Investing is a path to financial independence and building wealth. Yet the reality for many individual investors paints a different picture. The DALBAR Quantitative Analysis of Investor Behaviour (QAIB) 2024 study sheds light on a troubling trend: the average investor…
When it comes to growing your money, term deposits have long been heralded as a safe haven for savings. However, as renowned economist Thomas Sowell says, “there are no solutions, only trade-offs”. In the case of term deposits, we must…
How much do I need to save for retirement? How long will my nest egg last me? How many trips can we afford to take while we are still young enough to travel? These are simple questions that we get…
JANUARY – MARCH 2024 How much do I need to save for retirement? How long will my nest egg last? How many international trips can we afford to take while we are still young enough to travel? These are simple…
As Kiwis, we love property. In fact, homes and real estate make up approximately 43% of total household assets in New Zealand. However, this love affair has started to sour for many indebted investors.
The tax rate for family trusts is increasing from a flat 33% to 39% from 1 April 2024. Many Kiwis use trusts to build their retirement savings or pass on their wealth to the next generation and, without care on…
With the combination of the festive season and the recent spike in interest rates squeezing budgets, addressing the level of debt is becoming a priority for some. Whilst assets that generate income can be legitimately financed by debt that is…
Compounding is one of the most powerful forces in the world. Just ask Albert Einstein, who’s said to have called it the “eighth wonder.” The seemingly small decisions we make every day gain power over time.
Income Tax deductions can be claimed for overseas travel costs but only to the extent that they have a connection with deriving assessable income or carrying on a business.
Our Western culture values the idea of activity – being busy is a badge of honour with people listing the number of things they have scheduled in a day with pride. This is arguably the worst way to approach your…
Logic and history support a commitment to value stocks so investors can be positioned to take part when those shares outperform in the future.
The impact of being out of the market for just a short period of time can be profound, as shown by this hypothetical investment in the stocks that make up the Russell 3000 Index, a broad US stock market benchmark.
If you own overseas shares (excluding Australian-listed companies) that cost more than NZ$50,000 in total, then you may need to follow the FIF (foreign investment fund) taxation rules, which differ from simply including dividends received in your income tax return.…
Philip de Lisle continues his conversation with Chartered Accountants magazine Acuity focusing on current markets and speculative assets.
In an interview with the Chartered Accountants magazine Acuity, Philip de Lisle answered questions many investors have been asking.
