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Why many Kiwis are not saving enough for retirement (and the few people that are) At InvestNow, the more data we see about Kiwis approaching retirement, the more we see how many people are financially unprepared for their later years. Many people don’t know if they are prepared or not, but the minority that are…

How tax implications influence investment decisions Welcome to our September 2024 Manager's Perspective. Each month, InvestNow reaches out to selected investment managers with questions about our monthly theme. This month, we've asked Harbour Asset Management and Pie Funds to share their insights on how tax implications influence investment decisions. You'll find our questions and their…

We recently surveyed our customers and were surprised to see that 38% of respondents don’t know what taxes apply to their investments. The survey, which we ran last month, showed a startling lack of awareness or consideration of how tax impacted the performance of their investments. Only 30% of respondents said they knew the types…

I’ve heard a few times recently where financial advisers have said they don’t take tax into account when making investment recommendations. I find this really odd. In designing any portfolio your objective is to provide future funding to pay future liabilities, or in other words, expenses. Given that you can only use after-tax dollars to…

One of the first tips any adviser will give to someone investing for retirement is to ‘start early’. The sooner you start, the more you’ll earn and the bigger your nest egg will be. But how much bigger exactly? And what are the barriers that stop people investing early? Investing early We ran three scenarios…

It’s cybersecurity week, and to support investors staying alert online, InvestNow GM Mike Heath offers his best tips for avoiding investment scams in today’s environment. In 2024, it’s vital any investor - or anyone at all - takes a vigilant approach to protecting themselves from scams. MBIE figures show New Zealanders lost nearly $200 million…

According to the Financial Markets Authority (FMA), New Zealanders made around 500,000 individual changes to their KiwiSaver investments last financial year. While changing your KiwiSaver investment approach is theoretically free, the snail pace at which it happens can result in some significant costs to investors. There are two main ways people make changes to their…

A shockwave is due to roll over New Zealand trusts in just a few weeks, adding on average more than $22,000 to the annual tax bill of the estimated 44,250 trusts caught in its wake - unless they take action now. Due to come into force on April 1, the well-signalled jump in the trustee…

The InvestNow Guide To Currency Hedging: The Impact of Foreign Currency on Investments Important information  This article is provided for general information purposes only. It is not financial advice and is not a recommendation to buy, sell, or hold any particular investment or to adopt any specific investment strategy. The information in this article does not…

"Buy low, sell high" is the standard advice for generating capital returns on investment assets, however, this advice doesn't provide practical guidance on how to actually spot the ideal buying and selling opportunities.   In today's fast-moving and increasingly volatile market, it's a full-time job attempting to time the market, and even still it's a mighty…

Thoughts on short-term money storage options: Why managed cash PIE funds are a no-brainer for Anthony Edmonds Investors need to think carefully about the best place to park their lazy money as interest rates rise well above neutral and drive up nominal returns for cash. We asked InvestNow founder, Anthony Edmonds, to explain his journey…

Will your KiwiSaver balance be sufficient to cover your retirement lifestyle?   According to a study done by Massey University in 2022, a single person retiring at the age of 65, assuming they live until 95, will need a lump sum of around $1m to $1.2m just to be able to afford a simple retirement lifestyle,…