Insights

December 2023 Quarterly Update

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By Shahrukh Abdali, CFA

Most share markets had a strongly positive quarter after a materially negative third quarter. This was largely driven by optimism around declining inflation potentially leading to an easing in the policy stance of central banks

WHY INVEST IN MARKETS WHEN TERM DEPOSIT RATES ARE 6%

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In this webinar presented by Saturn Advice, financial experts Joyce Yu, Financial Adviser, and Peter Dine delve into a comprehensive discussion addressing the continued relevance of investing in share markets, especially in light of the option for investors to attain a 6% per annum return...

Maximising KiwiSaver Across your Lifetime

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KiwiSaver started back in 2007 so has been available to eligible Kiwis for 16 years. However, average balances remain worryingly low at only $27,379* with many Kiwis not currently contributing. While the current cost of living crisis may have forced some to prioritise

September 2023 Quarterly Update

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By Shahrukh Abdali, CFA

Most share markets had a materially negative quarter after a strong first half of the year. This was largely driven by investors pricing in the higher rates remaining high for longer than previously anticipated as inflation appeared to be bucking the downward trend.

Novo Nordisk – A European Blockbuster Story

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One of the big stories in health (and markets) in 2023 has been the new GLP-1 agonist class of drugs. Ozempic was the original blockbuster medication for Type 2 diabetes sold by Danish company Novo Nordisk. Then came Wegovy from the same company, which contains the same active ingredient but is FDA approved for chronic weight management. Novo Nordisk’s share price has increased by 36% since January this year and its operating profit is up 32%. The major limiting factor is the company’s ability to keep up with the huge demand and addressable market.

2023 Midyear Outlook Webinar: Finding the Signal Through the Noise

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In the wake of 18 months of tumultuous markets, it's natural for investors to feel disheartened. But let's reflect for a moment—what if this momentary setback is actually a gateway to fresh possibilities? What if as the sharemarket sheds its excess and when the tough...

June 2023 Quarterly Update

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By Shahrukh Abdali, CFA

The World Bank expects the global GDP growth to decline to 2.1% in 2023 down from 3.1% in 2022. The main reason cited for this downward revision is the lagged impact from the monetary policy tightening implemented by most central banks across developed economies. The World Bank expects GDP growth to start to recover in 2024.

Avoiding Investment Scams

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“Gutted’ pensioner loses $150k in bogus HSBC-branded ‘eco bond’ investment scam”

“No red flags. Heartbroken realty agent loses $100k in elaborate finance scam”

The long game: how to plan for a healthy and wealthy future

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Saturn financial advisers Jean Strock and Joyce Yu explore how to live a long and healthy life with behavioural change coach, Dee Hunter. Jean also talks about the cost of age care in New Zealand and why it is important to have a retirement plan that could last 30+ years.

March 2023 Quarterly Update

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By Shahrukh Abdali, CFA

Most share markets had a surprisingly strong start to the year, albeit with heightened volatility. January was one of the strongest months for share markets since 2020 driven by hope that the worst of the current downturn may be in the rear-view mirror. However, the higher-than-expected US inflation rate for January brought the realisation that we are not out of the woods yet. During March, investors saw the ghosts of the Global Financial Crisis in 2008 with two regional banks failing in the US followed by a forced merger of Credit Suisse into UBS. Despite the turmoil, share markets managed to close out the quarter materially positive

How good are term deposit rates right now?

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On the surface, the interest rates on term deposits look pretty good, certainly better than they have been for many years. They also look better than the short-term returns from residential property or a diversified portfolio as these assets have generally been repriced downwards because of rising interest rates and other factors.  

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How one small business owner retired in style: An interview with Anna

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Introducing an exclusive interview with a remarkable retiree! Meet our client, Anna Blattler, who after obtaining a doctorate degree in biology, ventured into the unexpected world of running a successful holiday park business for over three decades. Discover how she got into the business, what...

Investment Opportunities and risks for 2023

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Attention investors!👀 If you thought 2022 was rough, you're not alone.📉 With assets across the board taking a hit, it was a year to forget. Fatigued investors are hoping for better times💪 Join Shahrukh Abdali, a financial adviser and CFA Charterholder, as he shares his expert insight...

A new year’s resolution for investing in 2023

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2022 was brutal for investing with many investment markets significantly lower at the end of the year than they were at the start. Take your pick. The New Zealand share market was down 12%. Globally, share markets were down by a similar 11.4%. Fixed interest investments didn’t fare any better. Our local fixed interest market was down 7.8% and the global equivalent was down 11.7%. Even worse, local and global listed property trust indices were down by more than 22%. New Zealand residential property, the “go to” investment for many Kiwis, wasn’t immune either.

December 2022 Quarterly Update

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By Shahrukh Abdali, CFA

Most share markets closed the year significantly lower than the start of the year. While it has been a challenging year for investors, it is worth noting that the negative performance in 2022 was preceded by the strongly positive 3-year period of 2019-21.

Managing Investments During Volatile Times

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2022 has been one of those years where markets have moved a lot and mostly in a downward direction. There haven’t been many places to hide with shares, property and fixed interest markets all falling. Many share markets have been in “bear market” territory falling more than 20% from their peak in the last 12 months. This is not in itself unusual. In the US, the S&P 500 index has been in a bear market 22 times in the last 94 years.

Retirement planning in your 60s

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If you are in your 60s, you might be gearing up for retirement. As you wade into the retirement water, there is often an emotional cocktail of relief, excitement and anxiety. There are some common themes we have observed that keep people up at night....

The Santa Claus Rally – truth or myth?

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Historic market returns for the month of December show there is some basis to the Santa Claus rally.
The rally typically occurs over the last five trading days of the year and the first few of January. First identified by Yale Hirsch in 1972, the S&P 500 had gained an average 1.5% across those days from 1950 to 1972. Since then, the gain has occurred in 75% of subsequent years.

Retirement planning in your 50s

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What are your top concerns related to money? We know many people desire to be RETIREMENT READY but don’t know where or how to start. Saturn Financial Advicers, Jean and Joyce have put together a video to demystify retirement planning by talking through a few...

September 2022 Quarterly Update

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By Shahrukh Abdali, CFA

Most share markets had a rollercoaster of a quarter starting with a strongly positive July and ending with a deeply negative September. Overall, the declines later in the quarter dominated to result with

Surviving the Bear

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It has been a grim year in investment markets where overcooked asset prices have rapidly deflated. No asset class has been spared. We expect equities to be volatile but bonds, which theoretically cushion us through equity sell offs, have added to the pain. Property prices are also correcting.

Can you Start a Regular Savings programme?

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Many clients use their portfolios to provide a regular monthly income throughout retirement. Others prefer to take lump sum withdrawals from time to time and yes we do hope to see cruise ships berthed at Princes Wharf again soon!

Mid Year Outlook Webinar

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The first half of 2022 has certainly been difficult for investors. We have seen high inflation, Russia’s invasion of Ukraine and rising interest rate lead to a bear market for equity and the worst bond market we have seen literally in decades. In this webinar,...

June 2022 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

Most share markets continued to decline through the quarter to record the worst performance in decades for the first half of a year. Although the current drawdown is still not the deepest in terms of the decline from the last peak, it is one of the most widespread affecting almost all sectors and most geographic regions.

Financial wellbeing for women

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In this video, Jean Strock, Senior Financial Adviser at Saturn Advice, sat down with Lisa Dudson, one of New Zealand's leading personal wealth educators and Louise McConnell - accountant and a mother of two discussed financial wellbeing for women. Watch

How to Include Foreign Income when filing a simple individual income tax return?

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Inland Revenue Department requires income tax return to be filed by 7th July each year, unless you have an extension of time or a tax agent. In this video,  Jean Strock, a Saturn Advice Financial Adviser and Abhi Jagwani, a Chartered Accountant from MyTaxCA, step...

March 2022 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

heightened volatility bites

What has gone wrong with Biotech?

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Biotechnology was the red hot investment sector of 2020 as new mRNA technology was harnessed to develop Covid 19 vaccines in record time. Since peaking in February 2021 the healthcare sector and biotechnology in particular, has been ‘a dumpster fire’ according to one commentator, significantly underperforming the S&P 500 index.

Saturn Contributes to ESG Research

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By Peter DIne.

The Climate and Energy Finance Group from the University of Otago has just released a research report on the responsible investment (environmental, social, governance; ESG) policies and strategies of global equity funds available to Australasian investors.

Navigating a more selective market- the investment outlook

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Discussion around the Navigating a more selective market- the investment outlook is available for you to watch. Watch

Share Markets Are Down: Don’t Panic Captain Mainwaring

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It has been rough start to 2022 for financial markets following a year where many share markets such as the US reached record highs.

December 2021 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

Normalisation following the strong recovery

Changes to NZ Superannuation Eligibility

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Up until now New Zealand Superannuation has been universally available to anyone over 65 ordinarily resident in New Zealand on the date of application, who is a NZ citizen or has residency.

Retirement Planning – Are you on track

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Discussion about if your retirement planning is on track is available for you to watch. Watch

Let’s talk about money for working professionals- How to save and how to invest

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Discussion about money for working professional - How to save and invest is available for you to watch. Watch

September 2021 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

Normalisation following the strong recovery

The Only Free Lunch in Investing

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On 17 August New Zealand registered a community case of the delta strain of Covid 19 and re -entered a Level 4 lockdown. On 5 October Auckland received modest relief with a “lighter” version of Level 3 but the lockdown is still very restrictive with restaurants, hairdressers and gyms still closed. Across the ditch New South Wales, ACT and Victoria are dealing with their own versions of lock down but hopefully seeing the light at the end of the tunnel as vaccination rates rise.

Investment Committee – The Process for making good investment decisions

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Discussion around the investment committee of Saturn Advice and our Investment Philosophy is available for you to watch. Watch

June 2021 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

recovery continues

Around the world in 60 minutes- The investment outlook

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Discussion around the performance overview and outlook of different asset classes. Our webinar on "Around the world in 60 minutes - The investment outlook" is now available for you to watch. Watch

Are listed property funds good alternative for property investors?

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Regulatory changes affecting residential property investors. What are the options? Our webinar on "Are listed property funds good alternative for investors" is now available for you to watch. Watch

Navigating the new tax laws for property investors. What are your options?

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Impact of recent tax changes on residential property investors. Are there opportunities in other asset classes? Our webinar on Navigating the new tax laws is now available for you to watch. Watch

Investing in a Post Covid-19 World

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By Lance Dawber-Ashley, Financial Adviser – 24 June 2021 Covid-19 has affected all of us in one way or another. Naturally, we’ve focused on how it has affected the livelihoods, health and wellbeing of ourselves and the people around us, but it has also impacted…

March 2021 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

A bumpy ride to normality?

What is portfolio liquidity and why is it important?

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One of the advantages of an investment portfolio with Saturn is the ease of setting up a regular payment or withdrawing a lump sum from your portfolio.

Saturn recognises Alistair Pirie’s achievement at Saturn

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It was with relief that in late December we finally got to acknowledge Alistair Pirie’s contribution to the Saturn buisness.

December 2020 Quarterly Update

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By Shahrukh Abdali, CFA

Light at the end of a long tunnel?

Spring clean your finances in 6 steps

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As we emerge from the Covid winter of discontent, spring is a great time to review your financial situation with this quick six point checklist. 1) What are your financial goals? What, when, how? Do you want to be mortgage free 5 years earlier, retire,…

Will the new Trusts Act lead to an exodus of family trusts?

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The new Trusts Act 2019 comes into effect on 30 January 2021 and there are important implications for most trusts including family trusts. The Act governing upward of 500,000 trusts in New Zealand replaces the Trustee Act 1956 which has been in place for more…

September 2020 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

the rebound continues albeit volatility returns…

June 2020 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

The almost too strong rebound..

How’s Your Financial Resilience? – A Reality Check

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By Glenn Weston, AFA – 2 July 2020 How are you thinking and feeling about your financial affairs in these uncertain times? Financial resilience is your ability to adapt and survive financial hard times. Many of us will face money troubles at some point in…

Are Fees Stopping You From Getting Financial Advice?

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The subject of fees can be a distraction when it comes to deciding whether or not to seek financial advice. No question, fees are an important consideration, but like most things in life its more about getting value for money.

Saturn Advice’s Approach to Responsible Investing

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By Peter Dine 23rd June 2020 Responsible investing has historically been the domain of groups or individuals with very strong ethical views governing what they will (or more likely will not) invest in. Socially Responsible Investing and Ethical Investing are sometimes terms used to describe…

Is now a good time to invest during COVID-19?

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Its always a good time to invest for your future. However, this needs to be qualified because the answer is a personal one.

Short term behaviours can negatively affect long term returns

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  By Steve Baker, Authorised Financial Adviser, 22 April 2020 It is a perfectly normal human emotion to feel concerned or even stressed during times of extreme share market volatility, as we have been experiencing during the last couple of months because of Covid-19. After…

March 2020 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

Sudden end of the 11-year long bull market…

What makes a good advice firm?

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An Adviser’s perspective – Glenn Weston, AFA 18 February 2020 Tap-dancers need not apply…they may look and sound the part but seldom contribute to the bottom line! When meeting new clients for the first time, I ask: “Is this a new experience for you?” because…

Financial Pandemonium? How the past provides insights on managing the financial impact of COVID 19

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As markets grapple with a government mandated shut down of economic activity in response to Covid 19 it is interesting to look back at previous market crashes to put this one into perspective.

The risk of turning up late to the party

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By Alister Pirie, AFA Based on my experience as a Financial Adviser over the past 31 years, financial advice firms usually receive strong inflows of funds leading into a market correction or crash. Many potential investors sit on the side-line watching equity markets rise during…

Can I lose everything?

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  By Jean Strock AFA We are experiencing a classic Black Swan event in the markets, defined as an event that is unexpected, has a major impact and is difficult to predict. Certainly we never foresaw New Zealand being in a state of emergency and…

The value of financial advice

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POSTED ON 9/1/2020. ARTICLE BY PETER DINE   When it comes to financial advice, one of the most common questions we get asked by prospective clients is “how much will it cost”. It’s a very valid question. After all, as an impartial and fee based…

Is the Novel Coronavirus infecting your investments?

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By Peter Dine, 9 March 2020 The news is currently dominated by the Novel Coronavirus (COVID-19). It’s a highly contagious disease which has spread to around 50 countries and has infected more than 110,000 people around the world. China accounts for more than 70% of…

December 2019 Quarterly Update

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By Shahrukh Abdali, CFA AFA

Soft returns close out an otherwise positive year…

The retirement income gap – will a ‘No Frills’ lifestyle be good enough for you?

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The Westpac Massey University Fin Ed Centre has released its 2019 New Zealand Retirement Expenditure Guidelines showing a continuing shortfall between NZ Superannuation and actual household expenditure. A two person household in provincial New Zealand had the smallest income gap while households in Metropolitan areas…

KiwiSaver savings – early access fish hooks

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By Jean Strock, AFA   KiwiSaver schemes have been successful in getting Kiwi’s engaged with and actively saving for their retirement. The FMA KiwiSaver Annual Report 2019 identified 2.9m people invested in KiwiSaver schemes as at March 2019 with total funds under management of $57bn,…

Fixed interest investments. Are you being compensated enough for the risks?

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POSTED ON 16/12/2019. ARTICLE BY PETER DINE Did you know you can actually get a negative return from fixed interest investments? After all, they are supposed to be the safe part of an investor’s portfolio! Well generally they are, but it’s important to understand the…

Overcoming fear when markets fall

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Most of us would like to think we make rational investment decisions, right? Well here’s a chart courtesy of Russell Investments suggesting the opposite happens in practice. The area circled on the right hand side shows a big dip in the US share market in…

Why its important for investors not to react to attention grabbing headlines

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POSTED ON 21/08/2019. ARTICLE BY PETER DINE   “There’s no news like bad news”. Elliot Carver, media mogul and villain in the 1997 James Bond Movie, Tomorrow Never Dies. There’s no shortage of commentary on the state of the global economy and markets. And there’s…

Managing Longevity Risk – living a long life without running out of money!

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We all want to live as long as possible, right? Yet many of us worry that we will outlive our nest egg, potentially scrimping and saving throughout the extra years that medical science and healthy living have made possible. Longevity risk is the adverse financial…

Property

Where to invest if not in property?

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This article is last of a series aimed to address some of the common questions regarding investing in New Zealand residential property. I hope the information provided will be useful to readers when contemplating financial decisions. Note the information provided is not personalised financial advice…

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Value of the pound affecting your UK pension transfer decisions?

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Featured post written by Steve Baker AFA, 29 March 2019*   Uncertainty around Brexit and how this could affect the value of the British Pound is a serious consideration for those now living in New Zealand but with sterling assets remaining in the UK. This...

OCR Cut

Impact of the OCR cut

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On 8th May 2019, the Reserve Bank of New Zealand (RBNZ) lowered its Official Cash Rate (OCR) from 1.75% to 1.5%, the lowest in New Zealand history. That has implications for both borrowers and investors. Mortgage rates The retail banks (e.g. ANZ, Westpac, BNZ, ASB)…

Winning Lotto

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Imagine winning lotto – something most of us do when we purchase that luckiest of tickets allowing us to drift into a pipe dream and consider what we would do if we actually did win! The extended overseas trip, no wait for the new car,…

September 2019 Quarterly Update

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Our September 2019 markets summary is now available to download. Download

March quarterly update

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Our March 2019 markets summary is now available to download. Download

Princes-Wharf

What we mean by creating a richer life

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Through our financial advice and portfolio management we help our clients to make money, but on its own money is just a ledger entry or a pile of notes and coins. It is how money enables us to live the life we want that counts….

cashed-up

Unhappy investing with your bank but need advice you can trust?

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If you’ve been following the financial press you may have read about the Royal Commission and its review of misconduct in the banking, superannuation and financial services industry in Australia. You may have also heard about the Reserve Bank (RBNZ) and Financial Markets Authority (FMA)…

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Addressing the gender pension gap

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KiwiSaver started on 1 July 2007 yet already there is a significant gap between the balances of men relative to women and this gap is growing rapidly.

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Cashed up and investing in bank deposits isn’t rewarding enough?

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For many New Zealanders the perennial favourite places to invest are residential property (own home and rentals), and term deposits. Statistics from the RBNZ show that house-holds collectively invested $174bn in deposits with registered banks as at September 2018.

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When is it a good time to invest?

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This is an often asked and loaded question, a bit like asking how long is a piece of string, and the answer is “it depends….”  It depends on a lot of factors including what your future goals and investment objectives are. Without delving into specifics there are a couple of principles worth exploring.

cfa

CFA Society New Zealand – Associate Membership

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The Saturn business has made a commitment to professional standards and ethics in finance by applying for associate membership of the CFA Society New Zealand for all of its Advisers, Directors and administrators. In addition Saturn has two CFA Charterholders on staff, Operations Manager Byeongguk…

Investing in residential property when prices are flat

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This article is part 3 of a series aimed to address some of the common topics our clients ask us to comment on. I hope the information provided will be useful to readers when contemplating financial decisions. Note that the information provided is not personalised…

Are Global Equities Running Out of Steam?

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Platinum Presentation to Saturn Clients, 1 August 2018 By Peter Dine, General Manager   There is no shortage of people trying to predict the down turn of stock markets. A quick google search is a testament to this.  Furthermore when it comes to financial markets,…

Implications Of Government Policy Changes For Investing in Residential Property

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  by Shahrukh Abdali, AFA, CFA This article is the second of a series aimed to address some of the common topics our clients ask us to comment on. I hope the information provided will be useful to readers when contemplating financial decisions. Note that…

What’s driving capital gains in residential property?

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by Shahrukh Abdali, AFA, CFA This article is the first of a series aimed to address some of the common topics our clients ask us to comment on. I hope the information provided will be useful to readers when making financial decisions. Note that the…

Appointment of General Manager – media release

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Managing Director of Saturn Portfolio Management, John McConnell is pleased to appoint Peter Dine to the newly created position of General Manager of Saturn’s financial advice business. Mr McConnell said that “Saturn Portfolio’s financial advice business had grown strongly following the acquisition of the local Van…

2016 Responsible Investment Association Conference, Auckland

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By Jean Strock, AFA Several Saturn advisers attended the 2016 Responsible Investment Association Australasia (RIAA) conference, conveniently located opposite the Auckland office at the Hilton Hotel. The two key note speakers at this year’s conference were Simon Mackenzie the CEO of Vector Energy and Bronwyn…

Ethical Investing: ” from the margins to the mainstream”

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For many years ethical or responsible investment was synonymous with poor returns.  Multiple studies now show that conforming to Environmental, Social and Governance (ESG) principles can have a positive impact on a company’s financial performance. How can ESG factors improve investment performance? ENVIRONMENTAL: attention to…

XX The High Cost Chromosome

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by Jean Strock AFA On Friday 15 July, I attended XX The High Cost Chromosome, a forum hosted by the Retirement Policy and Research Centre at the University of Auckland Business School. The forum examined the financial and retirement issues facing women who over their…

Digging a Deeper Hole: UK Pension Schemes and the Implications of Brexit

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Steve Baker, Authorised Financial Adviser, Saturn Advice The UK’s Brexit vote has wide ranging implications in a number of areas. In this article, Steve investigates what this might mean for UK Final Salary Pension Schemes. The UK Pensions Minister, Ros Altmann, has been quoted as…

Brexit Commentary by Platinum Asset Management

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27 June 2016 The decision by the British people to withdraw from the European Union (EU) took markets by surprise.  Yet, it did not occur in a vacuum. Britain’s vote to leave the EU needs to be seen in the context of a confluence of global…

Brexit – by Harbour Asset Management Research

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Brexit Brexit has shocked capital markets – markets had not been positioned for a British vote to leave the European Union (EU). While risk assets have been sold off we expect volatility to continue in the near term. The potential Brexit process: A full technical…

What’s next? Brexit commentary from Bevan Graham, Chief Economist of AMP NZ

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Britain’s decision to exit the European Union (“Brexit”), followed swiftly by UK Prime Minister David Cameron’s resignation, creates considerable economic and political uncertainty. It will be some time before we know all the answers. The negative market reaction to the narrow victory (52% vs 48%)…

Craig Goes to Omaha

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Chairman of Saturn Portfolio, Craig Stobo, accompanied a group of Elevation Capital executives and investors to the Berkshire Hathaway ASM in Omaha, Nebraska in April.  The Annual Shareholder Meeting takes place in the huge Century 21 basketball stadium. This year’s meeting was full, but unlike…

It’s a great time to be a regular saver!

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Buy Low and Sell High is the holy grail of investment strategies, yet one that is notoriously difficult to get right. Few successfully predict the ‘bottom’ of the market and you risk being out of the market altogether when those early rallies occur. Rather than…

Investing in Infrastructure

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By Jean Strock, AFA The World Economic Forum estimates that there is a global spending deficit of USD1 trillion per year (and growing) on basic infrastructure such as power, water, transport and communications. This applies to both developed and emerging economies. India is one country…

Don’t Fall Over the Retirement Cliff

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In late 2012 the US was preoccupied with an impending ‘fiscal cliff’- a combination of spending cuts and new taxes that had the potential to take $600 billion out of the US economy and push it into recession. It is possible for New Zealanders to…

The Lifetime Habits of Centenarians

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By Jean Strock, AFA When we talk about retirement planning one of the issues we now face is how much longer a retirement nest egg has to last. A 65 year old man today could live on average to age 86 and a female to…