investments Archives

WHAT IS TERM DEPOSIT LADDERING?

By Garreth Collard, Senior Property Accountant | September 20, 2024

Ladder covered in money representing term deposit laddering in New Zealand, where savings are spread across multiple term deposits with staggered maturity dates.

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…

INVESTING: DON’T PUT ALL YOUR EGGS IN ONE BASKET

By Garreth Collard, Senior Property Accountant | May 31, 2024

Worried businessman clutching a basket full of golden eggs at his desk, with a stock market chart in the background, illustrating the risk of concentrating all your investments in one basket.

Investing: Don’t put all your eggs in one basket. That is old advice, but it holds up. For New Zealand investors, it means one thing in particular. Property is a great asset, but it shouldn’t be the only one you own. This guide explains why diversification matters. It covers what else belongs in a well-built…

INVESTING IN NEW ZEALAND PROPERTY

By Garreth Collard, Senior Property Accountant | April 7, 2024

Coastal New Zealand property with people viewing the deck overlooking the sea and mountains, with a rising growth chart, house and key icons representing investing in New Zealand property.

Investing in New Zealand property: New Zealand has long been a hotspot for property investment, attracting both local and international investors. With its stable political environment, transparent legal system, and strong property rights, the country offers a relatively secure environment for real estate ventures. However, like any investment, property in New Zealand comes with its…

NAVIGATING THE CRYPTO LANDSCAPE: HOLDING, STAKING AND TRADING

By Garreth Collard, Senior Property Accountant | March 7, 2024

Navigating the crypto landscape: Holding, staking and trading; it can appear quite daunting! Cryptocurrency has taken the financial world by storm, offering innovative ways to invest, earn passive income, and trade digital assets. In New Zealand, as elsewhere, navigating the world of crypto can be both thrilling and daunting. Thus, in this comprehensive guide, we’ll…

SHARE MARKET VOLATILITY AND EFFECTS ON PROPERTY PRICES AND INFLATION

By Garreth Collard, Senior Property Accountant | January 31, 2024

an image showing volatility of the sharemarket

For investors, diversification and risk management strategies are essential tools for mitigating the impact of market volatility on investment portfolios.

THE REAL COST OF A RENTAL PROPERTY

By Garreth Collard, Senior Property Accountant | January 20, 2024

Property investors analysing rental property expenses, including rates, insurance, maintenance, and mortgage costs, to calculate the real cost of owning a rental property.

The real cost of a rental property is a question every investor should run the actual numbers on, rather than assuming rent alone tells the story. This guide walks through a full worked example — rent, interest, other costs, and what’s actually deductible today. Then it weighs that real cost against typical long-term capital growth.…

GETTING STARTED IN INVESTMENT PROPERTY

By Garreth Collard, Senior Property Accountant | October 20, 2023

Oftentimes, an LTC is the best way to go. However, there are other factors to consider: Are you single or with a partner? If you have a partner, are you both in the same tax brackets?

HOW DOES MONEY WORK?

By Garreth Collard, Senior Property Accountant | May 30, 2023

How does money work? Money affects almost every decision you make as a property investor. It influences whether you buy a rental property, invest in KiwiSaver, contribute to a managed fund, or consider emerging assets like cryptocurrency. Yet many people spend years earning money without fully understanding how it works. Understanding the answer to the…