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Investing

Direct Share Holding Often Not The Best Way

A sentence in a recent speech by Reserve Bank Governor Alan Bollard caught my eye. "New Zealanders invest about twice as much in equities (shares) directly compared with managed funds," he said.

Should I Invest In Capital Gains Tax Exempt Passive Funds?

I've had a moderate NZ share portfolio for some years. Partly on your advice, I've invested in a passive fund that has earned tax exempt capital gains.

Should We Buy, Or Should We Rent?

My husband is 65 years and myself 61 years. We have had busy careers, my husband with a large company in Auckland and myself a nursing career as a registered nurse.

When You Want To Stay But The Company Goes

The best laid plans of investors often go awry (to paraphrase and Anglicise Robert Burns). A reader has made "an amused comment" about my recent statement that we should always buy shares with the intention of holding them for at least 10 years.

How Do Bonds Differ From Term Deposits?

We are a lower income couple in our earlier sixties with a mortgage-free home and modest savings towards our retirement. We understand the importance of having our assets diversified, but we are still not very clear about the place of bonds.

Gearing Can Boost Returns, But Also Risk

Gearing - which happens when you borrow to invest - comes at a price. And I'm not only talking about interest. While gearing makes a good investment better, it also makes a bad investment worse. People who gear boost their risk.

Rental Property Tax Breaks Don't Amount To Much

I don't get it. Politicians and economists have been complaining that rental property has tax advantages over shares. It's hardly a new claim. But what are these advantages - beyond depreciation, which is vastly overrated? Let's look at four categories:

Higher Returns Don't Matter For The Short Term - They Need Time To Work Their Magic

There's more than one reason behind the old investment message that goes like this: If you need your money in just a few years invest your savings conservatively, but if you have a longer horizon take more risk.

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