In these uncertain times it is easy to feel like things are out of control.
It’s important to realise that investment markets are moving up and down all the time – stability is not ‘normal’.
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No one likes to think about what would happen if they developed a serious illness. Optimistically we may believe that while this might happen to others, it won’t happen to us. However, life is not always predictable.
Six months on from our initial Level 4 lockdown we reflect on some learnings during this time.
Your investor risk profile is a combination of both your risk capacity and your risk tolerance and directly affects the type of investment funds or options you should be considering.
As a member of the Wealthpoint network, Core Advice has recently expanded our KiwiSaver offering to provide you with even more choice and investment options.
In addition to the existing AMP and ANZ OneAnswer KiwiSaver schemes, Core Advice can now offer KiwiSaver funds from Booster, Fisher Funds, Milford and Nikko.
Wise words which apply to many things in life. The few dollars saved from buying a cheaper product are soon forgotten when the product is found to be defective, not deliver what you thought it would or need replacing after a fairly short period of time.
Debt. At various stages in life we all need to borrow money in order to buy things – houses, property, a business or a vehicle. But, not all debt is created equal!
If you do need to take on debt, make sure you know the full cost. How much are the repayments, over how long, what are the fees and charges, how much is the interest cost?
Our offices in the Forum remain open and operating under Alert Level 2 requirements. During Alert Level 2, our preference is to work remotely with clients either by phone, email or via Zoom meetings online.
While the rest of the world struggles with Covid-19, Kiwis are fortunate to be living in a bubble and relatively isolated from events overseas. However, this may not always be the case.
If you are selling your home to move into a retirement village, don’t make the mistake of cancelling your home insurance too early.
AMP Life is now proudly owned by Resolution Life, a global life insurance group focusing on the acquisition and management of portfolios of in-force life insurance policies, such as AMP Life.
With the lifting of many restrictions and the move to Alert Level 1, our offices in the Forum are now pleased to be operating under ‘business as usual’ requirements.
No one knows when and where the next financial shock will come from – major events such as we have just experienced from Covid-19, illness or injury, redundancy or a significant change in your circumstances can happen any time.
Although there is much to celebrate as New Zealand begins its journey back down through the alert levels, there are still a number of challenges that lay ahead of us
Everything is a bit up and down at the moment, including investment markets and therefore KiwiSaver balances. Of course, the value of your KiwiSaver investments (and your KiwiSaver balance) goes up and down all the time, but the impact of Covid-19 has seen more movement than usual.
Our offices in the Forum will need to remain closed until the Alert Level for Covid-19 is reduced to Level 2 or lower. During this time we will continue working remotely.
Our offices in the Forum are now closed following the Covid-19 shutdown and we are working remotely.
While we are working remotely our service timeframes are likely to be longer than usual but we will respond as soon as possible.
When investment markets start bouncing around, and especially when they fall, investors can often have a sense of unease or even mild panic. When this happens, it is important to maintain some discipline and ensure you stick to your investment plan.
In changes announced recently, savings in KiwiSaver default funds will soon exclude investment in fossil fuels and the default fund allocation will be a ‘balanced’ fund.
Have you ever stopped to check where that product / food / clothing you just bought was actually made? Where did you buy it from? At your local retailer / provider, out of town or online? There are plenty of reasons to buy local apart from the environmental benefits.