Quarterly Newsletter

Quarterly Newsletter

The third quarter of 2021 generally delivered small positive returns to diversified portfolios. We discuss why a small positive return can sometimes be more reassuring than a large one. We look at the factors and uncertainty impacting growth in the major world...
Why its more difficult transferring Defined Benefits

Why its more difficult transferring Defined Benefits

The UK regulator, the UK Financial Conduct Authority (FCA) in 2016 made it compulsory if you are transferring a Defined Benefit (DB) scheme and it has a transfer value over £30,000 to obtain advice from a FCA regulated adviser prior to transfer. In order to give this...
Socially Responsible or Ethical Investments for your UK pension

Socially Responsible or Ethical Investments for your UK pension

It can be argued that ethical investing dates back to at least 1758 when the Quakers ruled out investing in the slave trade. While there have been ethical screening funds around for more than two decades, socially responsible or sustainable funds have only been around...
Advised clients gain extra 5.2% in returns versus non-advised

Advised clients gain extra 5.2% in returns versus non-advised

The fourth Russell Investments ‘Value of an adviser’ report found preventing behavioural mistakes, advising on asset allocation, optimising cash holdings, tax-effective investing and planning, and expert knowledge were the key benefits of using an adviser....
How much do you need in retirement?

How much do you need in retirement?

Kiwis are generally optimists and poor savers. The majority believe they will be financially independent when they retire and have stopped earning an income. You need more than optimism to be financially independent when you stop earning an income. If you are not...
Scam by Banks – hidden foreign exchange fees

Scam by Banks – hidden foreign exchange fees

If you are using one of the major banks in New Zealand to transfer currency, you are probably being ripped off with hidden fees. While banks may declare a fee for transferring foreign currency, often the real fee is hidden in the exchange rate that they are using. The...
Taxation Increments Table

Taxation Increments Table

You can work out your tax obligation from the table above. Provided you have not opted out you are exempt transfer tax during the first four years, under transitional tax residency status. The table assumes the first 4 years are tax exempt and your tax liability...
Fees for UK to New Zealand Pension Transfer

Fees for UK to New Zealand Pension Transfer

Are you aware of what fees can be charged on your transferred pension? When you enlist the help of a financial adviser, you’ll pay ongoing fees that are based on the value of the total pension amount. To make sure that you’re not paying too much in fees and that your...
The value of a Financial Adviser

The value of a Financial Adviser

According to research conducted by Russell Investments, a financial adviser can add more than 5% to a client’s portfolio. They also found New Zealand advisers add more value to their clients than advisers in the US and Australia. An adviser adds value by defining a...
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