A research paper published in August 2023 and funded by Te Ara Ahunga Ora Retirement Commission, looked at where New Zealanders in retirement are spending their income. The question posed in the study was “what level of income is required to sustain an...
Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter we have an article on a financial issue we believe will interest our clients. In addition we often post news updates and blogs on our web site at...
I thought it might be useful to share how I go about identifying if an email or text is a scam. We have previously posted a blog on this Information hygiene and Scams. Firstly never click on a link to take you to another web site to enter your details. Always go...
“My husband left our children and me to move in with another woman”. The above comment is one I’ve heard several times over the decades. It can be devasting when a partner, whom you believed would be with you forever, suddenly announces that they have elected a...
As you get older health insurance premiums can get very expensive. When should you cancel your cover? Insurance is expensive because the older we get the more we start to fall apart. I speak with experience. We get older and our bodies disappoint us. I go to bed at...
Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter we have an article on a financial issue we believe will interest our clients. In addition we often post news updates and blogs on our web site at...
With the changes around the interest deductibility of loans for rental properties are they still an attractive form of investment? In the past the rule has always been; if a loan is made to buy a taxable income stream, such as a share portfolio, rental property, or a...
An area of our web site that is under utilised is our financial calculators. There are 11 calculators under the ‘Calculators’ tab. Richard originally developed these when he was in hospital following a ski accident and in was in traction for 10 days back...
The Big Mac Index is a humorous yet widely used economic indicator that measures the purchasing power parity (PPP) between different currencies. It was created by The Economist magazine in 1986 as a way to make international economics more understandable to readers....
Silicon Valley Bank – minimal portfolio exposure Two US banks, Silicon Valley Bank and Signature Bank, have gone into a government-controlled wind down. Silicon Valley Bank was among the largest 20 US banks and was affected by the loss of value of their bonds as...
In the news this month the sharp share price declines of My Food Bag and Laybuy, are a reminder of the risk of investing into individual shares and that diversification is your friend. Laybuy (a NZ company) listed on the Australian stock exchange in September 2020....
What do you need to consider? Updated February 2023 There are over 48,000 residents in over 450 retirement villages in New Zealand. The number is increasing each year with our aging population. This is big business and is very profitable. The six largest Retirement...
