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Here you'll find a selection of useful finance tips about saving and investing from 2007.
Come New Year’s Day, millions of people up and down the country will be pondering their resolutions for the year.
Question: I'm a conservative investor and have my money with the bank earning interest. Currently I have money in the RaboPlus one month term investment of 8.00% p.a. and a small amount for on call purposes if required. What is the advantage of investing my money with various funds as opposed to what I'm currently doing now?
The biggest barrier to investing is often an individual's own psyche. Whilst markets might be efficient, investors are held back more by what's between their ears.
Take a trip to the supermarket these days and you'll find that even the peanut butter and tinned fruit are imported from China. Or, if you telephone customer support at a large corporate you may be directed to a call centre based in India.
KiwiSaver has been launched with various incentives attached designed to encourage New Zealanders to save for retirement.
Wouldn't it be great to buy all of your investments at rock bottom prices just after a market crash. Unfortunately not even economists can predict for sure when the bottom and top of markets are with us.
If you think about your monthly take-home pay as a single figure it probably sounds impressive. But we all know that no matter what we earn it's a cinch to spend it all and more.
Most people accept the "conventional wisdom" about the benefits of investing in residential property, and know how to do it.
Have you ever wanted to invest in property, but can't face the idea of dealing with tenants? The answer might be putting your money in a pooled property investment such as a managed fund.
Your house is your biggest investment, so why not make some money from it? Here are some ideas on how to milk your home and garden for cash.
You've seen the adverts: the class buffoon marries your daughter. Sure enough three years down the track he divorces her and swans off with half of her inheritance.
In a word, the March quarter was "volatile".
Time makes your money multiply and if there's one thing children have up their sleeve it's time.
Hands up anyone who wants his or her kids to go from piggy bank to plastic cards without passing go?
Investing in managed funds can offer investors access to unique investment opportunities, a more diverse savings portfolio and the potential for higher returns. However, any investment contains an element of risk. In order to ensure your investment needs and objectives are met, it is important to understand the relationship between risk and return and how it relates to the performance of your investment. This will help ensure that saving and retirement goals do not fall short of expectations over the long-term.
It's just a few cents, you might think when you swipe your Eftpos card, or withdraw cash from a hole-in-the-wall machine. But these fees along with disappearing interest rates and bonuses can really add up to a lot of lost money over your lifetime.
Returns from stock market funds can be dazzling, often higher than you could hope to get from a savings account. But what many investors don't know is that much of the profit can be eaten up by fees.
Tax changes to benefit investors in New Zealand-based managed funds apply from 1 October 2007 with respect to managed funds under the new Portfolio Investment Entities (PIE) tax regime. For direct offshore investors the tax changes take effect from 1 April 2007; however the focus of this article is exclusively managed funds, such as those RaboPlus offer.
It's easy to forget that there are far better assets to own than cars. The theory of "Bangernomics", found at www.bangernomics.com suggests that chosen well, an old banger is much kinder on your wallet in the long run than a late-model car. That's mainly thanks to the fact that someone else has weathered the depreciation.
Mention the word "haggling" and most people think of third-world markets or second-hand cars.
Last year provided solid returns for investors in most asset classes, particularly global shares and property, despite a rocky period mid-year. This year, while we may see similar periods of volatility we believe investors can continue to expect good returns. Here we look at what is likely to be in store for investors in the coming year and, most importantly, how to position portfolios to take advantage of these items.
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