Investments
OVERSEAS SHARES: SHOULD YOU BE A DE MINIMIS INVESTOR?
Overseas shares: Should you be a de minimis investor? It’s a good question. Learn why staying under the “de minimis” threshold might not actually get you the most tax-efficient outcome. Just before we get into the nuts and bolts of that, here is a high-level overview: Key Points (30 Second Read) Staying under the $50,000…
Read MorePIES vs DIRECT INVESTMENTS: WHAT’S BETTER?
PIEs vs Direct Investments: What’s better? First, let’s check out our high points to look forward to in this read: Key Points (30 Second Read) Should you invest through a PIE managed fund or buy shares and bonds directly? The right answer depends on your tax rate, investment knowledge, and how much time you want…
Read MoreTRUST VS PARTNERSHIP VS COMPANY VS LTC FOR RENTAL PROPERTY
Note also that in the case of rental property owned by individuals, income or loss can only be unevenly distributed if this is what is on the title.
Read MoreHOW CAN I BUILD A FINANCIAL SAFETY NET?
How can I build a financial safety net? (Why should you bother?) Let’s be honest—property investing can be thrilling. The deals, the growth, the passive income… it’s all pretty exciting. But if there’s one thing seasoned investors know, it’s that the market doesn’t always play nice. Interest rates spike, tenants move out, repairs pop up…
Read MoreWHAT’S MY RISK PROFILE?
What’s my risk profile? Why does it matter? When it comes to investing, determining your risk profile is essential. It guides your investment strategy by helping you align with your financial goals, capacity, and comfort levels. This article will explore what a risk profile is, the factors that shape it, and how you can assess…
Read MoreINVESTING IN MANAGED FUNDS
Investing in managed funds is an increasingly popular investment option for New Zealanders looking to grow their wealth. Whether you’re saving for retirement, planning a big purchase, or simply aiming to grow your financial portfolio, managed funds offer a diversified, professionally managed solution. However, as with any investment, it’s essential to understand both the benefits…
Read MoreWHAT IS TERM DEPOSIT LADDERING?
What is term deposit laddering? Well, when interest rates move up and down, choosing the right term deposit can feel like a guessing game. Lock your money away for too long and you might miss higher rates in the future. Keep everything in short-term deposits and you might miss out on the better returns that…
Read MoreTHE NUMBER 1 MOST EFFECTIVE TACTIC FOR SAVING MONEY
The number 1 most effective tactic for saving money. What is it? First, some background: Most New Zealand property investors spend a lot of time thinking about how to make money. They analyse rental yields, compare mortgage rates, review maintenance costs, and search for the next investment opportunity. Far fewer investors spend time thinking about how…
Read MoreHOW TO BUILD A RENTAL HOLIDAY HOME PORTFOLIO
How to build a rental holiday home portfolio is a question that is on the minds of many. The holiday / vacation rental market offers an enticing opportunity for entrepreneurs aiming to capitalize on the burgeoning travel industry. Launching such a business involves strategic planning, understanding operational nuances, and a commitment to delivering an exceptional…
Read MoreWHY USE A LOOK-THROUGH COMPANY?
Why use a Look-Through Company? In New Zealand, a Look-Through Company (LTC) is a special type of company that allows its income, expenses, tax credits, gains, and losses to be passed directly to its shareholders. Here are the benefits of using an LTC for New Zealand investors: 1. Flow-Through Taxation Pass-Through Income and Losses:…
Read More