Posts Tagged ‘useful’
WHAT’S MY RISK PROFILE?
What’s my risk profile? It’s a genuinely important question. Property investors often answer it incorrectly, though — not because they misjudge their own personality, but because property itself changes the maths in ways generic investment advice doesn’t cover. This guide explains what a risk profile actually measures. It covers why leverage, illiquidity, and concentration mean…
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 MoreRETIREMENT PLANNING – HOW TO ESCAPE THE POVERTY CYCLE
Start Early: The earlier you begin saving for retirement, the more time your investments have to grow. Even small contributions can compound over time, significantly boosting your retirement fund.
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 MoreWHAT IS A LOOK-THROUGH COMPANY? (LTC)
What is a Look-Through Company? This structure — an LTC — is a unique business structure in New Zealand. It combines the legal benefits of a limited liability company with the tax advantages of a partnership. Introduced in 2011 as a replacement for the Loss Attributing Qualifying Company (LAQC) regime, LTCs allow income and…
Read MoreRESIDENTIAL CARE SUBSIDY AND GIFTING
Previously, the country’s lawyers had advised people to gift no more than $54,000 per couple per year so that they wouldn’t be accused of excessive gifting when it came time to be assessed for a residential care subsidy. If your assets come under certain figures the Govt. will subsidise your rest-home care.
Read MoreFINANCIAL BLIND SPOTS THAT HOLD GROWING BUSINESSES BACK
Financial blind spots that hold growing businesses back: is that even “a thing”? Sadly, yes. Small business owners face a distinct financial reality where every decision carries more weight than it would inside a larger organization. Cash gaps, unclear pricing, and reactive planning often emerge not from poor intent but from limited time and overstretched…
Read MoreHOW DO YOU SET UP AN LTC?
Who will be the company directors?
How many directors will you have?
Who will be the shareholders?
How many shares will they own?
INVESTING: DON’T PUT ALL YOUR EGGS 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…
Read MoreHEALTHY HOMES STANDARDS NZ
Healthy Homes standards NZ: what are they? If you own a residential rental property, complying with the Healthy Homes Standards is not optional(opens in new tab). Every private rental property must meet minimum requirements for heating, insulation, ventilation, moisture control, and draught stopping. Failing to comply can expose landlords to tenancy disputes, financial penalties, and…
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