Investment

June 2020 Quarterly Update

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By Shahrukh Abdali, CFA AFA.

The almost too strong rebound..

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…

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…

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…

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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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….

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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.

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,…

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…

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…

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%)…

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…