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A simple explanation of volatility and prices
The value of shares goes up and down a lot, and all this volatility creates uncertainty for investors. It’s not very clear, for most investors in shares, exactly what the value of their share...
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Diversification – don’t leave home without it
Insurance and portfolio management have a lot more in common than most people think. Imagine for a moment that you own an insurance company and your entire portfolio is made up of ten very big...
View ArticleNZ fixed income – should investors choose funds or direct holdings?
Financial advisers and private client advisers at banks and broking firms have a long history of buying fixed interest securities as direct holdings for their clients. However, over recent years there...
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Expectations vs Reality
You catch the news on the way into the office. Yesterday the market reached a 10% low relative to its last peak. Immediately in your mind you begin to filter your clients and prospects. Some will...
View ArticleA Vanishing Value Premium?
Weston Wellington Vice President, Dimensional Fund Advisors Value stocks underperformed growth stocks by a material margin in the US last year. However, the magnitude and duration of the recent...
View ArticleWhy is your money invested that way?
Recently, a financial advisor shared a story about a prospective client. The client had a problem. He didn’t like how heavily his portfolio was invested in the stock market. The risk just felt as if it...
View ArticleNumbers don’t need to be king
Imagine you’re sitting in an auditorium full of all kinds of people. Everyone is there to learn about what to do with his or her money. All of a sudden, the door to the room opens, and in walks the...
View ArticleRegret less, act on your wish lists now
On your deathbed, it’s too late to make wish lists. That’s the thought that went through my head high over the ocean, willing the plane to go faster as I rushed thousands of miles back to New Zealand...
View ArticleRetiring the Idea of Retirement
In all my years of working with clients, I can only think of two people who wanted to retire in the traditional sense. Retiring the Idea of Retirement The concept of retirement, as we understand it...
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What’s Your Track Record?
Traveling as you frequently do, you find yourself sitting next to another guy in a suit on a plane for an hour or so. Chit chat soon turns to, “So, what do you do?” As someone who works in the...
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