of a stark contrast between global market performance and economic indicators. The information provided, or any opinions expressed in this show, are of a gene...

Published on 6 June 2020. Investing FOMO is when you watch a share price soar to new highs, and you realise you missed out on the opportunity. You might spend the next hours, days, weeks thinking about what could have been the returns. This type of self-talk and do-it-yourself financial planning is damaging to your mental health and retirement goals. The information provided, or any opinions expre...

Financial hardship applications for KiwiSaver could spike up substantially in the second half of the year as the 12-week employer wage subsidy period comes to a close, experts predict. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial prod...

The government has unveiled Budget 2020 under the most challenging economic conditions since 1984 and with expectations from the whole nation that it will cushion the economy from the fallout from COVID-19, the stakes are surely high. This budget is seen as the voyager for our journey around the dark side of the moon. The information provided, or any opinions expressed in this show, are of a gener...

The COVID-19 pandemic has forced organisations and individuals to embrace new practices such as social distancing and remote working. While the world is focused on the health and economic threats posed by COVID-19, cyber criminals around the world undoubtedly are capitalizing on this crisis. The guest on this podcast Martyn Levy owns and leads Nextro (formerly called as Acurix Networks NZ), a spec...

On 29 April 2020, the Reserve Bank removed the high LVR restrictions for 12 months in response to the economic impact of the COVID-19. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to...

COVID-19 has got the attention of the world, in New Zealand we are looking at the rapidly evolving threat around the economic recovery. The four weeks level 4 shutdown impacted the business community across the country, potentially sending unemployment numbers as high as 25 per cent. The information provided, or any opinions expressed in this show, are of a general nature only and should not be co...

Stressful events such as the current bear market are an unpleasant reality, with many investors trying to wish away negatives results in the hope they become a distant memory, but they also provide incredibly important lessons for investors and financial advisers. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on...

Periodic rebalancing is generally a good way to keep your investments on track and to prevent your portfolio from changing too drastically during volatile markets – like the one we are experiencing now with COVID-19 outbreak. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a fin...

The NZ housing market amid COVID-19 by Stewart Group The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financi...

The outbreak of COVID-19 has provided numerous examples of decisions that are seemingly fuelled by stress and uncertainty; from the bizarre stockpiling of toilet paper to investors moving between funds and cashing out. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial...

The pandemic will not be easy to overcome. Those businesses that find resilience, will not only be the ones that survive but also thrive! The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific...

Jo brings over 15 years experience in banking, sales and customer service. In her current role as KiwiSaver Adviser at Stewart Group, Jo is thrilled to be specialising in retirement planning. Her mission is to educate as many people as possible about the importance of making informed choices to gain the most from their KiwiSaver. The information provided, or any opinions expressed in this show, ar...

It is no secret interest rates are low. Have ten grand in the bank? If you are lucky with a ‘high-interest’ account, at the end of the year, you’ll have made $200 and that’s before the taxman and inflation come calling. We’re also told there are rough waters if you’ve got a few million. The information provided, or any opinions expressed in this show, are of a general nature only and should not be...

Balance, and finding balance. It evokes pictures of rocks stacked upon each other at the beach. It’s something of an ongoing search for time-crunched people. How they can bring balance to various aspects of their lives? The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial...

Produced on 18 Feb 2020. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure s...

Let us see how two global equity markets; the S&P 500 and the UK equity market performed around significant outbreaks like Coronavirus (Covid 19). The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice...

A study by Dimensional Fund Advisors confirms this principle, showing that most fund managers underperform their benchmarks. The results suggest that investors are best served by relying on market prices. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or cla...

Farming is a tough business. If you asked a farmer, given the opportunity, would they add another 20 crops or stock varieties while using the same amount of resources to diversify their income, you could bet they’d take that option. Unfortunately, these are mostly luxuries of scale and determined by location. For a small investor, it’s a different story. The information provided, or any opinions e...

The new and improved Trusts Law will come into effect on 30 January 2021. Readers who are trustees, either in-person or their capacity as directors of Corporate Trustees, will want to ensure they comply with the new laws. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financi...

We invited Rob Douglas from Added Valuation to our studio to discuss all things Hawke's Bay property! Rob is a registered valuer, specialised in the provision of residential, lifestyle, commercial and industrial valuations within Hawke’s Bay. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation t...

A routine task for financial journalists at this time of year is to write a summary of the year in markets. We thought we will give a go too! The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice spec...

The KiwiSaver results are in for the December 2019 quarter and we review how market's high performance boosted our retirement savings accounts, with a detailed look at 2018 downturn. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial produc...

Of all the assets controlled by women, 71% is in cash – aka not invested! Most women don’t think they know enough about investing and growing their savings; therefore, women wait to start investing until they feel more comfortable with investing and taking matters into their hands. The information provided, or any opinions expressed in this show, are of a general nature only and should not be cons...