As we navigate through life, our approach to our finances evolve significantly. In the early years, we rely on human capital—our skills and labour—to earn a living. Over time, this gives way to investment capital—the wealth we’ve built and invested…
In an age of robo-advice and AI, it can be tempting to think managing your finances is something you can manage yourself without an adviser. But as in any area of life, seeking and heeding wise counsel can make the…
When it comes to considering how the markets will react to the result of the upcoming American election, it’s worth stepping back from the daily media noise to look over a longer period. Much of the world is watching anxiously…
A financial legacy is more than just the money you leave behind; it is the lasting impact of your financial decisions on future generations and society. Deciding on your financial legacy involves personal choices that reflect your values, beliefs, and…
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…
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…
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…
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.
Bonds have traditionally been used to cushion investment portfolios from the more volatile movements more commonly experienced in equity markets, as well as generating low-risk income or yield beyond what is available in the term deposits market.
Bitcoin – virtual money – has been in the news again lately with the collapse in its price from a high late last year of over $67,000 to just under $30,000 in late May 2022. Having been a candidate for…
Volatility levels can sometimes make investing feel like a rollercoaster but volatility, or risk, in other words, is what allows investors to make returns. Risk and return are closely linked.
The old adage “don’t put all your eggs in one basket” is especially relevant in the context of investments. Relying on too narrow a base of investments is a sure way to increase the risk in your portfolio.
In 2021, the government announced a number of tax changes affecting residential rental property investors. How do these changes apply to you?