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Investing
When planning for retirement, one of the most common questions people ask is, "How much money do I need?" The truth is, there is no universal answer. Retirement needs are deeply personal and vary based on lifestyle, health, location, and financial expectations.
Market volatility can be nerve-wracking. When prices swing wildly, it’s tempting to react impulsively - selling in panic when markets fall or chasing returns when they rise.
When it comes to industries, the investment industry is one of the more male-dominated around. Because of this, many people just assume that men are better investors. But what if this widely held belief isn't true?
There are heaps of ways to get the kids engaged in a positive way with how money works. Research shows that children who are encouraged to talk about money, are given money regularly and have responsibility for their spending and saving tend to do better with money when they grow up.
A credit report is a record of a consumer’s credit history, such as information about credit applications (known as enquiries), open and closed credit accounts, payment defaults, and court judgments about unpaid debts.
The use of AI in drug discovery has healthcare companies excited, as Milford Investment Analyst Dr Deborah Lambie discovered on her recent visit to the United States.
We know that many KiwiSaver members tend to view this as a long term ‘set and forget’ type of investment. However, circumstances change and what was suitable when joining KiwiSaver may no longer be the case.
A recent study has found that people who work with a professional financial planner feel better off both financially and more broadly. They report having a better quality of life, enjoying more financial confidence and resilience, and feeling more satisfied with their financial situation.
The Retirement Commissioner website at sorted.org.nz provides a great range of free practical information, guides and tools to help you get your money sorted.
The Milford KiwiSaver Plan Conservative, Balanced and Active Growth Funds have been the number one performer in their respective KiwiSaver Fund category over the last ten years according to the latest Morningstar KiwiSaver Survey.
With increasing life expectancy, New Zealand now has a larger portion of the workforce continuing to work past the traditional retirement age of 65. According to Age Concern, in 2013, 22% of New Zealanders over the age of 65 years were in paid employment – an increase from 16.8% in 2006 and 11.4% in 2001.
Can you spot the hallmarks of a fake product disclosure statement (PDS) or prospectus? The FMA is warning investors to be vigilant after seeing an increase in fake investment documents targeting New Zealand investors, an example of how scammers can tailor their approach.
Though you’re likely to be earning more in your overseas job than you would in the equivalent one back home, you’re paying interest on your loan while you’re away. You’re ahead if your overseas job pays more, but only as long as you make regular payments.
The month of August started with a strong performance on the back of a solid July and the understanding that peak inflation data had been priced in by markets.
With Queen Elizabeth II no longer occupying her long-held position as New Zealand’s head of state, what happens now to the image of her head on our cash?
The past month has seen positive returns for all asset classes, this is on the back of economic data indicating that central banks’ actions may be working.
During the month of June, investors became increasingly concerned with the potential of a near term recession, sending markets into a sharp decline, with the S&P 500 down 20% since the start of the year, the worst first half year period in decades.
The global equity market initially continued a downward trend, but then reverted later in the month. Amid April US inflation data exceeding expectations and another month of strong job and wage growth, the US Federal Reserve hiked rates by half a percentage point and indicated similar hikes would occur in proceeding meetings.
Investment fund managers tend to follow either an ‘active’ or ‘passive’ management approach to investing. Both approaches have some fundamental differences in targeted performance and strategy.
Recent geopolitical events, culminating in the Russian invasion of Ukraine are sadly a concerning development from a humanitarian perspective. These developments are also causing significant market volatility and understandably making investors nervous.
