A Cure for Alzheimer’s You say?
When it comes to investing, most of us focus on returns and how it will help us with our choices in retirement. Our job as professionals is to assist you with strategies to achieve that. Your money is invested into many assets across New Zealand and the globe, providing you with diversification, spreading the risk […]
House price positives now even stronger
Now that we know the result of the general election, we can all incorporate the slow restoration of interest expense deductibility by mid-2026 into our thoughts about where the housing market is headed. Clearly, the improving cash flow situation for investors will dissuade some from selling and encourage others to look at buying. Their willingness to […]
Riding the Rollercoaster
I recently heard a great analogy. Investing is like riding a roller coaster. There is the feeling of euphoria when hitting the heights, the fear of the falling, the nausea of reaching the bottom and the relief when your carriage starts to climb again, only to do it all over again. Investing is similar with the […]
Have rates peaked? Property Investors are coming back and Political Lolly Scrambles
The Reserve Bank have just reviewed monetary policy and left the cash rate at the 5.5% they took it to late in May. Since then, fixed mortgage rates have risen another 0.25% or so and these rises are at odds with the fresh news for the New Zealand economy. China’s economy is deteriorating, and this […]
Is it time to panic?
Housing weakness has ended This past month has brought further evidence to back the theme in my article four weeks ago that the real estate market is turning. The seasonally adjusted number of dwelling sales in the June quarter was ahead 19% from the March quarter and prices rose 0.7% in June after sitting flat […]
Market Turning
By Tony Alexander During the four weeks since my last column there has been a noticeable lift in general discussion about the housing cycle hitting a bottom. We probably have, but it may be a number of months before we can confidently say exactly which month represented the nadir for average prices. Frankly, it shouldn’t […]
Money Mindfulness
Mindfulness is the basic human ability to be fully present, aware of where we are and what we are doing. It involves not being overly reactive or overwhelmed by what’s going on around us. Money can be the cause of much stress, both personally and within relationships. You can feel like you’re not earning enough, […]
Your Review is about you, not the Rate or the Return
At review time, clients often steer us towards the performance of their portfolio or the interest rates on their mortgage. Although these are important, the best advice we can give comes from understanding as much about you as we can. As Tony Alexander writes below, there’s a lot of different mortgage offers being put forward […]
What should I invest in to get the best return?
The most common question I get asked as a Financial Adviser is “what should I invest in to get me the best returns”? The prospective client usually has something in mind already. You guessed it, property. Property is the most common asset kiwis invest in and everyone who owns property love to share their success. […]
Young buyers are coming back
From Independent Economist Tony Alexander In my monthly survey of mortgage advisers all around the country we can see that first home buyers are moving back into buying mode. Before the shock inflation number of October 18 then the record monetary policy tightening of November 23, a net 48% of mortgage brokers in my survey […]